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How do I chose a financial advisor?

You should absolutely chose to work with someone who works under a fiduciary standard: someone who works in your best interests. Start by looking for training and experience along with credentials and licensing. Next, I feel as though you should select someone who actively works with insurance and investments, because you may need both and, if so, they should be coordinated. Obviously, you want to work with someone who has taken the time necessary to become familiar with your needs and goals and is genuinely interested and capable of helping you.

Please go to the "On Demand" section and listen to Episode 16 which discusses this important issue in detail.

How long does it take to properly plan for a sucessful retirement?

Of course, everyone is different but most people must examine their projected retirement expenses and plan their income. This is probably 3-4 meetings, especially if a Social Security & Medicare plan must be developed . You may need additional meetings for investment reallocation, current insurance review and possibly a LTC discussion. Finally, some may need help with developing a tax plan and estate planning.

Bottom line, this is a process and may take a number of meetings to decide and implement solutions. The good news is that a few weeks spent diligently working the issues frees you up to go about your retirement with checkups as needed.

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Do you have restrictions on accepting new clients?

Our first meeting is critical because we must mutually decide whether or not we should work together. On my part, I must be convinced that I can add value to your retirement plan with new ideas. My minimum for investments is $500,000, but there are no restrictions for insurance needs.