April 2026
Are you truly getting the value you deserve for the fees you’re paying?
This is the question soon-to-be and current retirees are asking their financial advisors – and that’s a good thing. While a financial advisor can majorly improve your financial security, not all advisors have your best interest in mind — and may be overcharging for services that don’t improve your returns.
AdviserMatch’s no-cost advisor quiz helps you quickly know the level of performance you should expect from your advisor. If you're unsure whether you’re getting the best return on your investments, it’s time to take a closer look at who can actually help you.
Staying informed can ensure you’re not being overcharged for services that don’t turn a profit for you.
Your Advisor Should Prioritize Your Future, Not Their Fees
It’s an uncomfortable fact: Some financial advisors only recommend investments that pay them big commissions. But these investments might not be what’s best for your portfolio. That means the advisor is working to increase their bottom line, not your returns.
The way to avoid this dishonest situation is to only work with a fiduciary financial advisor. A fiduciary is bound by law to recommend only investments that are in your best interest.
| With an advisor | Without an advisor | |
|---|---|---|
| Feel financially secure | 64% | 24% |
| Have an emergency fund | 84% | 48% |
| A plan in case they outlive savings | 83% | 53% |
| A plan to pay off debt | 79% | 49% |
Source: Northwestern Mutual
Are your fees transparent? Do you feel like you’re getting value for what you’re paying? If you’re unsure, it’s time to evaluate whether your advisor is truly earning their fees. Take the AdviserMatch quiz to quickly assess whether your current advisor is the best choice for your needs, or if you’d be better off with someone who offers more value.
While financial advisors can provide value, their services typically involve fees, and results may vary depending on market conditions and individual financial circumstances.
You have unique financial demands, risk tolerance, and life circumstances. Unfortunately, many financial advisors want to push you into the same program and routine as all their other clients.
While the advisor may earn a nice income doing this, you could be missing out on higher returns. The quick advisor quiz from AdviserMatch reveals what kind of value you should actually expect from your financial advisor.
Why A Fiduciary Financial Advisor Gives You Higher Value
A fiduciary financial advisor works with your best interests in mind. Regular advisors may be incentivized to recommend certain investments with higher commissions, but a fiduciary is legally bound to act in your best interest.
Here’s why working with an independent financial advisor is so valuable:
- You get unbiased advice: A fiduciary advisor is required to prioritize your financial well-being, ensuring that all recommendations are made mainly to benefit you.
- They seek to manage tax exposure: Fiduciaries focus on minimizing taxes and maximizing your investment returns while keeping fees transparent and fair.
- Shift To Tax-Efficient Investments: A fiduciary can guide you towards diverse and balanced investment options – like private credit and real estate trusts.
The relationship with a fiduciary is far more transparent since they are mainly focused on your goals and needs.
Connect With An Advisor Committed to Transparency
Many advisors may benefit from recommending certain products over others.
This conflict of interest can lead to poor financial choices like recommending high-fee investments or bad products. That could result in profits for them, yet outcomes vary over time.
As a result, you may be paying for services that don’t provide any real value. That’s why it’s essential to work with an independent financial advisor who’s truly aligned with your goals, rather than one who prioritizes their earnings over your financial well-being.
Choose A Personalized Plan Over One-Size-Fits-All
If your advisor is offering generic, cookie-cutter solutions that don't address your specific needs, you could be leaving money on the table.
A one-size-fits-all approach is a red flag when it comes to financial advice, because every investor has unique goals, risk tolerance, and life circumstances.
A strong fiduciary advisor takes the time to understand your situation. They craft a personalized plan that hones in on your individual goals – whether it’s preparing for retirement, funding a child’s education, or building long-term wealth.
Ensure You’re Getting The Best Advice
Don’t leave your financial future to chance. If you feel like your advisor isn’t providing the value you deserve, now’s the time to consult with an independent financial advisor who prioritizes your needs. Take the financial advisor quiz today and connect with an independent financial advisor to help you optimize your wealth and secure a better future.
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