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Investment Management

Investment management is the professional management of your assets by a highly trained, certified, and competent financial planner, to meet specified investment goals on your behalf.

In managing day to day finances, you should also have retirement goals in mind.  Some of us are lucky enough to have a valuable financial planning tool at our disposal, a 401k plan. 

Most people set it up without actually understanding how to direct their assets. 

There is a choice of different assets classes, an array of investment tools, and data for you to interpolate. A 401k plan is a qualified investment similar to a Keogh, IRA, SEP, Defined Benefit plan. 

And what about your non-qualified plans; individual, trust, transfer on death, joint rights of survivorship. 

Do you understand the differences between all these accounts?

Investment accounts of all types come with fees and costs to you.  There are commissions, investment management fees, broker/dealer fees, and there can also be taxable events. 

But how do you find a good financial planner?  First of all, you will want to identify what it is you are looking for. 

Are you looking for someone to help you with your retirement planning goals? 

A financial planner can assist you by implementing a retirement plan.  When meeting with a potential financial planner, listen to their ideas and decide if what they say make sense for you.

You should also decide if you want a smaller office, where the advisor will know who you are when you call.  You should also discuss fees, how are they compensated?

Today most financial professionals are judged on their ability to successfully manage their client investments and are compensated on a percentage of the performance. 

Ask for referrals, check out their websites, their licensure and interview at least 2-3 to see who ‘clicks’.