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For instance, brokers operating under a suitability standard might let the commission attached to a product influence their recommendations. „When you think about it, it’s amazing how much control financial advisers have over our lives,“ writes Liz Davidson in her book, „What Your Financial Advisor Isn’t Telling You.“ „Choose one who is actually a criminal, and it is possible to lose your entire nest egg.“ That being said, you shouldn’t just write off financial advisers completely. „To completely eschew using an adviser can be as big a mistake as picking the wrong one,“ Davidson says. „When you need financial advice, they can be a tremendous help — it’s just a matter of finding the best one for your situation (and being able to spot the Bernie Madoffs of the world before you hand over your life savings).“ To help you sniff out the good from the bad, we rounded up 15 questions to ask prospective advisers, from the Department of Labor’s guide for consumers on how to tell if your adviser is working in your best interest: Elizabeth Warren has railed against the potential rollback of the fiduciary rule. AP Do you consider yourself a fiduciary? A fiduciary has a legal duty to act in your best interest and can be sued for taking actions otherwise. 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It’s important to be specific when asking about whether or not they’re a fiduciary, since many advisers are dually registered as a broker (only subject to the suitability standard) and a fiduciary. Dually registered advisers can switch roles, thereby blurring the broker-fiduciary line. As Harold Pollack and Helaine Olen explain in their book, „The Index Card,“ „You need to ask and ask quite specifically: Do you work to the fiduciary standard at all times? This last part, ‚at all times,‘ is important. As the fine print on brokerage forms indicates, the fact that an adviser commits to a fiduciary standard for some of her dealings with you does not hold her to this standard in others.“ How are you compensated? This is one of the most important questions to have in your back pocket. 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More specific questions you can ask:• Do you earn fees or commissions based on the number of products that I buy or the size of my investment? • Will you earn a higher fee or other type of compensation if I invest in certain products you recommend or will you receive fees for services related to specific investment products? • Will you provide a list of the fees and commissions you receive either directly from me or from other sources in writing? Are you a licensed or registered investment adviser? „Financial planning requires proper training,“ Davidson explains. „Like a surgeon who is not properly trained and prone to make mistakes, your financial adviser may simply not have the training, knowledge, or experience to deliver sound advice to you.“ Davidson recommends looking for an adviser with at least 10 years of experience in financial planning and who has a CFP (certified financial planner) designation, which is considered the „gold standard“ for financial planning. To give you an idea of the training required for this designation, „the pass rate for the exam to become a CFP certificant is about the same as the pass rate on the bar exam that law school grads are required to take in order to practice law,“ she explains. Ask your adviser about their experience and certifications — and then verify it. Davidson recommends using www.finra.org: „Type your adviser’s name into the FINRA database and you’ll learn what securities licenses this person actually has and, even more important, whether or not any complaints, disciplinary actions, suspensions, or very frequent changes of employment appear on his or her record … You’ll want to see a completely clean record … Even a single complaint foekjedillema , and certainly any disciplinary action, is a major red flag.“ More specific questions you can ask:• Are you registered with the State, US Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or the CFP board? • For how long? What is your experience? • Who supervises you, or, are you a sole practitioner? • If a sole practitioner, do you have professional liability insurance? • Have you (or your firm) ever been disciplined? For what? Read the DOL’s full guide for consumers on how to tell if your adviser is working in your best interest.This is an update of a story originally written by Kathleen Elkins. SEE ALSO: Trump has signed an order that could roll back a rule intended to protect Main Street's retirement money DON'T MISS: If you're planning to buy a house this year, here's how the Trump administration could affect you NOW WATCH: Rams owner will have to pay $500 million to move his team to LA canada goose parka

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