Simply put - using a fee-only advisor eliminates the conflicts of interest in a relationship.

If your financial advisor is compensated from commissions off the products sold to you, you have to ask -

• were you sold these products because they were in your best interest?
• were they best products available (or close to it)?
• or were they sold to you because your advisor was paid more from these particular products?
  

Visit the National Association of Personal Financial Advisors (http://www.napfa.org) to find a fee-only advisor in your area. Or call NAPFA at 1-800-366-2732.

To find out more about fiduciaries - visit: www.focusonfiduciary.com.

If you are interviewing several advisors, below are links to documents that will definitely help you:

• A necessary questionnaire to help in selecting a financial advisor. At the end are answers to the questions asked.
• The second link is to a Fiduciary Oath. A fiduciary must ONLY act in your best interest. Ask the advisor you are interviewing if he will sign the oath. This will indicate if he will act in your best interest.

• Financial Advisor Questionnaire
  
• Fiduciary Oath
  

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