What Can A Financial Advisor Do For You?

• Helps you determine realistic goals.
• Asks questions in order to understand your needs and objectives.
• Formalizes your goals and puts them in writing for you.
• Studies possible alternatives that could meet your goals.
• Helps you prioritize your financial opportunities.
• Helps organize your financial situation.
• Helps you determine where you are at present.
• Guides you to review aspects of your financial life you may not have considered.
• Prepares a financial plan.
• Makes specific recommendations to help you meet your goals.
• Implements the recommendations.
• Suggests creative alternatives that you may not have considered.
• Reviews and recommends life insurance policies to protect your family.
• Discusses the risks of nursing home expenses and reviews long term care insurance as an option.
• Coordinates your estate plan with your attorney.
• Reviews your children's custodial accounts and 529 college savings plans.
• Helps you determine your IRA required minimum distribution.
• Persuades you to do the things you know you ought to do, even if you don't feel like doing them.
• Review your current portfolio to see if you are invested consistent with your goals and risk tolerance.
• Prepares an asset allocation for you so you can achieve the best rate of return for a given level of risk.
• Makes specific investment recommendations for your portfolio.
• Helps you consolidate and simplify your investments.
• Stays up to date on changes in the investment world.
• Monitors your investments & reports detailed performance to you.
• Provides ongoing due diligence on available investment alternatives.
• Reviews your investments in your company 401(k) or 403(b) plans.
• Reviews and revises portfolios as conditions change.
• Guides you through difficult periods in the stock market by sharing historical perspective.
• Helps you evaluate the differences in risk levels between various fixed-income investments.
• Helps handle exchanges, tenders, and special stock dividends.
• Holds and warehouses stocks, bonds, and other securities.
• Records and researches your cost basis on securities.
• Provides you with unbiased investment research.
• Shows you how to access your statements and other information online.
• Suggests alternatives to lower your taxes during retirement.
• Reviews your tax returns with an eye to possible savings in the future.
• Stays up to date on tax law changes.
• Repositions investments to take full advantage of tax law provisions.
• Works closely with your accountant to understand your tax situation.
• Monitors changes in your life and family situation.
• Proactively keeps in touch with you.
• Remains only a telephone call away to answer financial questions for you.
• Makes sure that he and his firm provide excellent service at all times.
• Provides referrals to other professionals, such as accountants and attorneys.
• Refers you to banking establishments for loan and trust alternatives.
• Suggests alternatives to increase your income during retirement.
• Shares the experience of dozens or hundreds of his clients who have faced circumstances similar to yours.
• Helps educate your children and grandchildren about investments and financial concepts.
• Helps with the continuity of your family's financial plan through generations.
• Facilitates the transfer of investments to fund your living trust.
• Works closely with your executor in the event of your death.
• Identifies your savings shortfalls. 
• Develops and monitors a strategy for debt reduction.
• Educates you on retirement issues.
• Educates you on estate planning issues.
• Educates you on college savings and financial aid options.
• Is a wise sounding board for ideas you are considering.
• Is honest with you.
• Keeps you on track.

Is someone you can trust for advice in all of your financial matters.