Motley Fool Money

Episode: Find the Right Financial Planner for You

Date: March 28, 2026
Guest: Hannah Moore, CFP, founder of Amplified Planning and Guiding Wealth
Host: Robert Brokamp

Episode Overview

This episode dives deep into how to find the right financial planner, especially for those who typically manage their own finances but are seeking a professional’s input. Host Robert Brokamp interviews Hannah Moore, a certified financial planner (CFP), to decode the rapidly changing landscape of financial planning, discuss the importance of fee structures and certifications, and provide practical steps for selecting a trustworthy advisor.

Key Themes and Discussion Points

1. The Evolving Landscape of Financial Planning

[03:03]

• The industry has shifted from being investment-management centric to a holistic financial planning approach.
• Increasing complexity in individual finances means clients now need more than just portfolio advice.
• Notable trend: Large firms are consolidating smaller ones, creating both giants and niche boutique firms.

  “It’s largely transitioning more towards financial planning…people are just doing the investment management and that’s all they’re doing. Now, it’s really—they’re doing the financial planning and the investment management is often how they’re getting paid for that work.” (Hannah Moore, [06:40])

2. Understanding What You Need from a Financial Professional

[05:56]

• Begin by clearly defining what type of help you want: full-scale planning vs. focused analysis (e.g., retirement checkup).
• Many advisors still want to manage your assets (“AUM” model), but hourly/project-only planners exist.
• For hourly planners, networks like Garrett Planning Network are good resources.
• Beware: A request for “just one thing” often uncovers other, interconnected needs.

  “It’s kind of like going to the doctor and saying, I need you to look at my elbow. But, hey, there’s all these other things that could potentially be wrong as well.” (Hannah Moore, [08:46])

3. Benefits of Building an Ongoing Relationship

[10:42]

• Professional ongoing relationships are valuable even for DIYers, offering second opinions and family continuity if the main financial organizer passes away.

  “I want that professional second opinion, even though I generally know this stuff. But I also want to begin that relationship because if anything happens to me, she already has someone that she trusts ready, waiting in the wings.” (Robert Brokamp, [10:42])

• Real-life story: Having a planner eased stress for a client’s spouse after a death.

  “Money was not on her mind. She was like, is there anything I need to worry about? I was like, nope, we got it all covered.” (Hannah Moore, [11:06])

4. Credentials, Fiduciaries, and Fee-Only Planners

[12:03]

• The gold standard is the CFP (Certified Financial Planner) designation: assures broad financial knowledge.
• “Fee-only” means the client pays (not via commissions or products) – be clear on how an advisor is compensated.
• “Fiduciary” means acting in your best interests—important to verify.

  “The CFP certification—that’s the gold standard—it really is.” (Hannah Moore, [12:19]) “Are you recommending the best thing for me, or are you recommending the best thing that generates the biggest commission for you?” (Robert Brokamp, [15:21])

5. How and Where to Find the Right Financial Planner

[14:02], [14:16]

• Use directories like Garrett Planning Network, NAPFA (National Association of Personal Financial Advisors), and FPA (Financial Planning Association).
• Word-of-mouth still powerful—ask trusted friends or colleagues with similar situations.
• Be aware: Some excellent advisors can’t label themselves “fee-only” due to firm affiliation but operate as such.

  “One of the other best recommendations is asking people in your network… especially if your situation is similar to theirs.” (Hannah Moore, [14:16])

6. Interviewing and Vetting Advisors: Questions and Red Flags

[17:44]

• Always ask about the advisor’s process—what work they do, what documents they review, how they approach your needs.
• Ask how they are paid and about their affiliations (e.g., with NAPFA, FPA, or other networks).
• Red flag: Lone wolves without professional networks or community—the best planners are connected and resourceful.
• Trust your instincts—if it doesn’t feel right, keep looking.

  “Trust your instincts…make sure both people are there and just be like, did it feel good?” (Hannah Moore, [18:07])

7. Specialty and Personal Fit

[19:14], [20:12]

• Look for an advisor with experience in situations like yours (e.g., special needs, immigrants, business owners)—shared experience matters.
• A truly good fit can increase confidence and reduce stress for both partners in a household.

  “Finding the right person can make all of the difference… It can give you a level of confidence and peace of mind that… they didn’t know [was possible].” (Hannah Moore, [20:46])

Notable Quotes & Memorable Moments

• On industry change:

  “It’s a fascinating what’s happening within the financial planning landscape…It’s largely transitioning more towards financial planning.” (Hannah Moore, [03:03])

• On the real value of planning:

  “Money was not on her mind…just to have that relief that that’s not a pressure on her life.” (Hannah Moore, [11:06])

• On credentials:

  “The CFP certification—that’s the gold standard—it really is.” (Hannah Moore, [12:19])

• On personal fit:

  “Finding the right person can make all of the difference…It really is worth…the energy and the work…” (Hannah Moore, [20:46])

Key Timestamps

• [03:03] – Landscape shift in financial planning; rise of holistic planning
• [06:40] – Business models: AUM vs. hourly/project
• [10:14] – The importance of the holistic, second-opinion view
• [11:06] – Real-life client story: value of relationship continuity
• [12:19] – What credentials and terms matter (CFP, fiduciary, fee-only)
• [14:02] – Directories and networks for finding planners
• [17:44] – Interviewing planners: what to ask, how to vet, red flags
• [20:46] – The difference a great planner can make

Takeaways for Listeners

• Clarify Your Needs: Decide what help you want: comprehensive planning or a targeted review.
• Prioritize Credentials: Look for a CFP and a fiduciary; be clear on fee structure.
• Interview Thoroughly: Press for details on process, experience, and payment.
• Network and Research: Use directories and word-of-mouth; consider specialty needs.
• Trust Your Gut: Fit and trust are crucial. The right match brings real peace of mind.

Heads Up:
If you’re interested in becoming a planner, or want insight into the career, Hannah Moore returns on April 11th to discuss her externship program.

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