How to find an advisor, and what to ask

Where to look

• People you trust. Ask coworkers, family, your CPA or your attorney who they work with and why.
• CFP Board. letsmakeaplan.org lists CFP® professionals by location and specialty.
• NAPFA. napfa.org lists fee-only advisors.
• Or let us help. We can introduce you to an advisor who works with the Schwab PCRA. The introduction is free, we aren't paid for it, and there's no obligation. Ask us.

Already have an advisor? Not sure they can help with the Schwab PCRA in your 401(k)? Send us their name and firm, and we'll check for you.

Seven questions to ask about your Schwab PCRA

1. Do you work with the Schwab PCRA in 401(k)s like mine?
2. Can you advise me on it? Can you manage it for me if my 401(k) allows it?
3. Will you look at my whole 401(k), not just the PCRA?
4. Can my money stay inside my 401(k) while we work together?
5. Are you a fiduciary for me at all times?
6. How are you paid, and what will I pay in total each year?
7. How often will we talk, and what happens if I want to stop?

Good answers sound like: "Yes, I work with the PCRA." Fees in writing. Fiduciary at all times. Happy to work inside your 401(k).

Before you decide, you can look up any advisor's registration for free at adviserinfo.sec.gov. Listing these resources is not an endorsement of any advisor.