Question 01 Is your financial adviser a fiduciary 100% of the time or just some of the time? Because loyalty that changes with the transaction is not the same as advice shaped solely around your interests.

Question 02 Have you reviewed your estate plan in the last 24 months? Tax law, family circumstances, and market values change faster than most plans do.

Question 03 Are your beneficiary designations aligned with your overall estate plan? One outdated designation can override carefully drafted documents and redirect assets unintentionally.

Question 04 Do you know who will serve as trustee when you cannot? Capacity planning matters just as much as tax planning when wealth is meant to protect a family across generations.

Question 05 Have you discussed your legacy intentions with the next generation? Clarity now can prevent conflict later and turn inherited wealth into guided stewardship.