QA: 尋找財(cái)務(wù)顧問的最佳方式是什么？

Fitz Jones
All you want is Free, Trustworthy and Good? Easy peasy.

你想要的就是免費(fèi)、可靠且優(yōu)質(zhì)？小菜一碟。

Hire the guy you see in the mirror each morning.

雇傭你每天早上在鏡子里看到的那個(gè)人。

Free doesn't exist. Trustworthy is something that develops over time. Good, well we don't have that much time.

免費(fèi)并不存在。值得信賴是隨著時(shí)間的推移而逐漸形成的。至于好，嗯，我們并沒有那么多時(shí)間。

About the 6th financial advisor I sat down with over the past 30 years, from JPMorgan, told me the following. Until you have more than $1M, the only financial advice you'll get is the same cookie cutter advice we give everyone else with less than $1M. For this they will charge you 1% a year and they get paid every quarter.

關(guān)于我在過去30年里與之會(huì)面的第六位來自摩根大通的財(cái)務(wù)顧問，他告訴我以下內(nèi)容。除非你擁有超過100萬美元，否則你得到的唯一財(cái)務(wù)建議就是我們給所有資產(chǎn)不足100萬美元的人提供的千篇一律的建議。為此，他們將每年收取你1%的費(fèi)用，并且每個(gè)季度都會(huì)得到報(bào)酬。

If you want useful help, pay a CPA to sit down with you and plan your wealth building. Learn which assets belong in which accounts. When you get ready to retire, sit down with the CPA again and plan how to use the wealth you have accumulated. I did those two things along with sitting down with 6 financial advisors. The financial advisors all sold the same product. The CPA gave me useful advice. The financial advisor I hired was me. Because when it comes right down to it, the only person who is trustworthy and free is you. You can work on getting good.

如果你想獲得有用的幫助，就請(qǐng)一位注冊(cè)會(huì)計(jì)師（CPA）坐下來與你一起規(guī)劃財(cái)富積累。了解哪些資產(chǎn)應(yīng)該放在哪些賬戶中。當(dāng)你準(zhǔn)備退休時(shí)，再次與注冊(cè)會(huì)計(jì)師坐下來，規(guī)劃如何使用你積累的財(cái)富。我做了這兩件事，同時(shí)還咨詢了6位財(cái)務(wù)顧問。這些財(cái)務(wù)顧問都推銷同樣的產(chǎn)品。而注冊(cè)會(huì)計(jì)師給了我實(shí)用的建議。最終，我雇用的財(cái)務(wù)顧問就是我自己。因?yàn)闅w根結(jié)底，唯一值得信賴且自由的人就是你自己。你可以努力變得更好。

Gabriel Brenner
An advisor with the following attributes should be a good bet. 

具備以下屬性的顧問應(yīng)該是個(gè)不錯(cuò)的選擇。

I. CERTIFIED FINANCIAL PLANNER

I. 認(rèn)證財(cái)務(wù)規(guī)劃師

These advisors have met rigorous requirements of education, examination and experience and abide by a fiduciary standard of care.

這些顧問滿足了教育、考試和經(jīng)驗(yàn)的嚴(yán)格要求，并遵守了受托人護(hù)理標(biāo)準(zhǔn)。

II. FEE ONLY

二. 僅收費(fèi)

These advisors are paid a percentage of assets under management and/or fees for financial planning, an arrangement that minimizes conflicts of interest.

這些顧問的報(bào)酬是基于管理資產(chǎn)的一定比例和/或財(cái)務(wù)規(guī)劃費(fèi)用，這種安排最大限度地減少了利益沖突。

III. COMPREHENSIVE FINANCIAL PLANNING

三、綜合財(cái)務(wù)規(guī)劃

Obtaining investment management in the absence of comprehensive financial planning is legal, but it is not advisable. You can get everything right on the investment front, and still fail to achieve your financial obxtives.

在沒有全面財(cái)務(wù)規(guī)劃的情況下獲得投資管理是合法的，但并不可取。你可以在投資方面做到一切正確，但仍然無法實(shí)現(xiàn)你的財(cái)務(wù)目標(biāo)。

IV. PASSIVE INVESTING

IV. 被動(dòng)投資

It is difficult to really examine the available academic studies and conclude that active investment management is a good bet. The likely impacts of active investment management are increased investment expenses and higher taxes not marketing beating performance. Active investment management is the attempt to outperform the market by identifying underpriced securities and/or to time the market (knowing when to get in or out).

