What should you ask a financial planner?

When evaluating potential financial planners and advisors to hire, it’s important to do your research — and ask plenty of questions. Here are some questions you can ask before making a decision on who to hire: 

• How much do you charge for your services?
• How do you set your prices and fees? What is your fee structure?
• Are you a fee-only financial planner?
• Are you a fiduciary? 
• What certifications, degrees, designations and credentials do you have?
• What is your area of expertise (e.g., retirement, taxes, investments, etc.)
• How long have you been a financial planner?
• Do you have any references I can contact?