<prompt> Human: My buddy is 23. A relative of his passed away and left him a substantial sum. Wisely, he has decided to invest it and mostly not touch it for a while.I want to make sure his advisor is legit. What are some questions he can ask the guy to understand the situation better? Is this a typical service offered by most banks? Does the guy collect a commission based on products sold or is it a fee paid by the bank?Thanks yall.Assistant: Ask for a fiduciary pledge in writing. Ask if they are directly compensated by the products and services they sell i.e. commissions. Ask for their fee disclosure.Human: I will certainly advise that he do this. For some reason, he seems averse to asking these questions, as if it would harm his relationship with the guy.  <response>: Your friends mindset is fairly common. He may feel awkward asking these questions for fear of lacking the knowledge to understand or probe the answers that he receives. Have him admit when he doesnt understand an answer during the conversation and get further explanation or just take notes and research it later. The relationship he has with his advisor is a professional one. He needs to remember that he is paying for a service. As such doing due diligence is perfectly reasonable and a reputable professional would not take it personally and it wouldnt hurt the relationship. 