確實(shí)很難通過仔細(xì)研究現(xiàn)有的學(xué)術(shù)研究得出結(jié)論，認(rèn)為主動(dòng)投資管理是一個(gè)好的選擇。主動(dòng)投資管理可能帶來的影響是增加投資費(fèi)用和更高的稅收，而非超越市場(chǎng)的表現(xiàn)。主動(dòng)投資管理旨在通過識(shí)別被低估的證券和/或市場(chǎng)擇時(shí)（知道何時(shí)進(jìn)入或退出）來跑贏市場(chǎng)。

V. INDEPENDENT/REGISTERED INVESTMENT ADVISOR

五、獨(dú)立/注冊(cè)投資顧問

Independent advisors, those not affiliated with a national brand, are far more likely to rely upon referrals to grow their business. And a Registered Investment Advisor (RIA) has volunteered to be held to the higher fiduciary code of conduct that such a registration entails.

獨(dú)立顧問（即不隸屬于全國(guó)性品牌的顧問）更有可能依賴推薦來發(fā)展業(yè)務(wù)。而注冊(cè)投資顧問（RIA）自愿遵守此類注冊(cè)所要求的更高的受托行為準(zhǔn)則。

Now, you may not have enough assets to meet the minimums that an advisor with this profile requires. Minimums are often $1 million and rarely under $250,000. If this is the case, Google Vanguard. This well regarded mutual fund company offers financial planning for a fee, albeit not face to face. Understand that the time required to offer comprehensive financial planning may be difficult to justify on a 1% annual fee with clients that have fewer assets. Some companies that offer their services to such clients push very high cost investments that lock you in for a period of years. This is to be avoided.

目前，您的資產(chǎn)可能達(dá)不到這類顧問所要求的最低標(biāo)準(zhǔn)。通常最低門檻是100萬美元，很少低于25萬美元。如果是這種情況，可以搜索Vanguard。這家備受推崇的共同基金公司提供收費(fèi)的財(cái)務(wù)規(guī)劃服務(wù)，盡管不是面對(duì)面進(jìn)行。需要理解的是，對(duì)于資產(chǎn)較少的客戶，提供全面財(cái)務(wù)規(guī)劃所需的時(shí)間可能難以通過1%的年費(fèi)來合理覆蓋。一些為這類客戶提供服務(wù)的公司會(huì)極力推銷高成本的投資產(chǎn)品，這些產(chǎn)品會(huì)將您鎖定數(shù)年。這種情況應(yīng)盡量避免。

Ethan Pepper
Asking friends and family is definitely a starting point. One could also find an advisor in their particular area using the Financial Planning Association (http://www.fpanet.org/) or the National Association of Personal Financial Advisors NAPFA (http://www.napfa.org/).

詢問朋友和家人絕對(duì)是一個(gè)起點(diǎn)。人們還可以通過金融規(guī)劃協(xié)會(huì)（http://www.fpanet.org/）或全國(guó)個(gè)人財(cái)務(wù)顧問協(xié)會(huì)NAPFA（http://www.napfa.org/）在他們所在的特定領(lǐng)域找到顧問。

Check to see if the advisor has any credentials such as the CFP (certified financial planner). Interview a couple of different advisors to determine their competency and background. I agree with Debbie above that one should hire for knowledge/competence but personality is also important. One should feel comfortable with the advisor and be able to somewhat relate to him/her since they'll be asking some very personal questions.

檢查顧問是否擁有任何專業(yè)資質(zhì)，例如CFP（注冊(cè)財(cái)務(wù)規(guī)劃師）。面試幾位不同的顧問以評(píng)估他們的能力和背景。我同意上面Debbie的觀點(diǎn)，即應(yīng)該基于知識(shí)/能力來雇傭顧問，但個(gè)性也很重要。人們應(yīng)該對(duì)顧問感到舒適，并能夠在一定程度上與之建立聯(lián)系，因?yàn)樗麄儠?huì)詢問一些非常私人的問題。

Prashanth Prabhu
A financial advisor as the same suggests is an expert who helps you plan your finances with a holistic approach thereby helping you grow wealth over a period of time. It is not specific to a product or a one-time transaction only (though there are such situations) but the major focus is on consistency in achieving one's goals over a period of time. These are the few suggested ways to filter and help find the right financial advisor:

財(cái)務(wù)顧問，顧名思義，是幫助您以整體方式規(guī)劃財(cái)務(wù)的專家，從而幫助您在一段時(shí)間內(nèi)積累財(cái)富。它不僅針對(duì)某個(gè)產(chǎn)品或一次性交易（盡管也存在此類情況），但主要重點(diǎn)在于在一段時(shí)間內(nèi)持續(xù)實(shí)現(xiàn)個(gè)人目標(biāo)。以下是篩選和尋找合適財(cái)務(wù)顧問的幾種建議方法：

1. Word of mouth: Marketing techniques have flourished and expanded over the due course of time, word of mouth has its own benefits. It's always best to check with family/ friends who have worked with a financial advisor and to have a general idea from another person's experience.

