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What to Ask Before Hiring a Financial Professional

The U.S. Security and Exchanges Commission recommend asking the following questions before you consider hiring any financial professional:

What experience do you have, especially with people in my circumstances?
Where did you go to school? What is your recent employment history?
What licenses do you hold? Are you registered with the SEC, a state, or the Financial Industry Regulatory Authority (FINRA)?
What products and services do you offer?
Can you only recommend a limited number of products or services to me? If so, why?
How are you paid for your services? What is your usual hourly rate, flat fee, or commission?
Have you ever been disciplined by any government regulator for unethical or improper conduct or been sued by a client who was not happy with the work you did?
For registered investment advisers: will you send me a copy of both parts of your Form ADV?

Do a Background Check
Even though you ask the above questions, it's important to note that you may not always get truthful answers. Make sure to do your due diligence regarding their qualifications and experience. Remember, you can always do a background check at

This is a long term relationship so take your time and pick the right person.

BECU Investment Services offers investment advice you can trust from BECU employees who believe in the credit union values of service and integrity. To learn more, visit

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