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http://articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/8ThingsYourFinancialPlannerWontTellYou.aspx?page=all

A helpful hint in this article is the mention of the ADV, parts I and II.  The ADV provides many of the disclosures a potential client will want to know about a financial advisor without even needing to contact the advisor.  You can locate a firm’s ADV on the SEC’s website, www.sec.gov.  Above all, when interviewing a potential advisor, ask questions. If you don’t like what you hear, ask for further clarification or move on to the next advisor.  In a pool of hundreds of thousands of candidates, locating an advisor who is truly comprehensive, unbiased, fee-only and acts only in the best interests of their clients is sometimes hard to find.  With the proper tools and knowledge at your disposal, this doesn’t have to be the case.

• Are Fears of a Downgrade Premature?
• Summit’s New Website
• Liz Ann Sonders Luncheon
• Small Business Spotlight
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“Assume that you are an employee with 35 years until retirement and a current 401(k) account balance of $25,000. If returns on investments in your account over the next 35 years average 7% and fees and expenses reduce your average returns by 0.5%, your account balance will grow to $227,000 at retirement, even if there are no further contributions to your account. If fees and expenses are 1.5%, however, your account balance will grow to only $163,000. The 1% difference in fees and expenses would reduce your account balance at retirement by 28%.”