Everyone Needs an Investment Adviser

Looking after your financial future is a challenging task for any individual. This challenge has grown over the years; New Investment choices are developing daily, tax rules are changing. With the rise of technology it is easier to invest anywhere in the world. This freedom to choose has come with a price, the need for increased decision-making and knowledge. Using an investment adviser to assist you brings two very important benefits: Convenience and expert investment advice.

The Benefits of Professional Investment Advice

Many investors who have the expertise to manage their own investments choose full-service investment advisers because of the convenience. They simply don’t have the time or inclination to be self-service investors. In any case, an investment adviser monitors the markets for you and, being familiar with your situation, can quickly recommend changes in your investment program in response to changes in either the markets or your personal circumstances. A skilled and experienced adviser will guide you through the the sometime rough waters of the investment world

Finding  an Adviser Who’s Right For You

In dealing with an investment adviser, you should:

  • Expect the highest levels of fairness, integrity and honesty.
  • Feel comfortable with your adviser’s approach and methods of operation.
  • Take the time to interview several advisers and establish their qualifications, expertise and investment philosophies.

Once  an investment adviser has been selected , the next step you should take is to work out a financial plan to fit your own particular situation every individuals plan will be different. In creating the plan the adviser will be asking you a  series of questions. This will allow the adviser to first establish your personal investment philosophy before suggesting individual investments. This analysis will uncover the following:

  • Your risk  tolerance
  • Your time horizon for investing
  • How much  day-to-day involvement that you normally wish to take in monitoring  your investments

Every investor should have their own  philosophy of investing and set of financial goals. Investments should not be suggested before your financial profile is completed. Finally, your investment goals should be established:

  • What do you want to use your invested money for?
  • How much money do you think you will need, Calculated in today’s dollars?
  • How much money do you need to save each year in order to accumulate what you need?

Once these questions have been answered and a financial plan developed  you will be ready to develop an investment portfolio suited to your needs.


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