A savvy investor understands that the journey to a comfortable retirement isn't a solitary endeavor. A competent guide, like a fee-only retirement planner, often proves instrumental in navigating the complex terrain of investments, tax planning, and long-term financial strategies. However, it's not just about hiring any retirement planner; it’s about choosing the right one who aligns seamlessly with your financial goals and circumstances. This decision warrants a prudent evaluation, fueled by an array of insightful questions that will facilitate an informed choice.

To begin with, let's understand the term 'fee-only retirement planner.' These are financial professionals who are compensated solely by the client, eschewing commissions or rewards for recommending specific products or services. This compensation structure is designed to mitigate conflicts of interest and align the planner's advice with the client’s interests.

Now, let's delve into the plethora of questions that will help you make an informed decision:

• "What is your educational background and professional experience?"
• "Are you a fiduciary?"
• "What is your approach to financial planning?"
• "How do you charge for your services?"
• "Can you provide references?"
• "How often will we communicate, and how will my plan be monitored?"

The applicability of these questions is deeply rooted in the principles of behavioral economics, as they acknowledge the fact that humans are predictably irrational when it comes to financial decision-making. A retirement planner's role is to bridge this gap and facilitate more rational and informed financial decisions.

Remember, fee-only retirement planners are not a one-size-fits-all solution. Their expertise varies, and their approaches differ, much like the facets of chaos theory in which small changes in initial conditions can result in vastly different outcomes. Therefore, choosing the right planner involves not just assessing their qualifications and experience, but also understanding how their approach to financial planning resonates with your financial targets and risk tolerance.

The retirement planning process is akin to a complex algorithm with several variables – your income, assets, liabilities, risk tolerance, and retirement goals. A competent fee-only retirement planner serves as the algorithm's architect, designing a financial roadmap that steers you towards your desired retirement outcome. Yet, it's essential to understand that the planner is merely a facilitator in this process. The ultimate responsibility for your financial well-being rests on your shoulders. Therefore, it's imperative to approach this decision with the due diligence it deserves.

In conclusion, selecting a fee-only retirement planner is a strategic process that demands attention and discernment. The right questions, coupled with an understanding of your financial goals and circumstances, will help you make an informed decision, setting you on the path to a secure, fulfilling retirement.