As a 76-year-old US citizen living overseas with $11,000 in Social Security and $450,000 in liquid assets, the individual is considering hiring a financial adviser for a one-time consultation [3966394f]. The person estimates their life expectancy to be about 15 more years. Issues to consider with a financial adviser include taxes, opening accounts overseas, maintaining accounts in the US, applying for mortgages overseas, estate planning, writing rules for beneficiaries, projecting financial preparedness for future years, tax optimization, and estate planning while living in another country [3966394f]. The cost of a one-time consultation with a financial adviser can vary, with fees ranging from $1,500 to $10,000 for a flat rate financial plan or hourly fees ranging from $200 to $500 [3966394f]. It is important to find a financial adviser experienced in working with expats living overseas and willing to work on a one-time consultative basis [3966394f]. It is also important to provide accounting for the cost of living, including future considerations such as healthcare needs and long-term care options [3966394f]. The biggest question for retired clients is how long their money will last, and a financial adviser can help create a custom financial plan to provide clarity and suggestions for improving results [3966394f]. It is recommended to find a fee-only planner for a one-time consultation and consider resources such as NAPFA, the Financial Planning Association (FPA), and the CFP Board's Let's Make a Plan site [3966394f]. The cost of working with a financial adviser will depend on the depth of the financial plan, and many planners offer a free initial consultation to determine how they can help and the associated cost [3966394f].