1. 口碑營(yíng)銷：隨著時(shí)間的推移，營(yíng)銷技術(shù)已經(jīng)蓬勃發(fā)展并擴(kuò)展，口碑營(yíng)銷有其獨(dú)特的好處。最好向與財(cái)務(wù)顧問合作過的家人或朋友咨詢，從他人的經(jīng)驗(yàn)中獲得一個(gè)大致的了解。

2. Internet: The internet has a lot of information related to financial advisers. You can filter the same based on reviews, your needs, financial expertise required etc

2. 互聯(lián)網(wǎng)：互聯(lián)網(wǎng)上有大量與財(cái)務(wù)顧問相關(guān)的信息。您可以根據(jù)評(píng)論、您的需求、所需的財(cái)務(wù)專業(yè)知識(shí)等進(jìn)行篩選。

3. The basic due diligence has to always be carried out before you approach a financial advisor i.e. certification, basic history of the firm etc. It's always best to do your homework before you move to the next step of meeting them.

在接觸財(cái)務(wù)顧問之前，必須始終進(jìn)行基本的盡職調(diào)查，例如認(rèn)證、公司的基本歷史等。在進(jìn)入下一步會(huì)面之前，最好先做好功課。

4. Always look for a financial advisor who works in a fiduciary capacity i.e. keeping your best interests in mind. They do not advice/ suggest any particular products/ funds/ solutions etc. unless they feel it suits your needs and requirements.

始終尋找以受托人身份工作的財(cái)務(wù)顧問，即時(shí)刻牢記您的最佳利益。他們不會(huì)建議或推薦任何特定的產(chǎn)品、基金或解決方案，除非他們認(rèn)為這些符合您的需求和條件。

Vapemaster
Most people seek recommendations from family and friends. However, this is a hit-or-miss approach that can't ensure that candidates are knowledgeable, ethical, or a good fit with your personal preferences. It's up to you to do a background check by obtaining from the advisor or the Securities and Exchange Commission (SEC) a copy of the advisor's Form ADV, which will disclose whether they accept commissions or "soft dollars" from financial institutions and whether they have had any past disciplinary actions. All of the advisors listed in Money CNNs Advisor Finder have been pre-screened to have a clear regulatory record for the past five years and a minimum of five years in active practice. Your answers to the matching profile questionnaire will help you narrow the list to include only those advisors whose personality and preferences are a good fit with your own. Regardless of how you find them, all candidates should be contacted and interviewed. An advisor needs to be someone you feel comfortable with and trust. Remember, you are hiring them, and it is their responsibility to put your interests first.

大多數(shù)人會(huì)向家人和朋友尋求推薦。然而，這種方法存在不確定性，無法確保候選人具備專業(yè)知識(shí)、道德操守或符合您的個(gè)人偏好。您需要通過從顧問或美國(guó)證券交易委員會(huì)（SEC）獲取顧問的ADV表格副本進(jìn)行背景調(diào)查，該表格將披露他們是否接受金融機(jī)構(gòu)的傭金或“軟美元”，以及是否有過任何過往紀(jì)律處分。Money CNN顧問查找器中列出的所有顧問都經(jīng)過預(yù)先篩選，確保過去五年內(nèi)監(jiān)管記錄良好，并至少有五年活躍從業(yè)經(jīng)驗(yàn)。您對(duì)匹配問卷的回答將幫助您縮小范圍，僅保留那些性格和偏好與您相符的顧問。無論您如何找到這些候選人，都應(yīng)聯(lián)系并進(jìn)行面試。顧問必須是您感到舒適并信任的人。請(qǐng)記住，是您雇傭他們，他們有責(zé)任將您的利益放在首位。

