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Here are ",[1074],{"type":129,"attrs":1075},{"color":12},{"text":1077,"type":22,"marks":1078},"11 questions",[1079,1082,1084],{"type":31,"attrs":1080},{"href":1081,"uuid":34,"anchor":34,"target":971,"linktype":36},"https://www.unbiased.com/discover/budgeting-savings/11-questions-to-ask-your-financial-advisor",{"type":129,"attrs":1083},{"color":12},{"type":975},{"text":1086,"type":22,"marks":1087}," you should ask your financial advisor when you first sit down to discuss your finances.  ",[1088],{"type":129,"attrs":1089},{"color":12},{"type":18,"content":1091},[1092,1098],{"text":1093,"type":22,"marks":1094},"2. Not doing your research or getting references",[1095,1096],{"type":38},{"type":129,"attrs":1097},{"color":12},{"text":796,"type":22,"marks":1099},[1100],{"type":129,"attrs":1101},{"color":800},{"type":18,"content":1103},[1104],{"text":1105,"type":22,"marks":1106},"It’s a good idea to have a look at reviews of any financial advisor you’re considering to discover other people’s experiences. ",[1107],{"type":129,"attrs":1108},{"color":12},{"type":18,"content":1110},[1111],{"text":1112,"type":22,"marks":1113},"You could also ask your financial advisor for any references from existing clients to see what kind of service they have received. ",[1114],{"type":129,"attrs":1115},{"color":12},{"type":18,"content":1117},[1118],{"text":1119,"type":22,"marks":1120},"This should be taken with a grain of salt as the advisor will choose who you can contact. ",[1121],{"type":129,"attrs":1122},{"color":12},{"type":18,"content":1124},[1125,1131],{"text":1126,"type":22,"marks":1127},"3. Choosing an advisor based solely on a recommendation from family or friends",[1128,1129],{"type":38},{"type":129,"attrs":1130},{"color":12},{"text":796,"type":22,"marks":1132},[1133],{"type":129,"attrs":1134},{"color":800},{"type":18,"content":1136},[1137],{"text":1138,"type":22,"marks":1139},"While talking to family and friends about money is positive, choosing a financial advisor based solely on their recommendation can be a big mistake. ",[1140],{"type":129,"attrs":1141},{"color":12},{"type":18,"content":1143},[1144],{"text":1145,"type":22,"marks":1146},"The advisor may have offered high-quality advice and recommendations on that occasion, but they might not specialize in what you need help with. ",[1147],{"type":129,"attrs":1148},{"color":12},{"type":18,"content":1150},[1151,1156,1171],{"text":1152,"type":22,"marks":1153},"Once you meet with an advisor, check whether they can help you with your financial goals, their qualifications, ",[1154],{"type":129,"attrs":1155},{"color":12},{"text":1157,"type":22,"marks":1158},"fees",[1159,1168,1170],{"type":31,"attrs":1160},{"href":1161,"uuid":1162,"anchor":34,"target":35,"linktype":74,"story":1163},"/discover/financial-advice/financial-advisor-cost","9b71003b-ba36-4549-b326-ca10600698b2",{"name":1164,"id":1165,"uuid":1162,"slug":1166,"url":1167,"full_slug":1167,"_stopResolving":558},"How much should financial advice cost?",381737504,"financial-advisor-cost","discover/financial-advice/financial-advisor-cost",{"type":129,"attrs":1169},{"color":12},{"type":975},{"text":1172,"type":22,"marks":1173},", and how they’ll work with you. ",[1174],{"type":129,"attrs":1175},{"color":12},{"type":18,"content":1177},[1178,1184],{"text":1179,"type":22,"marks":1180},"4. Not choosing an SEC-regulated advisor",[1181,1182],{"type":38},{"type":129,"attrs":1183},{"color":12},{"text":796,"type":22,"marks":1185},[1186],{"type":129,"attrs":1187},{"color":800},{"type":18,"content":1189},[1190],{"text":1191,"type":22,"marks":1192},"A SEC-regulated financial advisor has to follow certain rules when dealing with clients. ",[1193],{"type":129,"attrs":1194},{"color":12},{"type":18,"content":1196},[1197],{"text":1198,"type":22,"marks":1199},"A good financial advisor will be happy to discuss their qualifications and how they can help you. ",[1200],{"type":129,"attrs":1201},{"color":12},{"type":18,"content":1203},[1204],{"text":1205,"type":22,"marks":1206},"If you want peace of mind, Unbiased has a network of financial advisors that are all SEC-regulated and will get in touch with you when you use our matching service. ",[1207],{"type":129,"attrs":1208},{"color":12},{"type":18,"content":1210},[1211,1217],{"text":1212,"type":22,"marks":1213},"5. Choosing an advisor that doesn’t match your needs",[1214,1215],{"type":38},{"type":129,"attrs":1216},{"color":12},{"text":796,"type":22,"marks":1218},[1219],{"type":129,"attrs":1220},{"color":800},{"type":18,"content":1222},[1223],{"text":1224,"type":22,"marks":1225},"A financial advisor may specialize in certain areas such as pensions or mortgages and should discuss their expertise and how they’ll work with you in your initial meeting. ",[1226],{"type":129,"attrs":1227},{"color":12},{"type":18,"content":1229},[1230],{"text":1231,"type":22,"marks":1232},"It goes without saying, but it’s not advisable to choose an advisor that specializes in mortgages if you’re looking for someone to advise you on your retirement or investments. ",[1233],{"type":129,"attrs":1234},{"color":12},{"type":18,"content":1236},[1237,1243],{"text":1238,"type":22,"marks":1239},"6. Not understanding the fees",[1240,1241],{"type":38},{"type":129,"attrs":1242},{"color":12},{"text":796,"type":22,"marks":1244},[1245],{"type":129,"attrs":1246},{"color":800},{"type":18,"content":1248},[1249],{"text":1250,"type":22,"marks":1251},"It’s