Personnel Adviser

Ask the personal questions above about them too.

“Does he or she talk 90% of the time? If it’s more like 60/40 and he has asked you how he or she can help you, that’s really important. Financial planning about looking at the person’s individual circumstance instead of punching in some numbers — it’s based on the client’s goals, financial background, what they believe about money, etc.”

☛ Recall a time you collaborated effectively in a team

☛ Have you ever had a conflict with a coworker? How did you resolve it?

☛ Describe a time you had to deal with a difficult or angry customer. How did you diffuse the tension? What solution did you provide?

Some advisers only take high-net-worth clients. That may not be suitable for you.

“Some of planners hold an initial planning meeting and then you see them once a year, and that’s all you get. Others might have quarterly check-ins. “Some clients just want to go over everything once a year and then they’re good. Others are looking for more support, so it depends on the amount you want to pay, and how involved you want your planner to be. Are you a delegator? Or do you expect your advisor to explain things to you?” If you're not sure of what you'll be comfortable with, the J.D. Power & Associates survey found that investors contacted 12 or more times a year had the highest rates of satisfaction with their advisors.

Of the four main types of financial advisors, the certified financial planner (CFP) designation is harder to achieve than Chartered Financial Consultant (ChFC), because the former requires a comprehensive board exam; the latter, however uses the same core curriculum. If you want someone to manage your money, then look for a registered investment adviser (RIA). If you have a high income or a small business owner, you’ll probably want a certified public account (CPA), who can offer you advance tax planning. The personal financial specialist (PSF) certification is usually obtained by CPAs who want to demonstrate they can help clients with comprehensive financial planning.

This is a legal term meaning they have a fundamental obligation to provide suitable investment advice and always act in your best interests, not theirs. They should also be willing to give you a written statement that they accept this responsibility.

The interviewer is looking for evidence of your ability to gather and organize information in order to understand and solve a problem.

Focus on how you secured all the relevant information and analyzed it to come up with a possible solution.

Confidentiality and integrity are core to the job of an HR professional. Maintaining and promoting confidentiality and ethical norms are essential activities.

It was the time that I was still working for the bank. my colleagues were on leave and was the only consultant remaining to reach the branch target alone of which I did and exceeded.

This useful page on the Financial Planning Standards Council site reports recent disciplinary actions.

Some financial advisors have a niche, says Bera, and if you have a specific interest — such as charitable giving or socially responsible investments or if you’re a newlywed or recently divorced — you’ll want to find one that concentrates in that area too.

Edward A. Wacks, a CPA and CFP affiliated with Ameriprise Financial AMP -1.09%, says, “Most advisors tend to focus on people within 10 years of their age.” He for instance, focuses on soon-to-be retirees because he’s 61, and business owners because he has his own business. “I feel we have some commonality, and I understand their issues,” he says.

The more equities, the higher the risk. Younger people can employ a higher percentage of equities because they usually have higher long-term returns but comes with more volatility.

If you didn’t see this information on the planner’s web site, ask whether there’s an initial planning fee, whether they charge a percentage for assets under management, or whether they make money from selling you a specific product. Not only should you know how much the service will cost you, but it can help you determine whether they have an incentive to sell you things.

Again, if tax rates aren't considered, it isn’t a very compete analysis.

Human resources interview questions about performance management explore your ability to analyze problems in order to manage employee relations and intervene appropriately. Counseling means talking to the employee and arriving at a solution within the framework of accepted disciplinary procedures. Focus on your ability to go beyond just following procedure to gather all the relevant information to identify underlying issues and problems and identify cause and effect relationships.