Jeff Nail
Okay that's what I'm going to pour my heart into because it hits way too close to home since I work in the industry.好的，這正是我要傾注心血的事情，因?yàn)樗c我的工作領(lǐng)域息息相關(guān)。
okay it means x, y or z can you tell me a little bit more about that" Then "okay now you if that were the case, what would be required to change things for the better? What would you need to get out of that situation? Can you tell me a little bit more about that? you know and as you go down that path they start formulating an idea of it exactly what it is they need. Finally at the end final question is simple, “so given everything that you just discussed with me and given your current situation did anything that we discussed today sound beneficial to you? Where do you stand having the perspective you have just formed around this?” if they decide what you have for them is not the right fit. You thank them for their time, provide them with whatever free resources you can and let them know you'll stay in touch in case they ever need help or advice in the future. Follow your heart. Just because somebody sounds nervous or might stumble on their words on the phone or you know use too many filler words doesn't necessarily mean that you shouldn't listen to him maybe they're just new you know give them a break but I can promise you this no person has ever been scammed by someone on the phone by a bumbling idiot that couldn't even get his words out right, those people are always sharp as a tack so that's the one trait that you got to be careful of it's also in the category of people that are great experts in their field.

“好的，這意味著x、y或z，你能再詳細(xì)說明一下嗎？”然后“好的，如果情況確實(shí)如此，為了改善現(xiàn)狀需要做出哪些改變？你需要從那種情況中得到什么？你能再詳細(xì)說明一下嗎？”你知道，隨著他們沿著這個(gè)思路深入，他們開始明確自己真正需要的是什么。最后，最終的問題很簡(jiǎn)單：“那么，根據(jù)我們剛才討論的一切以及你目前的處境，我們今天討論的內(nèi)容對(duì)你來說有什么是有益的嗎？基于你剛剛形成的觀點(diǎn)，你現(xiàn)在持什么立場(chǎng)？”如果他們決定你提供的方案并不適合他們，你要感謝他們抽出時(shí)間，盡可能提供一些免費(fèi)資源，并讓他們知道你會(huì)保持聯(lián)系，以防他們將來需要幫助或建議。跟隨你的內(nèi)心。僅僅因?yàn)橛腥嗽陔娫捴新犉饋砭o張或可能說話結(jié)巴，或者使用太多填充詞，并不一定意味著你不應(yīng)該聽他們說話，也許他們只是新手，你知道的，給他們一個(gè)機(jī)會(huì)。但我可以向你保證，從來沒有人在電話中被一個(gè)連話都說不清楚的笨拙的騙子騙過，那些人總是精明得很，所以這是你需要小心的一種特質(zhì)，它也屬于那些在自己領(lǐng)域非常專業(yè)的人。

Sid Kapoor
Research research and research. Everyone’s financial goals and needs are different. Everyone’s risk taking ability is also different. There is no one size that fits all. Lately I have worked on improving my skills on executing stocks options and so far it’s helping me good creating a secondary source of passive income. Key to it is not to be greedy and set the goals before you work on it. Let me know if anyone needs help there, happy to help!

研究、研究再研究。每個(gè)人的財(cái)務(wù)目標(biāo)和需求都不同，每個(gè)人的風(fēng)險(xiǎn)承受能力也不同。沒有一種方法適合所有人。最近我一直在提高自己執(zhí)行股票期權(quán)的技能，到目前為止，這幫助我很好地創(chuàng)造了第二被動(dòng)收入來源。關(guān)鍵是要不貪心，并在開始之前設(shè)定好目標(biāo)。如果有人需要幫助，我很樂意幫忙！

Victor Lloyd
Of course the preponderance of the people responding to this question are financial advisors hawking their own businesses. I am NOT selling financial services!

當(dāng)然，回答這個(gè)問題的人中絕大多數(shù)都是金融顧問，他們都在推銷自己的業(yè)務(wù)。我可不是在賣金融服務(wù)！

Shortly before I retired, most of my savings were in a 401k plan (I also had an ESOP from which I would get some money, and my wife had a 401k plan with her employer) It was a chunk of money but certainly nothing overwhelming. I did know that all the large banks (like Chase, Bank of America, Wells-Fargo) have Financial Advising services. I asked among my friends and family and eventually went to one of those services. My wife and I opened our account at the bank in 2007 and I am very pleased with how they have done. I rather expected that the nest egg invested would double every ten years if I didn’t take anything out. I am pleased to tell you that our savings have increased at a proportion that is considerably higher than that! (…and we have taken some money out for home projects). They also provide us with very good advice in regard to our mortgage and outside investments. I can tell you that I have absolutely no concerns about our finances and I am certain there will be enough to add to our childrens’ nest eggs when we are both dead.

