Once you've asked all your questions and chosen a financial professional, expect to have the tables turned. It will be your turn to answer questions. Your financial professional will need information about your stage of life and your financial goals, whether saving for a child's education or planning for retirement. You'll also need to be clear about your tolerance for risk, current financial situation, current and ongoing family responsibilities, retirement goals and other important financial issues.

Remember, it's your financial strategy and your financial future.

Plan to meet on a regularly scheduled basis with your financial professional to review your insurance and investments, the market and any changes in your financial goals. If you experience a major life event -- such as the birth of a child or the death of a spouse -- arrange for a special meeting with your financial professional. You will want to feel comfortable about your strategy to meet your financial needs and objectives every step of the way.