It is important to consider the advisor’s service offerings, as not all advisors provide the same level and depth of service. Do you only need assistance trading stocks? Is there a need for professional portfolio management where expertise and advice are provided? Are there more complex tax issues that require advanced technical expertise? Perhaps there is the need for an advisor who can provide the most comprehensive advice available – including estate planning, a review of all insurance coverage, cash flow and debt management, education funding and so on. Note that over time, as your balance sheet grows or your financial situation becomes more complex, your needs will most likely evolve. Receiving an inheritance, preparing for retirement or experiencing a divorce or loss of a loved one are just some situations where additional technical expertise may be needed.