在我退休前不久，我的大部分積蓄都存放在401k計(jì)劃中（我還擁有一個(gè)ESOP，可以從中獲得一些錢，我的妻子也在她的雇主那里有一個(gè)401k計(jì)劃）。這是一筆不小的錢，但當(dāng)然也不算多到令人不知所措。我知道所有大型銀行（如大通銀行、美國(guó)銀行、富國(guó)銀行）都提供財(cái)務(wù)咨詢服務(wù)。我向朋友和家人咨詢后，最終選擇了其中一家服務(wù)。我和妻子于2007年在那家銀行開設(shè)了賬戶，對(duì)他們的服務(wù)非常滿意。我原本預(yù)期如果不取出任何錢，投資的積蓄每十年會(huì)翻一番。我很高興地告訴你，我們的儲(chǔ)蓄增長(zhǎng)速度遠(yuǎn)高于這個(gè)比例?。ā椅覀冞€取出了一些錢用于家庭項(xiàng)目）。他們還為我們提供了關(guān)于抵押貸款和外部投資的非常好的建議。我可以告訴你，我對(duì)我們的財(cái)務(wù)狀況完全沒有擔(dān)憂，并且確信在我們?nèi)ナ篮?，還會(huì)有足夠的錢留給孩子們的積蓄。

Therefore, my suggestion is go to a large bank and interview their Financial Services people. Be wary of all the hotshots with smallish companies.

因此，我的建議是去一家大銀行，采訪他們的金融服務(wù)人員。對(duì)那些來自小公司的風(fēng)云人物要保持警惕。

Ford Beckett
Over our years of operation we have shared in many successful opportunities, and have produced exceptional results for our clients utilizing all of the minds of brokers and researchers that we have with us here. The advice which we offer to our clients has been extensively researched and analyzed by our specialist teams, that allows us as a company to show our clients the growth they need in an investment opportunity. Ford Beckett knows that when our clients choose to make investments, they need to understand where there capital is working and how it will achieve what is needed of it.

在我們多年的運(yùn)營(yíng)中，我們共享了許多成功的機(jī)會(huì)，并通過我們這里所有經(jīng)紀(jì)人和研究人員的智慧，為客戶創(chuàng)造了卓越的成果。我們向客戶提供的建議經(jīng)過了我們專家團(tuán)隊(duì)的廣泛研究和分析，這使得我們作為一家公司能夠向客戶展示他們?cè)谕顿Y機(jī)會(huì)中所需要的增長(zhǎng)。福特·貝克特深知，當(dāng)我們的客戶選擇進(jìn)行投資時(shí)，他們需要了解他們的資金在哪里運(yùn)作以及它將如何實(shí)現(xiàn)所需的目標(biāo)。

Pam Krueger
First you have to decide if you want a financial advisor or a broker at a brokerage firm. Brokers are not legally held to the same fiduciary standard as registered investment advisors because why should they be held to a higher ‘a(chǎn)dvice’ standard when they can get by on the lower sales rep standard that doesn’t require them to put clients’ best interests first.

首先，你需要決定是選擇財(cái)務(wù)顧問還是經(jīng)紀(jì)公司的經(jīng)紀(jì)人。經(jīng)紀(jì)人并不像注冊(cè)投資顧問那樣被法律要求遵守同樣的信托標(biāo)準(zhǔn)，因?yàn)樗麄兛梢詽M足于較低的銷售代表標(biāo)準(zhǔn)，這一標(biāo)準(zhǔn)不要求他們將客戶的最佳利益放在首位，所以他們?yōu)楹我灰笞袷馗叩摹ㄗh’標(biāo)準(zhǔn)呢？

How to find a fiduciary fee-only advisor

如何找到只收取信托費(fèi)用的顧問

You know you don’t want a sales rep so that means you’re going to hunt for a fee-only advisor who works only for their clients. (In other words are ONLY paid by their clients). There are networks of fee-only advisors that advisors have to want to join such as:

你知道你不想要銷售代表，這意味著你將尋找一位僅為其客戶服務(wù)的純收費(fèi)顧問（換句話說，他們僅由客戶支付費(fèi)用）。有一些純收費(fèi)顧問網(wǎng)絡(luò)，顧問們需要自愿加入，例如：

Fee-Only Network

僅限付費(fèi)網(wǎng)絡(luò)

XY Planning

XY規(guī)劃

These are well-known sources but lots of excellent fee-only advisors don’t join those networks. You can cross-reference and do a search for local fee-only advisors, then see if you can read their profiles on any of those network sites to verify or just learn more.

