One way to evaluate an Advisor is to consider three critical criteria.  It is perfectly acceptable to ask any potential Advisor you meet the following questions:

How will the Advisor be compensated?
•	Ask whether the Advisor is compensated by salary or upfront commissions
•	Inquire whether the Advisor is Independent – ask if there are incentives to recommend proprietary products
•	Ask whether the Advisor’s recommendations directly impact his or her paycheck

What are the professional credentials of the Advisor?
•	Look for industry recognized Advisor designations
•	Find out if the Advisor has a real expertise in your specific area (for example, retirement transitions)
•	Understand whether the Advisor or firm has a systematic investment philosophy
•	Question the Advisor and staff retention rate at the firm

What type of service does the Advisor provide?
•	Ensure the Advisor provides personal service, meeting face-to-face regularly
•	Assess whether the Advisor really listens to what is important to YOU
•	Insist on honest, direct communication, even if this includes delivering a tough message
•	Verify the investment recommendations are not a “product sale,” but truly taking a comprehensive approach to your complete financial picture

Hanson McClain is an independent firm that provides expert advice, personally delivered.  As a valued client, you will meet face-to-face with your salaried Advisor - on a regular basis - and receive unbiased advice relevant to your specific needs and goals.