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Debt Advisor
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A advisor will work with their clients, helping you plan your budget and pay off your debts more efficiently and effectively. They give debt advice and help clients learn better money management skills. When you are looking for an advisor there are a few things that you need to keep in mind when making your selection.
Get a Referral
Get a referral from someone you trust. You want the person to be knowledgeable and experienced. Ask questions about the advisor's style, abilities and skills.
Ask about their fee structure and customer service. Ask for personal perceptions and experiences with the advisor.
Do Some Research
You can do some of your own research on debt advisors. Some sites, such as FinancialAdvisors.shopped up.com, MyFinancialAdvice.com and WiserAdvisor.com offer some great information and listings.
Other resources for getting debt advice include the Financial Planning Association, the National Association of Personal Financial Advisors and the Certified Financial Planner Board of Standards, Inc.
Be Prepared for Your First Meeting
Gather your bills, bank statements, the previous year's tax returns and insurance information. Jot down some questions that you want to ask as well as your financial goals. You want to bring all of these items with you on your first meeting with the financial advisor.
Let the First Meeting be an Interview
When you sit down that first time with the financial advisor, you should treat it like an interview. Ask questions such as how long they have been a financial advisor, their educational background, licenses, credentials and certifications that they have.
Ask them what they feel makes them a good financial advisor. Ask about any disciplinary action that they may have experienced by NASD or other regulatory agencies throughout the course of their career.
Other things to ask a debt advisor:
- The type of client in which they specialize
- List of services that they and their firm offer
- Do they create a written financial plan - cost of that plan
- Do they provide educational services to their clients regarding money management
- How many clients do they currently have and how much money do they manage
- How do they charge their clients (is it fee based, fee only or commission)
It is a good idea to check out your advisor's background. You can research an advisor by going through the National Association of Securities Dealers (NASD). They have information regarding educational background and work history as well as any complaints that have been filed against them.
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It is necessary to follow these steps in order to find a debt advisor who will work well for you. You want to make sure that your money is handled properly and that you receive the very best service available.
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