I just retired at 64. My husband is 73 and starting to have health problems. We need a financial plan and to figure out what to do with Social Security. What’s our move?

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Request: I need a trusted financial planner. I recently retired at 64. My husband is 73 and starting to have health problems, and I have no idea what to do regarding finances and social security etc. Who should I look to to help me navigate this? (Also looking for a financial advisor? This tool can help match you with an advisor who might meet your needs.)

Reply: It’s great that you already know you need a trust planner, as a trustee is required by law to defend the best interests of their clients. This means they won’t sell products or earn a commission on something that doesn’t benefit the customer.

To find one, look for a fee-only advisor and consider a registered investment advisor or certified financial planner. Use a resource like the National Association of Personal Financial Advisors to look for fee-only advisors, recommends certified financial planner Joe Favorito of Landmark Wealth Management. Other commercials you can watch include Garrett Planning Network and XY Planning Network. (Looking for a financial advisor? This tool can help match you with an advisor who might meet your needs.)

Just finding a trustee is not enough. You also want someone who specializes in retirees, says certified financial planner Philip Mock of 1522 Financial. That person can help you with your investment options, withdrawal strategy, cash flow, Social Security and Medicare questions, and more.

Are you having problems with your financial advisor or are you looking for a new one? Email picks@marketwatch.com.

The counselor you choose should gather information about you and your situation such as your cash flow, debts, checking accounts, and any goals you and your husband both have. “If agreed, they can help paper accounts, handle transfers, and strategize,” says certified financial planner Ted Halpern of Halpern Financial. Based on your specific situation, Halpern says a cash flow review along with any debt should be the first step. “Then, the counselor can help you with a plan to optimize Social Security for you as it relates to your husband’s benefits as well,” says Halpern.

To find out what kind of experience your advisor has, ask him about the types of clients he works with and if he has anyone with a similar situation to you. Then, you can ask to speak to their references and get a first-hand account of their experience working with that consultant. (Looking for a financial advisor? This tool can help match you with an advisor who might meet your needs.)

Other things you may want to consider are long-term care insurance, as well as tax and estate planning. “A true paid consultant cannot sell insurance but can refer a specialist. Likewise, they would be able to refer you to other support your situation may require, such as a CPA or real estate attorney,” says Halpern.

Adds certified financial planner Philip Mock of 1522 Financial: “Since your husband also has some health issues, I would recommend that you also seek out an estate planning attorney. It’s a specialized field, so it shouldn’t be handled by a general lawyer. A comprehensive estate plan would potentially include a will, trust, financial powers of attorney, medical advance directives, and more. An attorney will walk you through which of these documents are appropriate for your subpoena and help you draft an estate plan that meets your needs,” says Mock.

Are you having problems with your financial advisor or are you looking for a new one? Email picks@marketwatch.com.

The advice, recommendations or rankings expressed in this article are those of MarketWatch Picks and have not been reviewed or approved by our trading partners.

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