這些都是眾所周知的來源，但許多優(yōu)秀的僅收費(fèi)顧問并未加入這些網(wǎng)絡(luò)。你可以交叉參考并搜索當(dāng)?shù)氐膬H收費(fèi)顧問，然后看看是否能在這些網(wǎng)絡(luò)站點(diǎn)上閱讀他們的個(gè)人資料以核實(shí)或了解更多信息。

None of this is going to help you screen IN the right advisors who fit your circumstances or screen OUT the multitudes who don’t. Advisors specialize. They are different. Most are mediocre and a few are great. Once you do narrow down your search, then you have to vet each and every advisor to reach their background records on SEC’s website. You have to interview the advisors.

這些都無法幫助你篩選出適合你情況的顧問，也無法篩除那些不適合的大多數(shù)人。顧問們各有專長(zhǎng)，各不相同。大多數(shù)顧問表現(xiàn)平平，只有少數(shù)是優(yōu)秀的。一旦你縮小了搜索范圍，就必須逐一審查每位顧問，查閱他們?cè)诿绹?guó)證券交易委員會(huì)（SEC）網(wǎng)站上的背景記錄。你還必須對(duì)顧問進(jìn)行面試。

Please watch out for websites that advertise matching you to advisors but do not vet, do not offer privacy and you can’t verify who’s behind the service. There’s a lot of lead-generators out there who sell your name and info to insurance agents who will call you night and day.

請(qǐng)警惕那些宣傳為你匹配顧問但既不進(jìn)行審核、不提供隱私保護(hù)，也無法驗(yàn)證服務(wù)背后真實(shí)身份的網(wǎng)站。市面上有很多潛在客戶生成器，它們會(huì)將你的姓名和信息出售給保險(xiǎn)代理人，這些代理人會(huì)不分晝夜地給你打電話。

I created Wealthramp to make sense out of this mess. I have 200+ fee-only advisors who specialize in different types of clients, are all over the country and have passed my vetting.

我創(chuàng)建了Wealthramp來理清這一團(tuán)亂麻。我有200多名只收取費(fèi)用的顧問，他們專門服務(wù)于不同類型的客戶，遍布全國(guó)各地，并且都通過了我的審核。

You can get matched to the advisors I recommend for you, then reach out when you’re ready. I don’t share your information with the advisors unless you ask me so you’re in control.

您可以與我為您推薦的顧問進(jìn)行匹配，然后在您準(zhǔn)備好時(shí)聯(lián)系他們。除非您要求，否則我不會(huì)將您的信息分享給顧問，因此您始終掌握控制權(quán)。

Finding the right advisor can be really frustrating and I hope I’m helping. Hiring an advisor to help you save, invest and manage your life savings is a serious decision and it’s best to take it slow and go about it in a thoughtful way.

找到合適的顧問可能會(huì)讓人非常沮喪，我希望我能幫上忙。聘請(qǐng)一位顧問來幫助你儲(chǔ)蓄、投資和管理畢生積蓄是一個(gè)嚴(yán)肅的決定，最好慢慢來，以深思熟慮的方式進(jìn)行。

Jack Ryan
There are a lot of different ways to find a financial advisor. You can ask your friends or family for recommendations, look online, or even contact your local financial planning association.

尋找財(cái)務(wù)顧問有很多不同的方法。你可以向朋友或家人尋求推薦，上網(wǎng)查找，甚至聯(lián)系當(dāng)?shù)氐呢?cái)務(wù)規(guī)劃協(xié)會(huì)。

The best way to find a financial advisor is to do your own research. Look for someone who has experience in the specific area of financial planning that you need help with. For example, if you need help with retirement planning, look for an advisor who specializes in that area.

尋找財(cái)務(wù)顧問的最佳方法是自己進(jìn)行研究。尋找在你需要幫助的特定財(cái)務(wù)規(guī)劃領(lǐng)域有經(jīng)驗(yàn)的人。例如，如果你需要退休規(guī)劃方面的幫助，就找一位專門從事該領(lǐng)域的顧問。

Once you’ve found a few potential advisors, interview them to see if they’re a good fit for you. Ask them about their experience, qualifications, and fees. Also, be sure to ask about their investment philosophy and how they would handle your specific financial situation.

