Not all financial advisors are created equal. Many say they specialize in retirement planning, but only a select few have the tools or training required to make them a true retirement Income Specialist. Does your current advisor fall into this elite category? Here are ten signs to help you identify a true Income Specialist:

1. They listen to your concerns
Income Specialists know that as you approach retirement, there is a very important shift you need to make that involves transitioning your investment focus from growth — or capital appreciation — to income first, growth second. Failure to make this shift is often the reason people fall short of their long-term financial goals.