Don't Hire a Financial Advisor Until You Ask These 6 Questions | Jonathan Wellum

Feb 23, 2026

Jonathan Wellum, a financial advisor and investment expert, shares six must-ask questions before hiring someone to manage your money. He covers fiduciary duty and conflicts, hidden and all-in fees, investment philosophy and portfolio construction, credentials to verify, in-house products versus peer options, and communication expectations.

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ADVICE

Confirm Investment Philosophy Fits You

Ask an advisor to explain their investment philosophy and how they construct portfolios.
Jonathan Wellum lists styles like value or momentum and says the style must fit you and your goals to avoid mismatch.

ADVICE

Ensure They Are Fiduciaries Always

Verify the advisor is a fiduciary who puts you first and not the firm’s in-house product incentives.
Wellum warns to compare in-house products against peers so you can see if recommendations are genuinely best-in-class.

ADVICE

Get The Full All‑In Cost Breakdown

Ask for full transparency on all fees including management fees and embedded fund operating expenses.
Wellum notes costs can be buried in product paperwork so request an all-in annual cost summary.

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💡Not sure your advisor checks all 6 boxes? Get a free portfolio review with Jonathan Wellum or another of Wealthion's endorsed financial advisors at https://bit.ly/4axS0kr

You Asked. Jonathan Wellum Answers.

In this quick seven-minute video, Rocklinc's Jonathan Wellum shares his six non-negotiable questions every investor must ask before handing over their portfolio to a financial advisor. From uncovering hidden fund expenses and ensuring true fiduciary loyalty to securing comprehensive tax and retirement planning, this checklist will protect your hard-earned money. Watch now to ensure your advisor is actually putting your financial future first.

💡Get To Know Jonathan Wellum: https://youtu.be/ezMiX0FtZ7g

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