一旦你找到幾位潛在的顧問，就對(duì)他們進(jìn)行面試，看看他們是否適合你。詢問他們的經(jīng)驗(yàn)、資格和費(fèi)用。同時(shí)，一定要詢問他們的投資理念以及他們將如何處理你具體的財(cái)務(wù)狀況。

Choosing a financial advisor is an important decision. Be sure to do your homework to find an advisor who will be a good fit for you and your financial goals.

選擇一位財(cái)務(wù)顧問是一個(gè)重要的決定。務(wù)必做好功課，找到一位適合你和你的財(cái)務(wù)目標(biāo)的顧問。

Christopher Terry
Go here, and find a local advisor: The National Association of Personal Financial Advisors (they are all fee-only)

前往此處，尋找一位本地顧問：全國(guó)個(gè)人財(cái)務(wù)顧問協(xié)會(huì)（他們均為僅收費(fèi)顧問）

The only way to know for sure is to try them out or talk to people who have used them. I would not use anyone that charges a % of your assets. I have talked to a local advisor in the past and usually pay around $500-700 for a multi-hour session where they come prepared based on all the statements I sent them in advance.

唯一能確定的方法就是親自嘗試或與使用過的人交流。我不會(huì)選擇那些按資產(chǎn)百分比收費(fèi)的顧問。過去我曾與一位本地顧問交談過，通常支付大約500到700美元進(jìn)行多小時(shí)的咨詢，他們會(huì)根據(jù)我提前發(fā)送的所有報(bào)表做好準(zhǔn)備。

Whether it's worth it or not may depend on how many investments you are dealing with. I liked getting help choosing the best options in each of our 401k's that we're stuck with for the time being. Also, she helped recommend life insurance / disability options and suggested we look into filing taxes differently for extra savings. With your NW of $150K, $500 would be 0.33% of that to spend on an advisor. If you feel you have a handle on things, you could wait until that number is higher (and the expenses is a smaller %), or it doesn't seem super unreasonable to spend 0.33% for a checkup every couple years.

是否值得可能取決于你正在處理多少項(xiàng)投資。我喜歡在暫時(shí)無法改變的401k計(jì)劃中，獲得幫助選擇最佳選項(xiàng)。此外，她還幫助推薦了人壽保險(xiǎn)/殘疾保險(xiǎn)選項(xiàng)，并建議我們考慮以不同的方式報(bào)稅以獲得額外節(jié)省。以你15萬美元的凈資產(chǎn)來看，500美元相當(dāng)于其中的0.33%用于顧問費(fèi)用。如果你覺得自己能掌控局面，可以等到這個(gè)數(shù)字更高（這樣費(fèi)用占比更?。?，或者每隔幾年花費(fèi)0.33%進(jìn)行一次檢查也不算特別不合理。

Bankrupt Investor
I am not be able to answer what is the best way to find a financial advisor but can caution you to not invest money with one of the so claimed financial advisor who has answered this question and is on this question thread. His name is Prashanth Prabhu.

我無法回答尋找財(cái)務(wù)顧問的最佳方式是什么，但我要提醒你不要把錢投資給一個(gè)自稱是財(cái)務(wù)顧問的人，他回答了這個(gè)問題并出現(xiàn)在這個(gè)問題的討論中。他的名字叫Prashanth Prabhu。

Prashanth Prabhu is a fraud, a man with bad attitude and loads of ego. Please do not invest any of your money with 29k Investment Advisors. Beware of this investment firm. Prashanth has cheated investors from India and Middle East for more than 70 Cr. rupees. He has been behind bars in Hyderabad between Oct-Dec. 2020 (Google his name and investment firm name for proof). Unfortunately he got out on bail but the police is still on his tail. Just stay away from this company. He doesn't care a bit about any of the investor despite duping them of huge money.

Prashanth Prabhu是個(gè)騙子，態(tài)度惡劣且極度自負(fù)。請(qǐng)不要在29k Investment Advisors投資任何資金。警惕這家投資公司。Prashanth已欺騙了來自印度和中東的投資者超過70億盧比。他曾在2020年10月至12月期間被關(guān)押在海得拉巴（可通過谷歌搜索他的名字和投資公司名稱查證）。不幸的是，他獲得了保釋，但警方仍在追捕他。請(qǐng)遠(yuǎn)離這家公司。盡管騙取了投資者巨額資金，但他對(duì)投資者毫不在意。

Shreya Mukherjee
Well, there are quite a few ways to find a financial advisor. Like you can always ask your friends, relatives whome they consult for financial matters. Nobody takes a risk with monetary matters, so you can give a try to those refered consultants by taking an appointment.