hard to pinpoint the exact amount you’ll need to pay for financial advice as this depends on what help you need, but good advice should cost less than no advice at all. ",[1252],{"type":129,"attrs":1253},{"color":12},{"type":18,"content":1255},[1256],{"text":1257,"type":22,"marks":1258},"Your financial advisor may charge a fixed fee, a percentage of the assets under management, or an hourly rate. ",[1259],{"type":129,"attrs":1260},{"color":12},{"type":18,"content":1262},[1263],{"text":1264,"type":22,"marks":1265},"In your initial meeting, you should get written confirmation on what fees to expect and an estimate of how long the work will take. ",[1266],{"type":129,"attrs":1267},{"color":12},{"type":18,"content":1269},[1270,1276],{"text":1271,"type":22,"marks":1272},"7. Not asking questions",[1273,1274],{"type":38},{"type":129,"attrs":1275},{"color":12},{"text":796,"type":22,"marks":1277},[1278],{"type":129,"attrs":1279},{"color":800},{"type":18,"content":1281},[1282],{"text":1283,"type":22,"marks":1284},"As you’ll be trusting a financial advisor with your assets and financial future, don’t be afraid to ask any questions that come to mind. ",[1285],{"type":129,"attrs":1286},{"color":12},{"type":18,"content":1288},[1289],{"text":1290,"type":22,"marks":1291},"For example, how do the fees work? Are there any tax benefits or will there by any tax implications if I invest with you? ",[1292],{"type":129,"attrs":1293},{"color":12},{"type":18,"content":1295},[1296],{"text":1297,"type":22,"marks":1298},"If you don’t understand anything, including the benefits or drawbacks, it’s best to get clarity before signing on the dotted line. ",[1299],{"type":129,"attrs":1300},{"color":12},"article-rich-text",[1303],{"_uid":1304,"image":1305,"title":1310,"subtitle":12,"component":1334,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1306,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1307,"copyright":12,"fieldtype":1308,"meta_data":1309,"is_external_url":543},9931757,"https://a.storyblok.com/f/185166/900x450/2fe753b4f8/why-not-getting-financial-advice-can-be-costly-and-7-mistakes-to-avoid.jpg","asset",{},{"type":15,"content":1311},[1312],{"type":18,"content":1313},[1314,1319,1326,1330],{"text":1315,"type":22,"marks":1316},"Why not getting ",[1317],{"type":129,"attrs":1318},{"color":12},{"text":1320,"type":22,"marks":1321},"financial advice",[1322,1325],{"type":25,"attrs":1323},{"class":1324},"primary-gradient",{"type":129},{"text":1327,"type":22,"marks":1328}," can be costly and 7 mistakes to avoid",[1329],{"type":129},{"text":796,"type":22,"marks":1331},[1332],{"type":129,"attrs":1333},{"color":131},"app-hero",{"name":1336,"created_at":1337,"published_at":1338,"updated_at":1339,"id":1340,"uuid":1341,"content":1342,"slug":1351,"full_slug":1352,"sort_by_date":34,"position":1353,"tag_list":1354,"is_startpage":543,"parent_id":1355,"meta_data":34,"group_id":1356,"first_published_at":1357,"release_id":34,"lang":730,"path":34,"alternates":1358,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Lisa-Marie Voneshen","2023-06-15T15:52:20.509Z","2025-01-16T09:32:39.804Z","2025-01-16T09:32:39.823Z",325664164,"f49ad739-325e-4708-8f12-1ef845dae272",{"job":1343,"_uid":1344,"name":1336,"image":1345,"component":1349,"education":12,"expertise":12,"description":1350},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1346,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1347,"copyright":12,"fieldtype":1308,"meta_data":1348,"is_external_url":543},9871152,"https://a.storyblok.com/f/185166/4977x4225/28d0696088/lisa-marie-voneshen.jpg",{},"article-author","Lisa-Marie Voneshen is a Senior Content Writer at Unbiased and has previously written for loveMONEY and Shares Magazine. She is an award-winning journalist with around a decade of experience writing and editing content across various areas, including personal finance and investing.","lisa-marie-voneshen","authors/lisa-marie-voneshen",-10,[],224651374,"5495fea7-b5e3-4edc-823d-8a27f54f6309","2023-04-03T07:50:42.397Z",[],[1360],{"_uid":1361,"body":1362,"title":12,"component":1363},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[],"app-links-list",{"_uid":1365,"title":1366,"plugin":1367,"og_image":12,"og_title":12,"description":1368,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"df27a534-89f1-42ac-828c-b75874913745","Why not getting financial advice can be costly and 7 mistakes to avoid","seo_metatags","It can be tough making financial decisions, particularly life-changing ones, where the wrong decision could cost you a lot of time and money. Discover just how costly not getting financial advice could","app-article",[],[],"When facing crucial financial choices, seek expert advice to avoid potential financial losses and save time.",[],"financial-advice-mistakes","discover/financial-advice/financial-advice-mistakes",-2780,[],365590167,"545bce65-ea18-4599-8077-c6f5a031ae6f","2023-06-21T13:59:31.277Z",[],{"left":727,"top":727,"width":1383,"height":1383,"rotate":727,"vFlip":543,"hFlip":543,"body":1384},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1386,1389,1390],{"title":1387,"exact":558,"href":1388},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1391,"disabled":558},"/discover/financial-advice/financial-advice-mistakes",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1393},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540345757]