Broker Check

What a Financial Advisor Does (For You)

Client Centered

Every few years (represented by the dots on the arrows above) you will need to make an important investment, insurance, or financial planning decision that affects your and your family’s life.

It’s difficult to make the correct decision on the first try every time.

That may cost you. 

Examples of financial questions you may face during your financial journey:

  • Am I “on track” to have enough to retire?
  • How much life insurance does my family need now?
  • Is the insurance from my employer enough?
  • What options do I have to fund my child’s education?
  • How can I invest so I don’t feel like I’m on a roller coaster?
  • Can I get one plan that includes all aspects of my financial life?
  • What is long-term care? How can I help my parents and my family manage it?
  • When I change jobs should I move my retirement account? How?
  • How do I make the transition from work income to retirement income?
  • When I have a question about anything financial, who can I call?
  • . . . and more

Did you miss some decisions and opportunities because no one alerted you, help you?

The long periods between each decision (dot) can be your ally or your enemy, moving you toward your financial goals or costing you because you may be veering off-track.

Do you even have a track (a plan)?  If you don’t know your projected Financial Independence Day, you don’t have a plan—because if you had a plan, you would know this day.  Your Financial Independence Day is the day you’ve invested and saved enough during your working years to work if you want to, but not because you have to.

If you have a plan, you know the amount you are deducting from your pay is the amount you need to achieve your projected goal.  Without a plan, you may be working for years or decades having pay deducted from your paycheck aimlessly.  Is it enough?  You may never know until it’s too late.

It doesn’t have to be that way.

Client Centered

“Advisor”:  Is it just a title?

Well, it’s a title many life insurance agents, financial planners, investment brokers, CPAs, and others have used.  That’s one source of the confusion about what a financial advisor does—so many people in so many different financial services businesses have used the term, the term has lost its meaning.

That’s changing on June 30, 2020.  After that date, according to new Securities and Exchange Commission (SEC) rules, only individuals who have passed certain securities registration exams may use the term “advisor”.  If your current “advisor” stops using the title “advisor” after June 30th, they are not an advisor.  That’s a sign you may lack financial advice in all three areas which affect your financial life; planning, investments, and insurance.

You could hire two or three financial representatives to cover all three areas, but why would you?

One advisor, a single point of contact, can understand the unique holistic You, simplifying your life.

He or she has the knowledge and experience and has been through the same decisions you will encounter many times before with other clients, so you won’t make first-timer mistakes.

Let your advisor’s experience and knowledge be your advantage

One advisor who provides you with 360 degrees of advice.

That’s what a financial advisor does (for you).

Do you need one?

Contact Us

Thank you! Oops!