wealth advisor derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {
      "firm": "Smith Wealth Management",
      "action": "find",
      "advisors": "Advisor A 1% AUM, Advisor B flat fee",
      "location": "Denver, CO",
      "specialty": "retirement planning"
    }
  },
  "output": {
    "type": "json",
    "example": {
      "red_flags": [
        "Reluctance to disclose all compensation",
        "Pushes proprietary or annuity products"
      ],
      "disclaimer": "For informational purposes only. Not financial advice. Always verify advisor credentials and disciplinary history through SEC IAPD and FINRA BrokerCheck before engaging.",
      "amazon_link": "https://www.amazon.com/s?k=choosing+a+financial+advisor&tag=pulsenetwork7-20",
      "directories": [
        {
          "url": "https://www.napfa.org/find-an-advisor",
          "name": "NAPFA",
          "best_for": "fee-only fiduciary search by specialty",
          "search_tip": "Filter by \"Retirement Income Planning\""
        }
      ],
      "why_fee_only": "Fee-only advisors do not earn commissions on products, removing the incentive to sell you something",
      "amazon_search": "choosing a financial advisor",
      "fee_expectations": {
        "aum": "0.25%-1.00% annually, usually only worth it above $250K",
        "hourly": "$150-$400/hr",
        "flat_fee": "$2,000-$5,000 for a comprehensive plan"
      },
      "questions_to_ask": [
        "Are you a fiduciary at all times, or only sometimes?",
        "How exactly are you compensated?"
      ],
      "regulatory_check": {
        "note": "Search by firm and individual name for disciplinary history",
        "sec_iapd": "https://adviserinfo.sec.gov",
        "finra_brokercheck": "https://brokercheck.finra.org"
      },
      "what_to_look_for": [
        "CFP or CFA credential",
        "Fee-only (not fee-based)",
        "Fiduciary at all times"
      ],
      "advisor_type_recommendation": "Fee-only, fiduciary CFP with a retirement-income specialty"
    }
  }
}