Before you meet your financial advisor, you may have some questions about your investment. Read the following information to be prepared before you meet the financial advisor, and learn more about your investment requirements.



Investors have their own investment objectives that depend on short-term or long-term demand. Communicating these objectives to the financial advisor is the first step.
Start by answering these questions:

  • What investment objectives do I have?
  • How much should I increase my savings to achieve this goal?
  • How do I define risk, and how much risk am I willing to take?
  • When will I have to withdraw the money?
  • Are there other conditions that affect investments, such as asset transfer or tax considerations?

These are important questions that reflect on risk tolerance, which can be difficult to define and can change over time. Your ability to take risks: your age, your wealth and financial needs all affect the determination of the ability to cope with risk.

The duration of the investment plan also plays a fundamental role, because it shows how much liquidity should be kept in the portfolio. A pension investment plan is a long- term investment, up to 30 years, which is called the accumulation phase. Also the retirement period, which can average up to 20 years, should also be considered.


Before you visit a financial advisor, you should ask yourself the following questions to clarify your purpose of the investment:

  • Why do I need a financial advisor?
    • Execution of transactions in the purchase and sale of securities and portfolio monitoring?
    • Professional management and complete control over your investments?
    • Management of any assets and any financial needs?
  • What is the purpose of my investment?
  • How long is the duration of the investment plan?
  • What does “risk” mean to me? How much risk am I willing to take?
  • When should I withdraw money?
  • What other characteristics and conditions affect the investment?
    • Asset transfer?
    • Tax treatment and impact?
    • Periodic need for cash withdrawals?
  • What kind of communication should I have with the advisor?
    • Online communication, phone calls or meetings?
    • Am I looking for an advisor who works in the same city, or the distance is not a problem?


The interview with financial advisors is a must. This questions list will help you find a qualified advisor who is committed to ethical and professional standards.

  • What is your education?
  • Do you have professional qualifications?
  • What is the employment experience in the investment business?
  • How many clients does your company have?
  • Are you part of a professional organization, like the CFA Institute?
  • What services do you provide? Pension planning, investment planning, property tax and transfer, insurance, etc.
  • What is the structure of the commissions?
    Commissions are on the products / services you offer, or
    Are you an intermediary of a company to which you refer products / services?
  • Have you been disciplined for acting against the law or against professional ethics during your career?
  • What is the approach of the investment management process?
  • How will this approach help me achieve my investment objective?
    What are performance measures?
    What are the investment obligations and risks you are proposing to me?
  • How is the performance history?
  • How often will you communicate with me?
  • What reports will be sent to me periodically?