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An article from Netscape.
========================
http://netscape.marketwatch.com/source/blq/netscape/archive/20000224/news/current/loeb.nsp
Marshall Loeb: Your Dollars
Choosing a financial planner
What to ask and where to look for solid advice
By Marshall Loeb, CBS MarketWatch
Last Update: 1:03 PM ET Feb 24, 2000
Personal Finance News
Marshall Loeb Library
NEW YORK (CBS.MW) -- The question I’m asked most often
is "Where can I find a good financial planner?"
The answer is, first of all, avoid the crooks,
charlatans and quacks in the field.
Anybody can call himself a financial planner,
and many nut cases do. So it’s wise to
engage somebody with a few letters after his
or her name, notably CFP, for Certified Financial
Planner, CLU for Chartered Life Underwriter, or ChFC,
for Chartered Financial Consultant.
These pedigrees mean that the recipient has passed
quite rigorous exams and is expert in his or her work
As Susan Farmer of the Society of Financial Service
Professionals says,"Look for a (planner) who is
ethically bound to serve your case-specific needs as
opposed to any planner who's out there to sell you the
farm."
Where to look
Ask your banker, broker and accountant for
the names of solid financial planners. If those wells
turn up dry,check out one of these three big-league
associations:
The Financial Planning Association
(phone:800-282-7526)
National Association of Personal Financial Advisors
(phone 800-366-2732)
Society of Financial Service Professionals
(phone: 888-243-2258)
Pick at least three candidates. Then intensively
interview each one, asking such questions as:
How many clients do you have whose financial
circumstances are much like my own?
May I see copies of plans you have prepared for people
like me? (with the names removed, of course)
How are you paid? Many planners collect nice
commissions on the mutual funds, insurance policies
and other financial "products" they sell to you. If
that’s the case,find out how much the planner is
collecting on each product and ask specifically why he
recommended that instead of something else. Other
planners charge fat fees instead of commissions, but
they often cost more. Yet another payment structure
that's growing more popular is a combination of
commissions and fees. When you choose this option,
reports Farmer, you can often get a free follow-up
"financial check-up" consultation after a period of
time. This is an especially nice feature if there's
been a change in your personal life caused by divorce,
remarriage, or child custody dispute.
What to expect
What can you expect from a good planner? He or she
should help you devise a workable budget, make sure
you are properly insured, help you create a strategy
for holding down your taxes,and help you prepare a
retirement plan and an estate plan.
Remember, though, you can't expect a financial planner
to pick specific stocks for you. That’s the job of
your broker or investment adviser. But your planner
should help you devise your all-important asset
allocation plan, in which you decide what proportion
of your investments you put into stocks, bonds, mutual
funds and other broad categories.
Marshall Loeb, former editor of Fortune, Money, and
The
Columbia Journalism Review, writes "Your Dollars"
exclusively for CBS MarketWatch. Personal finance
reporter Kristen Gerencher contributed to this report.
For late-breaking financial news you can't afford to
miss, go to cbs.marketwatch.com
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