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Old 05-06-2023, 09:06 AM
ElDiabloJoe ElDiabloJoe is offline
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I'm going to recommend a FA who is two things:

First, a fee-based (only!) advisor. That means no commissions, not even part fee / part commission. They make a fraction of a percentage on your returns. When you make money, they make money. When you lose money, they lose money. Well, they don't lose money, they just make much less money. They can't guarantee profits, but they will certainly smooth out any economic down turns to lessen losses;

Secondly, one who is an accountant. That means they intimately understand the tax consequences of the advice they are giving you.

For me, there is only Annette diBello of DiBello Financial. She is in Orange County, CA, but that should not matter. She has clients nationally and even internationally (Italy).

One of the first things she did for us was fire-test our retirement options. Essentially running your budget and income expectations through every single recent past (several decades including 1928/1929) economic condition to determine whether you can weather them.

Annette Di Bello CPA CFP(R) PC - Di Bello Financial