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FAQ
Why should I hire a financial advisor or planner to manage my money?
- A financial advisor or planner will be able to simplify and connect all of the financial plans in order to provide you with an overall blueprint to meet your financial goals. He or she should have expertise training and experience in all kinds of financial products and financial aspects of your life – equities, bonds, insurance, taxes, and estate planning – in order to make the right recommendations for your personal situation. A advisor or planner can find higher-yielding investment products at little or no extra risk and also save you thousands of Rupees in tax deductions.
How much does a financial planner cost?
- The fees will vary depending on the expertise education and experience level of the financial planner, and how the fees are assessed. In general, a financial planner will charge based on one of two ways: commission or fee-only. If the planner charges based on commission, the amount will usually be a percentage of each transaction or assets under management. If the compensation structure is fee-only, he or she will typically charge an hourly rate or will quote a specified fee for the services provided.
Which certifications should my financial planner have?
- There are a number of different financial planning certifications. While a financial planning professional can have any of several designations or certifications, at the very least you should make sure that he or she is licensed and in good standing with the licensing authority. Three of the most common designations are Certified Financial Planner, Chartered Financial Consultant, and Registered Investment Advisor.
How can I pick a good financial planner?
- Choose a financial planner who has experience dealing with clients in similar circumstances to yours. You'll also want to make sure that the financial planner has your best interests in mind, and that he or she isn't selling you products that are not suited to your needs. Interview prospective financial planners and ask them about credentials, management strategies, and history of performance. Call up past clients as references.
What is the difference between asset allocation and diversification?
- Asset allocation refers to the diversity of your entire savings and investment portfolio across asset classes. Stocks, bonds, cash and real estate are asset classes. Diversification refers to the types of investments held within each class.
How should I vet financial advisors?
- Your plan should be to interview several financial advisors to find one that meets your investment style, has a good track record of returns, is open about his or her fee structure, and discloses any conflicts of interest. During the interview process, ask questions that address these main points. Ask the advisor for references and follow up with them to make sure the advisor is trustworthy.
Financial Planning Quotes That Will Inspire You
Mark Singer
Celso Cukierkorn
Celso Cukierkorn
- “I believe that the biggest mistake that most people make when it comes to their retirement is they do not plan for it. They take the same route as Alice in the story from “Alice in Wonderland,” in which the cat tells Alice that surely, she will get somewhere as long as she walks long enough. It may not be exactly where you wanted to get to, but you certainly get somewhere.”
Celso Cukierkorn
Celso Cukierkorn
Celso Cukierkorn
- “In life’s journey, having the ability to predict the future gives us an unfair advantage. If we can understand the laws of cause and effect, anyone can predict the future. What we do today leads us to tomorrow’s destination. Why does this simple truth seem to be difficult for most people to understand?”
“Remember, buying something is not the problem. The problem comes when we believe, for that moment, that the object we’re buying is going to make us happy.”
Tsh Oxenreider
Celso Cukierkorn
Tsh Oxenreider
- “Debt means enslavement to the past, no matter how much you want to plan well for the future and live according to your own standards today. Unless you’re free from the bondage of paying for your past, you can’t responsibly live in the present and plan for the future.”
Manoj Arora
Thomas J. Stanley
Tsh Oxenreider
- “To achieve what 1% of the world’s population has (Financial Freedom), you must be willing to do what only 1% dare to do. Hard work and perseverance of highest order.”
- “Long term thinking and planning enhances short term decision making. Make sure you have a plan of your life in your hand, and that includes the financial plan and your mission.”
Will Robinson
Thomas J. Stanley
Thomas J. Stanley
- “Financial fitness is not pipe dream or a state of mind it’s a reality if you are willing to pursue it and embrace it.”
Thomas J. Stanley
Thomas J. Stanley
Thomas J. Stanley
- Before you can become a millionaire, you must learn to think like one. You must learn how to motivate yourself to counter fear with courage. Making critical decisions about your career, business, investments and other resources conjures up fear, fear that is part of the process of becoming a financial success.
Pablo Picasso
John L. Beckley
Pablo Picasso
- “Our goals can only be reached through a vehicle of a plan in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.”
