What questions should I ask before hiring a financial advisor?

Come with a checklist. Ask whether they act as a fiduciary at all times and in writing, since that legally binds them to your best interest. Ask exactly how they are paid, whether flat fee, hourly, a percentage of assets, or commissions, and what your all-in annual cost will be. Ask what services are included, such as tax and estate coordination, or only investment management. Ask about their credentials, experience with clients like you, and typical client size. Ask how often you will meet and who covers you if they are unavailable. Ask how they invest, whether low-cost diversified funds or expensive proprietary products, a red flag. Finally, request references and their Form ADV. Their willingness to answer clearly and without pressure tells you as much as the answers themselves.