Benefits of Using a Financial Professional

Why work with a Financial Professional?

It is said that advice is the only commodity where supply always exceeds demand, and this has never been as true as it is today.

Modern-day investors are bombarded by unsolicited (and often contradictory) investment advice from the Internet and TV, friends and relatives; with all this information, most find it difficult to discern which advice is best for their particular situation.

That's why you should consider working with a professional financial advisor- you can not only get advice that fits your individual needs, but you can also get helpĀ implementing a plan.

Some FAQ's about Working with a Financial Professional

Shouldn't I be able to do my financial planning myself?

There is plenty of information available about investing and financial planning; it may be outdated or incorrect. Most financial professionals have access to accurate, up-to-the-minute information, ensuring your investment decisions are based on fact, not fiction.

Another trap in the "do-it-yourself" concept is time. To keep on top of the ever-changing world of investments is a full-time job, and chances are you don't need another one of those.

Isn't working with a financial professional just for "older people"?
Time is perhaps the greatest asset on an investor's side, as market volatility tends to decrease over the long-term, and investment "tools" like compounding or tax deferral take time to make an impact. While it is never too late to get started, there is definitely an advantage to initiating a plan as soon as possible.

Isn't working with a financial professional only for the wealthy?
A main purpose of financial planning is to help create wealth, so that financial goals can be achieved; a financial professional can help make those efforts easier and more effective.

Won't I lose control of my money if I work with a financial professional?
When working with an investment representative, you will still be the one making decisions; with a representative's input, those decisions will be better informed. A financial professional can also help you see options that might not otherwise be evident, and to gauge the effect of your decisions on other aspects of your financial plan.

Once I have a financial plan, can I just "set it and forget it"?
Your financial plan can be affected by lifestyle changes such as a marriage, divorce or birth of a child, and by external factors such as changes in the tax laws or economic environment. By monitoring your plan, your financial professional can help keep you on track, and can periodically measure your progress.

Important Reasons to Consider Working with a Financial Professional.


Because your relationship with your financial professional is a professional one, he or she can provide honest, realistic advice based on experience, and free of bias. Even if you have done some of your own financial planning, a financial professional can provide a useful second opinion.

Technical Expertise

Some areas of financial planning are quite complex; by working with an experienced financial professional, you can avoid potentially costly planning mistakes.

Product Knowledge

A financial professional will be able to help you choose which of the many investment alternatives available would be best, given your goals and risk tolerance.


When you have a financial professional, you know whom to call when you have a question, whether on an existing account or an investment about which you want to know more. By meeting periodically with your financial professional to review your plan, you can make the most of your financial resources, and make progress towards achieving your own future financial security.

For more information about how to choose a financial professional, please see the guidelines, used with permission of the Forum for Investor Advice.

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck