Looking for a Planner? Most investors never ask the questions that actually reveal whether a planner is managing their money or just maintaining a model. This free guide shows you what to ask, what the answers should sound like, and the red flags that most people never catch until it's too late.
Before you hire anyone — read this!
You're Looking for the Right Planner. Here's How to Know When You've Found One.
You know you need a financial advisor but you're not sure what to look for or what questions separate a true money manager from a well-paid relationship manager. The Advisor Evaluation Guide gives you the exact framework — what to ask, what good answers sound like, and the red flags most investors never catch..
Just Starting to Look
Ready to Make a Decision
You've done your research and you're close to choosing. The Advisor Evaluation Guide gives you 8 specific questions to ask every advisor you're considering — so your final decision is based on evidence, not a polished presentation.
Rulicent works exclusively with Oklahomans who have $500,000 or more in investable assets. We are fee-only and fiduciary — which means we are legally obligated to act in your interest, not ours. No commissions. No products. No conflict of interest.
Most investors with $500,000 or more assume that any credentialed, fee-only fiduciary is actively managing their money — watching markets, making decisions, and adapting when conditions change. The reality is that even fee-only fiduciaries often place clients into static model portfolios and maintain them indefinitely. Nobody ever gave you a framework to tell the difference. Until now.
Your Advisor Evaluation Guide: • What fiduciary and fee-only actually mean in practice — and why neither guarantees your money is being actively managed • Who is really making investment decisions in your portfolio — your advisor, or a model no one is watching • Why the standard blended portfolio quietly fails in retirement and what a rules-based alternative looks like • BONUS: 8 questions to ask any advisor.
FAQs
The guide is divided into two parts. Part One explains the four structural realities most investors are never taught — what fiduciary actually means in practice, who is really making decisions about your money, why blended portfolios quietly fail in retirement, and how required rate of return connects your portfolio to your future. Part Two gives you eight specific questions to bring to any advisor meeting, with a green flag and red flag answer guide for each one so you know exactly what good and bad answers look like.
It is designed for Oklahoma investors with $500,000 or more who are actively evaluating financial advisors — whether you are hiring for the first time, considering a switch, or simply want to understand whether your current advisor is truly managing your money or just maintaining a model.
No. The guide is a framework you can use at any stage — before your first advisor meeting, between meetings, or as a reference when something about your current relationship does not feel right. The right time to ask these questions is before you need the answers.
Print it or pull it up on your phone before any advisor meeting. Work through Part One first — it gives you the context to understand what you are actually evaluating. Then bring the eight questions in Part Two into every meeting you take. Write down the answers. The right advisor will welcome every question and answer each one directly and in plain English. The wrong one will deflect, use jargon, or change the subject. The answers — and the non-answers — will tell you more than any credential, firm name, or sales presentation ever could.
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•Fee-Only • Fiduciary • Oklahoma
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