𝙏𝙝𝙚 𝙗𝙚𝙨𝙩 𝙖𝙙𝙫𝙞𝙨𝙤𝙧𝙨 𝙙𝙤𝙣’𝙩 𝙣𝙚𝙚𝙙 𝙩𝙤 𝙟𝙪𝙨𝙩𝙞𝙛𝙮 𝙩𝙝𝙚𝙞𝙧 𝙫𝙖𝙡𝙪𝙚, 𝙮𝙤𝙪 𝙨𝙚𝙚 𝙞𝙩 (𝙋𝙩. 2)

Wealth isn’t built on guesswork. Financial security isn’t luck. It’s the result of the right advisor and a clear strategy.

These questions will help you find the right fit. Need the beginner’s list? Scroll back to Wednesday’s post, or DM me.

1. How do you stress test my financial plan?

-Would you fly on a plane that wasn’t tested for turbulence?

Do they model recessions, tax hikes, inflation spikes, and worst-case scenarios?

2. How do you minimize taxes across all my accounts?

Do they think about where to hold investments for tax efficiency?

3. How do you hedge against sequence-of-returns risk?

-What happens if the market 📉 the year you retire?

The first 5-10 years of withdrawals can make or break your wealth.

4. What’s the plan for liquidity when I need cash?

-If life throws a curveball, will you have to sell investments at a loss?

Planning for bond ladders, CDs, structured withdrawals, or home equity strategies.

5. What’s the plan for cognitive decline and aging or death?

-If something happens to you, will your finances run smoothly or become chaotic?

Elder fraud costs seniors $28 billion annually.

6. How do you prepare for rising healthcare costs?

-Are you factoring in the $300K+ the average retiree spends on healthcare?

7. How do you optimize Social Security and pensions?

-Claiming at the wrong time can cost you six figures. What’s their plan?
🚩 If they say, “Take it whenever you want,” that’s not planning.

8. How do you manage risk beyond diversification?

-If a recession hits, do you know how your portfolio will react?

-Do they rebalance and adjust for market conditions or just set it and forget it?

9. What investments or strategies do you avoid, and why?

-A great advisor knows what to invest in and what to avoid.
🚩 If they can’t tell you what they avoid, they don’t have a strategy.

10. How do you help clients avoid bad financial decisions?
Q |Will they keep you from panic-selling when the market drops?

-A great advisor is also a behavioral coach.

11. How do you optimize charitable giving for tax efficiency?
Q | Want to maximize your impact while reducing your tax bill?

-DAFs, QCDs, or Charitable Trusts?

12. How do you plan for inflation risk?

Q | Will your wealth still work 20 years from now?

-Are they using real assets, alt investments, or inflation-protected strategies?

A great advisor welcomes these questions.