Firstly, understand what are your real needs and today, there are 1001 ways to achieve your desired results right from simple insurance needs to legacy planning.
Secondly, understand your own experiences with financial planning and planners. Look for an advisor who could advise you with a suite of advice to deal with today's complex needs.
Lastly, products will always evolve and there will always be a new offer in town that is better than the previous plans. So the first 2 points I mentioned are the more important pointers to consider.
You should not delay as we do not know when disasters strike or when our Maker comes calling. But do not take up a product just because it sounds it is so fantastic at the moment.
I like to tell my clients, manage and implement solutions like there is no tomorrow but plan as if you have another 100 years.
Apr 28, 2017