How do I know if a FinTok creator is giving credible advice?

Look for demonstrated credentials — CPA, CFA®, or the CFP® certification — and consistent disclosures about sponsorships or conflicts of interest. Trustworthy creators acknowledge the limitations of their advice and regularly encourage viewers to consult a licensed professional for their specific situation. Be cautious of creators who present complex financial decisions as universally applicable or imply consistent, specific returns.