5 Reasons To Consider Switching Your Financial Advisor

The Quiet Risk in Staying Loyal to a Financial Plan That No Longer Fits You

You’ve done everything right.

You worked hard, saved aggressively, and followed the advice you were given. But something’s changed, and it’s not just the markets.

It’s you.

Your financial priorities have shifted from growth to protection… from building wealth to preserving it. Yet your plan, your strategy, your asset mix, even your advisor, may still be operating like you’re in your 40s.

Worse, you may not realize how much that mismatch may be costing you, until it’s too late.

Across the country, affluent retirees are waking up to this quiet risk. They’re asking tougher questions. They’re taking second opinions. And more and more are deciding to part ways with their long-time financial advisors.

Here are five clear signs it might be time to do the same.

1. You’re Not 40 Anymore. Your Plan Should Reflect That

What made sense at 40 doesn’t cut it at 65. Your advisor should recognize the shift from accumulation to preservation and transition accordingly. If your plan still prioritizes growth without addressing risk management, income stability, and tax efficiency, it may no longer fit your current priorities

2. You’re Doing Their Job.

You’re reading whitepapers, googling Roth conversions, asking ChatGPT about capital gains. If you’re more proactive about optimizing your plan than your advisor is… ask yourself why you’re still paying them.

3. You’re Still Using Pre-2019 Strategies in a Post-Rate-Hike World

Pre-2019, the economy lived in a world of near-zero interest rates, easy money, and a very different tax and market environment. That world is gone. Rates have surged. Volatility is higher. The playbook changed, but your advisor might still be calling plays from the old one. That’s not “conservative" investing.

4. It always feels like you’re guessing

If your financial advisor only reaches out once a year, or worse, when you call them first, that’s a problem. High-net-worth investors require ongoing strategy updates, proactive tax planning, and timely responses to market changes.

A great advisor should be accessible, engaged, and ahead of market trends, ensuring you’re always informed and making smart financial decisions. If your advisor isn’t regularly reviewing your portfolio or fails to provide clear answers about your financial future, it might be time to find one who will.

5. You’ve Never Had a Second Opinion. 

You’ve spent decades building your wealth, but you’ve never pressure-tested the plan meant to protect it.

Doctors get second opinions. Lawyers bring in co-counsel. Pilots run checklists with copilots.

But your financial advisor? They’ve had unchecked control over your life’s work for years, maybe decades.

Not because they’re the best.

But because they were just… first.

Loyalty is admirable. But blind loyalty? That can be dangerous.

Don’t you deserve to feel informed and secure about your plan?

If you’ve ever second-guessed a recommendation, wondered if you’re paying too much in taxes, or just felt unsure about your plan, you’re not alone.

Take 60 seconds to check in on where you stand. Our no-cost advisor matching service is a private tool designed to help you assess whether your current advisor is still meeting your needs.

Based on your answers, we’ll introduce you to a fiduciary advisor who can offer a second opinion, without pressure, and without obligation.

 Don’t wait until a market swing or tax change exposes a costly oversight.

👉 Take the matching quiz now. You’ve earned the peace of mind.