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We’ve all heard the stories from friends and coworkers about terrible decisions they (or people they know) have made with their investments.
更糟糕的是, many were led to those decisions by financial “professionals” whose advice they trusted and followed.
Which can be extremely frustrating when trying to make sound decisions.
That’s why we created this guide.
The more 你 know about successfully choosing an advisor, the better chance 你 have of navigating retirement and the big financial events in 你r life with confidence.
The term financial advisor is often shrouded in mystery or confusion with the many different types of “advisors” claiming the title.
But let’s keep it simple: Financial Advisors are best explained as professionals who help 你 manage 你r financial life from investment choices and retirement vehicles, to life events and estate planning.
看到,?
I didn’t just say manage 你r investments or sell insurance or annuities.
Those are products or “tools” an advisor may use in executing 你r plan, but the real qualification is someone who can help 你 plan for 你r future, guide 你 to those goals, and help 你 make the right decisions for 你r situation.
But where it gets tricky is that many people claim the title but don’t operate under any standard operational procedures. Unlike how a Medical Doctor has to go through years of training and education to claim the title, some advisors can get a license and start practicing the next day…
让人困惑? 是的，它可以是.
That’s why I want to arm 你 with the following 5 topics.
请注意: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Ironwood is engaged, or continues to be engaged, to provide investment advisory services.
We met an older lady who was interviewing another financial advisor and was impressed with his presentation and seriously considering hiring him. He had told her he had 11 years of experience, all satisfied customers, and was even going to manage her money for free since she was a friend of his mom.
Since she was a trusting person, she didn’t do any research and simply hired him based on what he said and the fact that he worked for a name brand firm.
Thankfully, her son was receiving copies of her statements and was monitoring her account. After a couple of months of the account going down, he became suspicious.
He did the research….
I might be fearful before going under, but the last thing I would want to worry about is whether or not I trusted their skills…
请注意: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Ironwood is engaged, or continues to be engaged, to provide investment advisory services.
请注意: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Ironwood is engaged, or continues to be engaged, to provide investment advisory services.
Unfortunately, the client didn’t ask was what brand of products the bank would invest their money in. The bank put all of their money into proprietary products owned and managed by the bank. A couple years later, the client wondered why his performance was lacking and realized that the bank hadn’t picked what they thought was best or even investments with the best track record, but rather what would make the bank the most profit.
This person’s theory was that…
You’re about to retire and 你r 401(k) and other investments have grown over the years to where 你 think 你’ll have enough to retire comfortably.
You’ve talked to a few friends who have retired recently and they’re telling 你 great things about the financial advisors they hired to help them manage their funds in retirement…
请注意: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Ironwood is engaged, or continues to be engaged, to provide investment advisory services.
请注意: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Ironwood is engaged, or continues to be engaged, to provide investment advisory services.
It seems like everyone these days is calling himself a financial advisor.
There’s everything from bloggers talking about retiring early by writing a blog to insurance agents calling themselves full financial planners.
Probably the most common thing we run into is an advisor who recommends almost nothing but annuities but calls himself a financial planner other than an insurance agent.
现在的问题是, if 你 don’t know how to tell them apart, it’s hard to know which ones to seek out and which ones to avoid.
Now that 你’ve gone through the series 你 should know more about what kind of advisors are out there, what types to avoid (in our opinion), and what research and questions are going to help 你 make a wise decision for 你r future.
We believe that the best situation is for 你 to be educated on what to look for before 你 just “trust” someone to do the right thing.
In today’s day and age, it’s more important than ever to be diligent about 你r choice whether 你 need one or not.
If 你 need further help, feel free to reach out. We’d be glad to take 你r call and point 你 in the right direction whether it’s 与我们合作 or choosing someone else.
最后, as long as 你 reach 你r objectives and approach retirement with confidence we’ll be satisfied.
Thanks for reading,
亚历克斯·帕尔
铁木金融
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