Financial Planning

Do You Need a Financial Advisor? Maybe Not. But You Might Want One.

There’s a common message in the financial industry that everyone needs an advisor. I don’t believe that.

If you take pleasure in managing your own finances, have the time to remain involved, and possess the discipline to make confident decisions, you will likely be just as successful as someone who hires an advisor. There are plenty of capable, self-directed investors.

In fact, an advised portfolio will almost always be pricier than a self-managed one. And when all things are equal, it’s unlikely to outperform. But all things aren’t always equal.

You've Built Wealth. Now It's Time to Build a Plan.

“I’m 62 years old, and my wife is 57. We both work full time. We have 401(k)s, three investment properties, our residential home, and enough cash to pay off our mortgage. We want to retire in five years. We’ve never worked with a financial advisor but are feeling a bit overwhelmed. We’re hoping to understand how you would approach the matter with us.”

Helping Young Adults With Retirement Investing

I recently read that the average age of a client that works with a financial advisor is 62 years old. That led me to ponder one of biggest dilemmas that investors face in life. When we are young, we lack money and experience. Yet by the time we have accumulated enough money and experience, we are short on time.

As 20th century Irish playwright George Bernard Shaw once quipped, “Youth is the most beautiful thing in this world--and what a pity that it has to be wasted on children!”

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