Of all
the investment decisions you'll ever make, the most important one
might be to put an independent financial planner on your
side.
An
Independent Financial Planner makes it his or her business to learn
who you are, where you are with your investment program and where
you want to go.
Retirement
Planning
Enhancing your after tax return
opportunities.
Planning for your parent's financial needs in
later years.
Funding your children's
education
Your Independent Financial Planner can help you create a long
term investment plan that fits both your objectives and your budget
requirements . . . right down to how much you'll likely need to
invest per month to reach your goal.
An
independent financial planner helps you reallocate your portfolio to
meet changing needs.Your independent financial will...
learn
your objectives, time horizon and risk tolerance.
offer fund
recommendations tailored to your individual needs.
inform you
whenever there's a change in the fund's management style or
objective.
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1. An Independent Financial Planner
. . .
may help you
increase your investment results. A 10 1/2 year study of investments
made over 5,000 Mutual Funds conducted by DALBAR Financial Services
(ending May 31, 1995) illustrates why. Investors who used an
Independent Financial Planner outperformed those who didn't by over
17% in their equity fund investments and approximately 21% in their
fixed income fund investment.
2. An Independent Financial Planner . . .
analyzes how
changing conditions affect you. Financial publications like to show
lists of hot funds to buy now. But those recommendations change
frequently. Whose list should you believe?
With a professional on
your side, you can gain an understanding of how changing economic
and market conditions affect your particular situation. So when you
do make a change in your investment portfolio, there's a logical
reason behind it.
Which would you prefer? The personalized
services of an Independent Financial Planner who you know and trust?
Or generalized information from a journalist?
3. An
Independent Financial Planner . . . takes the time to understand you and your goals. An
Independent Financial Planner makes it his or her business to learn
who you are, where you are with your investment program and where
you want to go. From this "getting to know you" process, your
planner can offer customized strategies for retirement planning,
increasing after tax yields, funding your childrens education, and
planning for your parents financial needs in their later
years.
4. An
Independent Financial Planner . . . helps make investing more convenient.
What does it take to develop a personalized investment program,
monitor your investments, and keep track of all the paperwork, too?
More time than your busy schedule may
allow.
Your Independent
Financial Planner offers a professional approach to your customized
investment program that may not demand a lot of work or time on your
part... and a level of knowledge and expertise that may be difficult
for you to achieve on your own.
5. An Independent Financial
Planner . . . can recommend funds that fit your needs. Mutual Funds offer
professional management, diversification and liquidity. But how do
you choose among the over 10,000 funds. Your Independent Financial
Planner can help you see how well a fund's objectives, track record
and management style match your specific needs and goals. You owe it
to yourself not to overlook any potential fund opportunities. Your
Independent Financial Planner can help you make your investment
decision an informed one.
6. An Independent Financial Planner . .
. works to deliver information while
it's still timely. By the time important investment news reaches the
financial media, it may lose its value for the average
investor.
An Independent Financial Planner can let you know about
an opportunity while it still is an opportunity. That's because
they're supported by a team of analysts who have access to the
latest research data. When you choose an Independent Financial
Planner, you put a team of investment professionals on your side.
The team: your consultant's broker/dealer. They offer ongoing
research capability and advice.
7. An Independent Financial Planner . . .
helps you decide how to
allocate your assets. Owning just one fund isn't always the best
strategy. Diversifying your investment among a number of different
funds can reduce overall risk.
Two funds? Five funds? What
percentage of your investable dollars do you put in income funds? In
equity funds? Money market funds? In domestic versus international
funds?
8. An Independent Financial Planner can make
recommendations on a completely independent basis.
What difference does independence make? An Independent
Financial Planner can offer a myriad of investment options from a
wide variety of world class money managers. A Financial Planner is
only truly independent if his or her firm does not offer any
proprietary products; and the firm is not owned or controlled by a
financial services company that produces insurance or investment
products. This independence means that the recommendations made by
your Financial Planner will be without any undue influence that can
occur with planners who act on behalf a product
supplier.
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