Navigating your personal or business finances can be overwhelming—especially when there are countless decisions to make around budgeting, saving, investing, taxes, and future planning. That’s where a reliable financial consultancy service like Prioritize Financial becomes invaluable.

But not all financial advisors or consultants are created equal. Before trusting someone with your financial future, it's essential to ask the right questions to ensure you're making the best choice. Whether you're an individual seeking personal financial planning or a business owner looking for strategic guidance, these eight questions can help you assess whether your financial consultancy service is the right fit.

1. What Services Do You Offer?

The first question to ask is simple yet crucial: What exactly do you do? Some consultants focus solely on investment management. Others, like Prioritize Financial, offer a full suite of services such as:

• Budget creation and cash flow management

• Credit repair and rebuilding

• Debt management strategies

• Tax planning and preparation

• Business consulting

• Wealth-building and retirement planning

Understanding their offerings ensures you get a comprehensive solution tailored to your unique needs. Make sure the service aligns with your financial goals—whether that’s improving your credit score or scaling your business.

2. Are You a Fiduciary?

A fiduciary is legally obligated to act in your best interest. This means they are required to give advice that benefits you—not one that brings them the highest commission or benefit.

At Prioritize Financial, we prioritize transparency and client trust, so you’ll always know we’re on your side. Make sure you’re not working with someone who’s more interested in selling financial products than offering solid financial advice.

3. How Do You Charge for Your Services?

This is one of the most important questions. Some financial consultants work on a fee-only basis, while others might earn commissions through financial products they recommend. Common pricing models include:

• Hourly fees

• Monthly retainers

• Flat-rate packages

• Percentage of assets managed

• Commission-based (often tied to product sales)

At Prioritize Financial, we believe in clarity and fairness. We’ll always explain our pricing up front, so you can make an informed decision without hidden surprises.

4. What Is Your Experience and Qualification Background?

You want someone who has both the knowledge and the practical experience to guide you. Ask about:

• Educational background

• Licenses and certifications (e.g., CFP, CPA, etc.)

• Years in the industry

• Types of clients they typically work with

A strong background is especially important when dealing with complex areas like tax planning or business funding strategies. Our team at Prioritize Financial brings years of combined experience helping clients achieve financial confidence and security.

5. How Do You Tailor Your Advice to My Specific Needs?

One-size-fits-all financial strategies rarely work. A good consultant will ask questions, analyze your situation, and develop a custom plan. This includes:

• Reviewing your income and expenses

• Analyzing your debts and credit

• Understanding your short- and long-term goals

• Identifying areas for growth or savings

At Prioritize Financial, we believe personalization is the key to success. Whether you're looking to start fresh financially or grow your business, we create strategies that reflect your vision and needs.

6. How Will We Communicate and How Often?

Effective communication is the backbone of a successful financial relationship. Ask about:

• Meeting frequency (monthly, quarterly, annually)

• Availability for urgent questions

• Preferred methods of communication (phone, email, Zoom, in-person)

• Ongoing monitoring and adjustments

Some people prefer hands-on, frequent updates, while others want occasional check-ins. At Prioritize Financial, we adapt to your preferences and provide the support you need—when you need it.

7. Can You Provide References or Case Studies?

One of the best ways to verify a consultancy's quality is through client feedback. A trustworthy firm should have testimonials, references, or case studies to share—demonstrating their ability to deliver results.

At Prioritize Financial, we’re proud of the transformations we’ve helped our clients achieve, from raising credit scores and eliminating debt to launching successful businesses. Ask us about our client success stories—we’re always happy to share.

8. What Happens If My Financial Situation Changes?

Life happens. Whether it’s a job change, a new business venture, or an unexpected expense, your financial strategy needs to be flexible. Ask:

• Will you help me adjust my plan as my life changes?

• How quickly can you pivot and provide updated advice?

• Are there additional fees for modifying my strategy?

With Prioritize Financial, you’re not just getting a one-time consultation. You’re gaining a long-term partner dedicated to adapting your plan as your life evolves.

Final Thoughts

Choosing the right financial consultant is one of the most important decisions you’ll make for your financial future. By asking the right questions, you can identify a service that is not only competent and credible, but also a good match for your goals, communication style, and values.

At Prioritize Financial, we take our responsibility seriously. Whether you're trying to get out of debt, build your savings, improve your credit score, or take your business to the next level, we’re here to help you every step of the way.

Let’s work together to prioritize your financial future—with clarity, integrity, and results-driven strategies.