When talking to many of my new clients, one of their biggest hesitations to work with me
is that they already have a “Financial Advisor.” However, after really talking to them and
going over their situation with them, they realize they don’t have a financial advisor they
have a ‘Investment Junkie’. The only thing their advisor is helping them with is investing
in the stock market and mutual funds. They use the one size fits all approach. This should
be criminal! Everyone has different needs and a different situation. Plus, while yes,
investing is an important piece of the puzzle, financial advising is so much more than this!
“[Financial advising is]helping people learn how to spend, save, invest, insure,
and plan wisely for the future, to achieve financial independence.” -Loren Dutton

1. Your advisor should teach you about your spending and saving! You both need to be
aware of your spending habits so together, you can craft a plan that is best suited for
you. They should be able to help you find money that you are spending, needlessly.
Additionally, they should help you put money away for savings. An emergency fund is an
important piece of being financially secure.

2. Your advisor should invest for the future! Your advisor should help you reach your
retirement goals. No one wants to be forced to work their entire lives. Investing is one of
the best ways to make your retirement dreams come true.
They should be helping you put money away for your future. Please make sure, they are
really talking to you and investing in the right places. They should not be using the ‘one
size fits all’ method, but rather what is best for you in your unique situation and risk
tolerance.

3. Your advisor should insure you! The world is full of surprises, no one is guaranteed
tomorrow. Insurance is an important piece of your financial puzzle. You should have
both life and disability insurance to guarantee you and your family’s financial security.

4. Your advisor should help you plan! The first thing any advisor should do when they sit
down with you is get a picture perfect image of where you are right now and what your
goals are for the future. How can your advisor guide you if they don’t know what you
have or what your goals are?
Contact my office today for your free, no obligation review!