Your financial advisor plays a critical role in your future. But as life changes, and your goals evolve, it’s worth checking in to make sure your relationship still aligns with what you need most.
Here are five thoughtful questions to help you evaluate whether your current advisor relationship is still the right fit:
1. How often do we communicate—outside of scheduled reviews?
It’s easy to fall into a once-a-year rhythm. But proactive communication, especially during times of change or uncertainty, can make a huge difference.
Ask yourself: When was the last time your advisor reached out just to check in?
2. Do I fully understand the strategy and recommendations I’ve been given?
A strong financial plan should feel clear, purposeful, and personalized. If you’ve ever walked away from a meeting unsure why a decision was made, that’s worth revisiting.
Ask yourself: Do I feel confident explaining my financial plan to someone else?
3. Is the advisor's compensation structure clear and transparent?
You should always understand how your advisor is compensated, whether it’s fee-only, commission-based, or a combination, and what that means for your plan.
Ask yourself:Do I know exactly how my advisor gets paid, and why it matters?
4. Are our conversations focused more on products, or on my goals and long-term strategy?
Products have a place, but they shouldn’t dominate the conversation. Your financial journey deserves a holistic, goals-based approach.
Ask yourself:Are we spending enough time talking about the big picture, not just the tools?
5. Do I feel truly heard and understood?
An advisor’s job isn’t just to manage money, it’s to understand you. Your values, your priorities, your concerns. If something feels missing in the relationship, trust your gut.
Ask yourself:Do I feel like my advisor really “gets” me and what I care about?
You Deserve an Advisor Who Puts You First
These questions aren’t about second-guessing your advisor, they’re about empowering yourself as a financial decision-maker. Your financial strategy should feel collaborative, personal, and built around you. And your advisor should always act in your best interest, not theirs.
At Wilcox Financial Group, we welcome conversations like these. We believe the strongest financial relationships are rooted in clarity, trust, and shared goals.
Our representatives act as fiduciaries when providing investment advisory services, which means we have a legal and ethical duty to put your interests ahead of our own, with loyalty, care, and full transparency.
If you’d like a second opinion—or just want to talk through these questions—we’re here. No pitch. Just perspective.
Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC, member SIPC (www.sipc.org). Supervisory address: 300 Corporate PKWY, STE 216 N, Amherst, N Y14226. 716-276-1138. Wilcox Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. CRN202809-9401250