When engaging a financial planner, it's crucial to ask the right questions to ensure you're making an informed decision and that the planner aligns with your financial goals and values. Here's a list of questions to consider:

1. What are your qualifications and credentials? Ask about their education, certifications (e.g., CFP, CFA, CPA), and experience in financial planning. You can verify a financial planner's certification and background here.

2. Will you have a fiduciary duty to me? Ensure that your financial planner is legally bound to act in your best interest and prioritize your financial well-being.

3. How do you charge for your services? Understand their fee structure, whether it's fee-only, fee-based, or commission-based, and what the total costs will be.

4. What services do you offer? Clarify the range of services they provide, such as retirement planning, investment management, tax planning, estate planning, etc.

5. What is your approach to financial planning? Gain insight into their overall philosophy and methodology when it comes to creating and managing financial plans.

6. What types of clients do you typically work with? Understand the demographics or financial situations of their typical clients to determine if they have experience working with clients similar to your circumstances and goals.

7. How do you tailor your services to my specific situation? Ensure they create a personalized financial plan tailored to your goals and financial circumstances.

8. How often will we meet, and how do you communicate with clients? Discuss the frequency of meetings and the methods of communication, whether in-person, phone calls, or virtual meetings.

9. How do you address conflicts of interest? Ask about how they manage potential conflicts of interest.

10. Have you ever been publicly disciplined for any unlawful or unethical actions in your career? Inquire about their professional conduct and whether they have faced any disciplinary actions or legal issues related to their financial planning practice. This question can help you gauge their integrity and trustworthiness as a financial advisor.

These questions will provide you with a comprehensive understanding of your potential financial planner's approach, ethics, and client base, helping you make an informed decision when selecting the right advisor for your financial needs.