Request a written disclosure document from the planner. This will either be what's called a Form ADV or an equivalent brochure. This should answer many of your questions. You may then want to follow up with a personal interview, which many planners will do for free.

Basic Information to Gather

• Financial planning and other financial designations the planner holds
• Educational background and work experience
• Licenses to sell certain financial products, such as life insurance or securities
• Services the planner provides
• The planner's basic approach to financial planning
• Areas of specialization
• Types of clients the planner serves, and any minimum net worth or income requirements
• Professional affiliations, including membership in the Financial Planning Association
• How the planner prepares a plan
• How the planner might address your particular needs
• Whether the planner or others will implement recommendations from the plan
• Business relationships the planner has that might present a conflict of interest
• How the planner is paid for services and typical charges

Face-to-Face

A face-to-face interview should give you a personal sense about the planner. Does the person seem forthright in their answers? Do you have a sense of trust and rapport? Is the person focused on your needs, not selling products?