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401(k) ",[1066],{"type":129,"attrs":1067},{"color":12},{"type":781,"content":1069},[1070],{"type":784,"content":1071},[1072],{"type":18,"content":1073},[1074],{"text":1075,"type":22,"marks":1076},"Cost: You’ll need to pay out of pocket for advice from a financial advisor.  ",[1077],{"type":129,"attrs":1078},{"color":12},{"type":781,"content":1080},[1081],{"type":784,"content":1082},[1083],{"type":18,"content":1084},[1085],{"text":1086,"type":22,"marks":1087},"Conflicts of interest. You’ll want to find an advisor who doesn’t have a conflict of interest with advising you on your 401(k).  ",[1088],{"type":129,"attrs":1089},{"color":12},{"type":781,"content":1091},[1092],{"type":784,"content":1093},[1094],{"type":18,"content":1095},[1096],{"text":1097,"type":22,"marks":1098},"Not all financial advisors will be able to help you with your 401(k): If you already have a financial advisor whose compensation is determined by the AUM model, they may not be able to advise you on your 401(k). You may need to research your options to find a financial advisor for your 401(k). ",[1099],{"type":129,"attrs":1100},{"color":12},{"type":771,"attrs":1102,"content":1103},{"level":773},[1104],{"text":1105,"type":22,"marks":1106},"How can I find a financial advisor for my 401(k)? ",[1107],{"type":129,"attrs":1108},{"color":12},{"type":18,"content":1110},[1111,1116,1125],{"text":1112,"type":22,"marks":1113},"The U.S. Department of Labor advises consumers to find an advisor who can act as a ",[1114],{"type":129,"attrs":1115},{"color":12},{"text":1117,"type":22,"marks":1118},"fiduciary",[1119,1122,1124],{"type":31,"attrs":1120},{"href":1121,"uuid":34,"anchor":34,"target":832,"linktype":36},"https://www.unbiased.com/discover/financial-advice/fiduciary-financial-advisor",{"type":129,"attrs":1123},{"color":12},{"type":836},{"text":1126,"type":22,"marks":1127}," for their 401(k). As fiduciaries, advisors cannot be paid for their advice, which would create conflicts of interest.  ",[1128],{"type":129,"attrs":1129},{"color":12},{"type":18,"content":1131},[1132,1137,1146],{"text":1133,"type":22,"marks":1134},"In addition to someone who understands the laws and regulations for 401(k) plans, you may want to ask some of the following questions when ",[1135],{"type":129,"attrs":1136},{"color":12},{"text":1138,"type":22,"marks":1139},"choosing an advisor",[1140,1143,1145],{"type":31,"attrs":1141},{"href":1142,"uuid":34,"anchor":34,"target":832,"linktype":36},"https://www.unbiased.com/discover/financial-advice/do-i-need-financial-advice",{"type":129,"attrs":1144},{"color":12},{"type":836},{"text":1147,"type":22,"marks":1148},": ",[1149],{"type":129,"attrs":1150},{"color":12},{"type":781,"content":1152},[1153],{"type":784,"content":1154},[1155],{"type":18,"content":1156},[1157],{"text":1158,"type":22,"marks":1159},"Are you a fiduciary under the federal laws that apply when advising for investment in a retirement account? ",[1160],{"type":129,"attrs":1161},{"color":12},{"type":781,"content":1163},[1164],{"type":784,"content":1165},[1166],{"type":18,"content":1167},[1168],{"text":1169,"type":22,"marks":1170},"What fees and expenses will I be charged? ",[1171],{"type":129,"attrs":1172},{"color":12},{"type":781,"content":1174},[1175],{"type":784,"content":1176},[1177],{"type":18,"content":1178},[1179],{"text":1180,"type":22,"marks":1181},"How do you monitor investments? ",[1182],{"type":129,"attrs":1183},{"color":12},{"type":781,"content":1185},[1186],{"type":784,"content":1187},[1188],{"type":18,"content":1189},[1190],{"text":1191,"type":22,"marks":1192},"Are there limitations on the recommendations you make? (For example, some financial advisors can only recommend their firm’s investment products.) ",[1193],{"type":129,"attrs":1194},{"color":12},{"type":781,"content":1196},[1197],{"type":784,"content":1198},[1199],{"type":18,"content":1200},[1201],{"text":1202,"type":22,"marks":1203},"What conflicts of interest do you have in making investment recommendations to me? ",[1204],{"type":129,"attrs":1205},{"color":12},{"type":781,"content":1207},[1208],{"type":784,"content":1209},[1210],{"type":18,"content":1211},[1212],{"text":1213,"type":22,"marks":1214},"Are you recommending rolling money out of my 401(k)? Does this serve my best interests? ",[1215],{"type":129,"attrs":1216},{"color":12},{"type":18,"content":1218},[1219],{"text":1220,"type":22,"marks":1221},"Asking these questions can help you understand the advisor’s position and their ability to help you.  ",[1222],{"type":129,"attrs":1223},{"color":12},{"type":771,"attrs":1225,"content":1226},{"level":773},[1227],{"text":1228,"type":22,"marks":1229},"What else can a financial advisor help me with? ",[1230],{"type":129,"attrs":1231},{"color":12},{"type":18,"content":1233},[1234],{"text":1235,"type":22,"marks":1236},"Financial advisors offer a wide array of services. Some specialize in one area or another. In addition to advising on your 401(k), you can also use a financial advisor for: ",[1237],{"type":129,"attrs":1238},{"color":12},{"type":781,"content":1240},[1241],{"type":784,"content":1242},[1243],{"type":18,"content":1244},[1245],{"text":1246,"type":22,"marks":1247},"Retirement ",[1248],{"type":129,"attrs":1249},{"color":12},{"type":781,"content":1251},[1252],{"type":784,"content":1253},[1254],{"type":18,"content":1255},[1256,1265],{"text":1257,"type":22,"marks":1258},"Estate planning",[1259,1262,1264],{"type":31,"attrs":1260},{"href":1261,"uuid":34,"anchor":34,"target":832,"linktype":36},"https://www.unbiased.com/discover/retirement/what-is-estate-planning",{"type":129,"attrs":1263},{"color":12},{"type":836},{"text":929,"type":22,"marks":1266},[1267],{"type":129,"attrs":1268},{"color":12},{"type":781,"content":1270},[1271],{"type":784,"content":1272},[1273],{"type":18,"content":1274},[1275],{"text":1276,"type":22,"marks":1277},"Inheritance ",[1278],{"type":129,"attrs":1279},{"color":12},{"type":781,"content":1281},[1282],{"type":784,"content":1283},[1284],{"type":18,"content":1285},[1286,1295],{"text":1287,"type":22,"marks":1288},"Tax planning",[1289,1292,1294],{"type":31,"attrs":1290},{"href":1291,"uuid":34,"anchor":34,"target":832,"linktype":36},"https://www.unbiased.com/discover/taxes/what-is-tax-planning",{"type":129,"attrs":1293},{"color":12},{"type":836},{"text":929,"type":22,"marks":1296},[1297],{"type":129,"attrs":1298},{"color":12},{"type":781,"content":1300},[1301],{"type":784,"content":1302},[1303],{"type":18,"content":1304},[1305],{"text":1306,"type":22,"marks":1307},"Financial goals ",[1308],{"type":129,"attrs":1309},{"color":12},{"type":781,"content":1311},[1312],{"type":784,"content":1313},[1314],{"type":18,"content":1315},[1316],{"text":1317,"type":22,"marks":1318},"Investments ",[1319],{"type":129,"attrs":1320},{"color":12},{"type":781,"content":1322},[1323],{"type":784,"content":1324},[1325],{"type":18,"content":1326},[1327],{"text":1328,"type":22,"marks":1329},"Insurance ",[1330],{"type":129,"attrs":1331},{"color":12},{"type":781,"content":1333},[1334],{"type":784,"content":1335},[1336],{"type":18,"content":1337},[1338],{"text":1339,"type":22,"marks":1340},"Education savings ",[1341],{"type":129,"attrs":1342},{"color":12},{"type":18,"content":1344},[1345,1350,1359],{"text":1346,"type":22,"marks":1347},"And much more. Financial advisors should help you clarify your ",[1348],{"type":129,"attrs":1349},{"color":12},{"text":1351,"type":22,"marks":1352},"financial goals",[1353,1356,1358],{"type":31,"attrs":1354},{"href":1355,"uuid":34,"anchor":34,"target":832,"linktype":36},"https://www.unbiased.com/discover/banking/financial-goals",{"type":129,"attrs":1357},{"color":12},{"type":836},{"text":1360,"type":22,"marks":1361}," and implement a plan to help you reach those goals.  ",[1362],{"type":129,"attrs":1363},{"color":12},{"type":771,"attrs":1365,"content":1366},{"level":773},[1367],{"text":1368,"type":22,"marks":1369},"Get expert financial advice ",[1370],{"type":129,"attrs":1371},{"color":12},{"type":18,"content":1373},[1374],{"text":1375,"type":22,"marks":1376},"You don’t have to hire a financial advisor for your 401(K), but if you do, you can be more confident in making decisions about investment options in your 401(k). You’ll likely need to find a financial advisor who operates as a fiduciary.  ",[1377],{"type":129,"attrs":1378},{"color":12},{"type":18,"content":1380},[1381],{"text":1382,"type":22,"marks":1383},"If you want an easy way to talk to an advisor, Unbiased can connect you to a qualified advisor who can meet your needs.  ",[1384],{"type":129,"attrs":1385},{"color":12},{"type":18,"content":1387},[1388,1396],{"text":1389,"type":22,"marks":1390},"Get started now.",[1391,1393,1395],{"type":31,"attrs":1392},{"href":831,"uuid":34,"anchor":34,"target":832,"linktype":36},{"type":129,"attrs":1394},{"color":12},{"type":836},{"text":1397,"type":22,"marks":1398},"  ",[1399],{"type":129,"attrs":1400},{"color":12},"article-rich-text",[1403],{"_uid":1404,"image":1405,"title":1410,"subtitle":12,"component":1424,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1406,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1407,"copyright":12,"fieldtype":1408,"meta_data":1409,"is_external_url":543},21300008,"https://a.storyblok.com/f/185166/2184x1456/4f971cd023/financial-advisor-for-401k.webp","asset",{},{"type":15,"content":1411},[1412],{"type":18,"content":1413},[1414,1416,1422],{"text":1415,"type":22},"Do I need ",{"text":1417,"type":22,"marks":1418},"a financial advisor",[1419],{"type":25,"attrs":1420},{"class":1421},"primary-gradient",{"text":1423,"type":22}," for my 401(k)? ","app-hero",{"name":1426,"created_at":1427,"published_at":1428,"updated_at":1429,"id":1430,"uuid":1431,"content":1432,"slug":1443,"full_slug":1444,"sort_by_date":34,"position":1445,"tag_list":1446,"is_startpage":543,"parent_id":1447,"meta_data":34,"group_id":1448,"first_published_at":1449,"release_id":34,"lang":730,"path":34,"alternates":1450,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":1433,"_uid":1434,"name":1426,"image":1435,"component":1439,"education":1440,"expertise":1441,"description":1442},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1436,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1437,"copyright":12,"fieldtype":1408,"meta_data":1438,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1452],{"_uid":1453,"body":1454,"title":1471,"component":1472},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1455,1459,1463,1467],{"_uid":1456,"href":1457,"text":1458,"component":542,"openInNewWindow":558},"5d43931e-4139-448d-a6fe-4706647539f1","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisor",{"_uid":1460,"href":1461,"text":1462,"component":542,"openInNewWindow":558},"9c0b4b59-ef84-4513-9592-abaa04264903","https://www.unbiased.com/discover/investing/401-k-vs-ira-what-s-the-difference-","401(k) vs IRA",{"_uid":1464,"href":1465,"text":1466,"component":542,"openInNewWindow":558},"c9f48489-e4cf-4a02-9e11-a987c9e04d3c","https://www.unbiased.com/discover/retirement/401k-contribution-limits","401(k) contribution limits 2025",{"_uid":1468,"href":1469,"text":1470,"component":542,"openInNewWindow":558},"1d8d1418-42bd-438e-9661-358da6dbc5a3","https://www.unbiased.com/discover/retirement/401k-rollover-rules","401(k) rollover rules","Related articles ","app-links-list",{"_uid":1474,"title":1475,"plugin":1476,"og_image":12,"og_title":12,"description":1477,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"3e12a4c3-dca6-4558-be05-8ac888762cc3","Do I need a financial advisor for my 401(k)? ","seo_metatags","A financial advisor can help you direct investments and proper allocation for better results in your 401(k), but not every financial advisor can help advise you on a 401(k). Here’s what you need to know. ","app-article",[],[],"A financial advisor for your 401(k) can help point you in the right direction. Here’s what they can do for you and what limitations you may run up against.  ",[],"financial-advisor-for-401k","discover/retirement/financial-advisor-for-401k",-1050,[],365223437,"54eaec0c-c47a-46bb-8186-049e5be0b180","2025-03-10T14:18:02.306Z",[],{"left":727,"top":727,"width":1492,"height":1492,"rotate":727,"vFlip":543,"hFlip":543,"body":1493},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\"/>",[1495,1498,1499],{"title":1496,"exact":558,"href":1497},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1500,"disabled":558},"/discover/retirement/financial-advisor-for-401k",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1502},"\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\"/>",1777886033228]