Invest Wisely

You’re Losing Money If You Don’t Have A Personal Financial Planner

by Megan Roth5 min read

Most of us spend money on a wide variety of services, but we often try to handle financial planning on our own. We’ve accumulated some assets over out lifetime, but with today’s low interest rates it’s pretty hard to make money on traditional savings products. Add to that a complicated tax code, major tax reforms we’re about to face with the new administration, multiple retirement products such as 401K’s, IRA’s, Roth IRA’s and Social Security planing.  All these components makes it pretty easy to get lost in the intricacies of the financial world.


If managing money isn’t your expertise, as in all aspects of life, let a professional handle it. You don’t have to be a millionaire to benefit from all of the resources they can provide. Anyone with a few assets and financial goals should take advantage of all that a planner can do for you to improve your life today and in the future. You’ll be surprised how affordable a financial advisor can be, and in the long run you’ll probably end up saving thousands to hundreds of thousands.



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Make Good Financial Decisions

A financial planner will look at your financial status and your goals to help you create a plan you can live with. They will guide you into making good decisions that are based on smart choices and facts rather than emotion. This is an important job for a planner because people have a tendency to get emotional about their money and how they want to spend it.


Trust Experience and Knowledge

Because the planner has spent time studying finance and financial decisions, they know what works and what doesn’t. They’ve seen the results of previous decisions and can warn you about what’s ahead. Their job is to help you focus on what’s important in your life. They know when interest rates are low that it’s hard to make money on standard savings so they provide recommendations which get results.


Personal Service Tailored to Your Needs

You will find investment products that are flexible and tailored to your needs when you work with a financial planner. You can call on them anytime to help with decisions. Since there are so many investment products out there, it can be hard to choose the right one. Instead of doing nothing, a planner will help you make the best choices while navigating a complex tax environment.


Focus on Important Goals

When you hire a financial planner, they don’t just sit in the background. They actually work on your finances. This allows you to focus on other aspects of your life. You can spend more time with your family and friends, enjoying life instead of spending time dealing with financial issues.


A financial planner can take charge of some of your financial tasks. Not only does this help ensure you are moving in the right direction, but it gives you more free time. Dealing with finances is a tedious but necessary part of life, but that doesn’t mean you must do it all.


Protect Your Future

There are a lot of decisions to be made when it comes to finances. The average person isn’t an expert and can make the wrong choices. A financial planner can help you protect your future by advising you on those decisions. It may be to choose the right life insurance products. It may be that you need help with your budget and how to save and spend money. They will help you build a strategy for times when the markets are down and provide for liquid funds when you need them.


A financial planner not only improves your life today, but they can help you make plans for retirement. They ensure you’re saving towards tomorrow and choosing the right options. They can help you build a portfolio that will provide a return to help you live comfortably when you’re no longer bringing in an income. This person also works with you to ensure your family’s future through savings programs and other products.


Be Accountable

People have a tendency to behave better if they have to report to someone. They don’t want to face a person and say “I screwed up.” When faced with a decision, they will remember that they have to report to someone, which can make them take the right path.


A financial planner is like an accountability partner. They are watching over your shoulder to make sure you choose the right decisions and don’t mess up your plan. This is not a negative trait, but a positive path to reaching your goals. They will encourage you to make solid choices about your finances. Perhaps it is to save up more money for a down payment on your house or to pay off certain debt. Maybe they guide you in making better investment decisions. A financial planner will continually check up on you to ensure you’re making progress towards your goals.


Another job of the financial planner is to help you find the best product when you want to buy a home. They can find the best rates and assist you in the many decisions behind this transaction. They look at the big picture and not just at what you want now.


Hiring a financial planner is a smart choice if you want your personal wealth to grow over time and your financial decisions to be sound.


Get a tailor made offer from a financial planner, no commitment

Over 95,759 people have gotten an offer from a financial planner

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