By Paul Morrone CFP®, CPA, MSA
You’ve sat with your advisor dozens of times, hopefully to review your plan and discuss whether you’re still on track to meet your goals. While it’s good to know that he or she is keeping a watchful eye over your portfolio and progress toward your plan benchmarks, there is a bigger picture item that is often unaddressed between advisor and client. One of the questions that you may not have asked (but probably have thought about) is talking to your advisor about what happens to you, your assets and your plan if something happens to them. Depending upon the structure of your advisor’s practice, this question may come with some answers that may be very disheartening.