Suze Orman
John L. Beckley
Pablo Picasso
- “No one has ever achieved financial fitness with a January resolution that’s abandoned by February.”
John L. Beckley
John L. Beckley
John L. Beckley
- “Most people don’t plan to fail, they fail to plan.”
Robert Kiyosaki
Alan Lakein & Peter Lynch
John L. Beckley
- “It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”
Nancy Levin
Alan Lakein & Peter Lynch
Alan Lakein & Peter Lynch
- “Whether we make our own money or rely on someone else, many of us would rather pretend our financial matters don’t exist. Or we hope they’ll just take care of themselves somehow. My ex-husband was like that. He always said, “I bank by prayer. I go to the ATM and pray that money will come out.”
Alan Lakein & Peter Lynch
Alan Lakein & Peter Lynch
Alan Lakein & Peter Lynch
- “Planning is bringing the future into the present so that you can do something about it now.”
- “Know what you own and know why you own it.”
FAQ
How are financial planners paid?
Financial planners are paid on either a commission or fee basis, or sometimes a combination of the two. Commissions are usually one-time charges based on each product sold or for each transaction. Fees can be based on the percentage of assets under management, an hourly rate, or even a flat fee.
What questions should I ask a financial planner?
First, ask about his or her experience with people in a similar situation to yours. Second, ask about education and certifications. Third, ask about the breadth and depth of products offered. Finally, ask how he or she is compensated for services.
How often should I see my financial planner?
While your financial planner may make a different recommendation based on your particular circumstances, it's a good idea to see him or her once a year. You should also consider making an appointment in anticipation of life-changing events such as marriage, the birth of a child, divorce, or after inheriting a large amount of money.
What is fiduciary responsibility and why is it important?
Fiduciary means to hold a confidence or trust. A financial services industry professional who has a fiduciary responsibility to his or her clients must put a client's needs and interests ahead of his or her own. Certified Financial Planners have a fiduciary responsibility to their clients. While stockbrokers and insurance agents are regulated and licensed, they do not have a fiduciary responsibility to their clients. The recommendations they make must only meet the "suitability standard." In other words, the risk level of the product must be suitable for the client based on income, assets, risk tolerance or another standard that is specified in the prospectus. Advisors with a fiduciary responsibility are less likely to push products that earn them a quick buck.
FAQ
Where can I find a financial advisor who has no ties to any companies who push for selling products?
A Certified Financial Planner has a fiduciary responsibility to put your needs and interests above his or her own. While a CFP may profit from a product that is recommended to you, it is unethical for a CFP to recommend a product that is not in your best interest. Hiring a strictly fee-based (as opposed to commission-based) advisor is also a good choice if you're concerned about the advisor pushing products.
What are the best financial management companies?
The key to successful financial planning is finding an honest and knowledgeable financial advisor that has you interests at heart. Any financial management company can potentially employ such an advisor. It's great to side with a company that has a good track record of customer support, positive returns, and open fee structure, but don't focus on this too much. Focus on finding an excellent advisor above all else.
What is involved in financial planning?
Financial planning looks at a person's overall financial picture. A financial planner will often ask a prospective client to fill out an extensive questionnaire in order to understand his or her financial needs and goals. The planner will usually put together a detailed, short-term 5-year plan designed to improve the client's overall financial position. That may be followed by a long-term plan, along with suggestions about how to save and invest for retirement and a child's college education at the same time. The planner will also look at ways to reduce current and future tax liabilities and protect assets by having the proper life, health, disability and long-term care insurance coverage in place. Finally, he or she may offer suggestions on estate planning.
What is a time horizon?
Time horizon refers to the amount of time a person has to save for a particular event. For example, the time horizon for a college savings account might be 10 years for the parents of an eight-year old child, but 15 years for the parents of a three-year old. Likewise, the time horizon for a 30-year old saving for retirement might be 35 years, whereas it might be 15 years for a 60-year old who started saving late in life.
What's the difference between financial planning and retirement planning?
Financial planning covers all aspects of a person's financial well-being. This includes savings, investments, retirement and college savings plans, insurance coverage, and estate planning. Retirement planning covers only investments made for retirement.
