Are They Really a Fiduciary? ASK THESE QUESTIONS!
The Department of Labor provides a great, short and sweet "Fiduciary Guide" on their website. You can find the PDF version attached below, or view in your browser at: https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/fact-sheets/a-fiduciary-guide-for-individual-consumers.pdf
In short, this document is filled with questions to ask your financial advisor. Their answers will allow you to fully understand their duty to you – to find whether or not they're truly working in your best interest as a client or are conflicted by some sort of financial compensation.
It's YOUR money. Protect it!