# How to Tell If Your Financial Advisor Is Actually Planning or Just Managing Your Money

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Text version: https://stenobird.com/podcast/how-to-retire-on-time-6974466/how-to-tell-if-your-financial-advisor-is-actually-planning-or-just-managing-your-money.md
Podcast: [How to Retire on Time](https://stenobird.com/podcast/how-to-retire-on-time-6974466)
Published: 2026-08-07T12:00:00+00:00
Episode link: https://share.transistor.fm/s/e46b3dd3
Audio file: https://media.transistor.fm/e46b3dd3/6d769960.mp3
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Duration seconds: 730

## Resource

There's a simple test that separates a real financial planner from someone just collecting a fee to watch your portfolio. Mike lays it out, plus the one line that sums up his entire philosophy on retirement risk. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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## Transcript

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