嗯，找到財(cái)務(wù)顧問的方法其實(shí)有不少。比如，你可以隨時(shí)問問朋友、親戚他們咨詢財(cái)務(wù)問題時(shí)找的是誰。在金錢問題上沒人會(huì)冒險(xiǎn)，所以你可以試著預(yù)約那些被推薦的顧問。

Also you can google for the best financial advisor near your area/location. The way I get to know Kolkata’s one of the best financial consultancy farm - Merry Mind is both the ways I stated above. Fortunately my senior office colleague refered Merry Mind and also I find them at the top of the search result on Google. Thus the trust factor builds quite easily.

你也可以在谷歌上搜索你所在地區(qū)最好的財(cái)務(wù)顧問。我了解到加爾各答最好的財(cái)務(wù)咨詢公司之一——Merry Mind，是通過上述兩種方式。幸運(yùn)的是，我的資深同事推薦了Merry Mind，同時(shí)我也在谷歌搜索結(jié)果的首位找到了他們。因此，信任因素很容易就建立起來了。

You can try both the ways as I did.

你可以像我一樣兩種方法都試試。

@nite
?Depends on why you need an advisor.

取決于你為什么需要顧問。

I look for an advisor that adds value beyond the cookie cutter stuff which I am already aware of (know the Series 65, so it’s somewhat easier to tell what’s useful).

我正在尋找一位能提供超越常規(guī)建議的顧問，那些我已經(jīng)知道的內(nèi)容（比如我了解Series 65考試，所以更容易辨別哪些建議是有用的）。

The key is understanding what you are buying to reduce the information asymmetry involved with choosing an agent. For retail buyers, there are just too many bad FAs that drive out the good ones in the line of sight. Often you’d have to find one with word-of-mouth from someone you know to be competent and trustworthy.

關(guān)鍵在于了解你所購(gòu)買的服務(wù)，以減少在選擇代理人時(shí)存在的信息不對(duì)稱。對(duì)于零售買家來說，視野中有太多糟糕的財(cái)務(wù)顧問，以至于擠走了優(yōu)秀的顧問。通常，你必須通過口碑找到一個(gè)你認(rèn)識(shí)且認(rèn)為有能力、值得信賴的人。

Some other uses for advisors are financial mediation (i.e. family relationships or “friends” begging for a “l(fā)oan”) and a second opinion. If they are creative (in a good way) that’s a big plus and their fees pay for itself ten times over. I have my own processes to determine that - but the first open ended question I ask them is what their thoughts on Bitcoin are. There is no “right” answer (not looking for a “yes man”) but they are many wrong answers which shows they don’t keep their continuing education or lack critical thinking (for example CFA now officially has Bitcoin on exams). Usually this helps eliminates the chaff quickly after a game of 20 questions where they can’t scxt their answers.

顧問的其他用途包括財(cái)務(wù)調(diào)解（例如家庭關(guān)系或“朋友”請(qǐng)求“借款”）以及提供第二意見。如果他們具有創(chuàng)造性（積極意義上的），那將是一個(gè)巨大的優(yōu)勢(shì)，他們的費(fèi)用會(huì)十倍地回報(bào)。我有自己的流程來判斷這一點(diǎn)——但我問他們的第一個(gè)開放式問題是他們對(duì)比特幣的看法。沒有“正確”答案（不是在尋找“應(yīng)聲蟲”），但有很多錯(cuò)誤答案表明他們沒有持續(xù)學(xué)習(xí)或缺乏批判性思維（例如，CFA現(xiàn)在正式將比特幣納入考試內(nèi)容）。通常，在一場(chǎng)他們無法預(yù)先準(zhǔn)備答案的20個(gè)問題游戲后，這有助于迅速淘汰不合格者。

Flat fee tends to work better. AUM based can tend towards bias and conflict of interest, sort of like how external managers for REITs are structured.

固定費(fèi)用通常效果更好?；谫Y產(chǎn)管理規(guī)模（AUM）的收費(fèi)方式容易產(chǎn)生偏見和利益沖突，有點(diǎn)像房地產(chǎn)投資信托基金（REITs）外部管理人的結(jié)構(gòu)。