5 Questions Every Smart Retiree Asks Themselves
Most people never ask these 5 questions — but they should.
What your advisor doesn't mention could cost you more than just fees.
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5 Questions Every Smart Retiree Asks Themselves
Answer honestly about your current advisor relationship. Most people discover gaps they never knew existed.
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Your Personalized Results
Based on your responses, here are the specific questions you should ask your advisor to get the clarity and transparency you deserve. These aren't generic questions - they're tailored to address the gaps we identified in your current situation.
Your 5 Personalized Questions
Print this out and bring it to your next advisor meeting. Based on your quiz responses, these are the exact questions that will give you the transparency you're looking for.
Question #1:
"Can you provide me with a written breakdown of every fee I pay, including all third-party costs and expense ratios?"
Why this matters for you: Your quiz responses suggest you're not getting complete fee transparency. Most advisors only mention their management fee but don't disclose the total cost of ownership.
Question #2:
"How often do you actively monitor my portfolio, and what specific triggers prompt you to make changes?"
Why this matters for you: You indicated uncertainty about how actively your investments are managed. This question reveals whether you're getting active management or just quarterly check-ins.
Question #3:
"Beyond investments, what specific planning services do you coordinate, and how do they integrate with my overall retirement strategy?"
Why this matters for you: Your responses show gaps in comprehensive planning. This question determines if you're getting holistic retirement planning or just investment management.
Question #4:
"Are you legally required to act as a fiduciary for all our interactions, and what does that mean for how you're compensated?"
Why this matters for you: Based on your answers, there may be conflicts of interest you're unaware of. This question clarifies whether your advisor is legally bound to put your interests first.
Question #5:
"What's your typical response time for questions, and how do you proactively communicate important changes affecting my plan?"
Why this matters for you: Your quiz indicated communication gaps. This question sets clear expectations for ongoing service and responsiveness.
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Download the full "5 Questions Every Smart Retiree Asks Their Advisor" guide - printable and ready to use in your next meeting.
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Or... Let Me Ask These Questions For You
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I know these can be tough questions to ask someone you've trusted with your money. If you'd prefer, I can review your current situation independently and give you an objective assessment - no confrontation required.
I'll analyze your fees, portfolio, and service level professionally
You get a written assessment with specific findings
No obligation to make any changes - just get clarity
30-minute review call to discuss my findings
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JUSTIN MCGUFFEY
Investment Advisor Representative
20+ Years Experience | Independent, Fee-Based
Helped 2,000+ Investors Navigate Advisor Relationships
Author of "5 Questions Every Smart Retiree Asks"
Helped 2,000+ Investors Navigate Advisor Relationships
Author of "5 Questions Every Smart Retiree Asks"