5 Characteristics to Look for in a Financial Advisor

5 Characteristics to Look for in a Financial Advisor

posted in: Uncategorized | 9,762

After a decade plus in the markets and after teaching and networking with over a thousand Financial Advisors, I have witnessed five characteristics that the best Financial Advisors have in common to help guide you in your financial decision making. These are the five things that I’ve told my family and friends to look for when considering an advisor.  It’s a list that is born out of nothing but experience . . . just how any list should be created.

 

The Five Characteristics of a Financial Advisor that you should look for are:

 

1. Independence

By independence I mean they own their own advisory. There is a major difference between Independent Advisors and those that work for a big financial institution. The biggest difference is that Independent Advisors make their own decisions, about everything. These decisions are made by answering the question, “what is right for my client?” Contrast that to a big financial institution who takes marching orders from the corporate office. If the big wigs sitting at the corporate office want to push a certain product or allocate a portfolio a certain way, they tell the Financial Advisor’s and the Financial Advisors put their sales hat on, sale it then do it. Not much attention is given to the individuals need. I was on a recent phone call  where the Financial Advisor (I won’t’ mention the gigantic firm they represented) on the phone said, “I’m not sure why we would allocate that much in bonds,  that comes from our professionals that are managing money.” Huh?

 

2. Experience

Experience trumps everything. Designations are worthless. An advisor could have an alphabet after their name and it doesn’t mean a thing. Actually I take that back, what it means is that they read a book and took a test. While the guys that are trying to earn a designation are reading and studying the other guys are actually doing it. They are learning by actual experience. Don’t fall for the trap of looking for those only with designations. I will tell you from experience, you will overlook the best of the best. When meeting an Advisor, ask them about their experience. Don’t worry about designations.

 

3. Integrity

We all know how important integrity is. You want someone that has a flawless, clean reputation. Someone that you can call and you know they will pick up the phone. Do your homework by asking friends and family about this Advisor. Do they follow up with you? Do they meet with you as often as you would like? Do they have your best interest in mind? These are the type of advisors that will sit down, evaluate the needs and goals of a client and take seriously the fiduciary responsible they have to that client.  In addition look for the advisor online. Check and see if they have written content, blog posts, and have other social media outlets. This type of research tells you a lot about the type of person they are.

 

4. Fee Only

This is fairly straight forward. You want hire an advisor that charges a flat fee with no hidden costs or commissions. Most advisors will charge 1.0 – 1.5%. However, if you have special circumstances and need additional risk protection on assets you own, you may have to pay a bit more. One of the first questions you should ask a potential advisor is “what’s your fee?”

 

5. Imagination

In an ever changing world where twitter has overtaken the newspaper and desktop computers are becoming obsolete, imagination is more and more important. Look for an advisor who understands the changes and challenges that we all face today and is doing something about it. From your kids or grandkids college accounts, to changes in tax code and regulation to basic communication differences between baby boomers and generation X and Y. Those advisors without this imagination are going to be a thing of the past.

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  226. 2) The 2nd step is to determine how much worth each home improvement contributes to your home.

  227. Ella era una mujer de negocios, que se inclinaba por ser agnóstica y que no había rezado en años..

  228. Council authorization is not required for all these remodelling
    activities however constantly consult your council before continuing.

  229. These are the home builders that have actually specialized qualifications, licensing as well as encounter to do improvement solutions in particular
    districts.

  230. By bundling you have one restoration professional to take
    care of as opposed to two or 3.

  231. If you are not a Prepper you probably will unknown just what to do, it’s late when calamity strikes.

  232. Sehr guter Post! Ich sehe mir sehr gerne Serien im Web an. Vorallem liebe ich Amazon Prime
    Video.

  233. There’s Natsuki, an athletic female that fits the tsundere box to a tee, who has
    a completely not obvious crush on her long-lasting neighbor and
    also good friend Ken-chan”.

  234. These likewise differ in costs relying on their styles; for this reason choose ones that
    suit your budget.

  235. Popular tv residence improvement programs may make it look very easy, yet lifecycle outcomes from these renovations are frequently bad.

  236. I don’t know whether it’s just me or if everyone else encountering problems with your site.

    It looks like some of the written text within your
    posts are running off the screen. Can somebody else please provide feedback and let
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  237. In the restroom, particularly around the mirrors, bathroom lights ideas is important.

  238. You likewise reduce cooling prices since CFLs produce 75
    % much less warmth compared to conventional
    bulbs..

  239. There is a lot of motivation to be drawned from tv
    programs like Reno Rumble and The Block.

  240. Home improvement is an area that many homeowner shy away from, for concern that it is as well expensive or
    also time consuming.

  241. After all, it’s considerably tougher to obtain a lending these days compared to it was back
    prior to the housing bubble burst.

  242. Great topic and well written. Do you have any
    more resources about this that you reccommend?

  243. Realize that your family members may should leave
    during building, relying on the moment line and also extent
    of your restoration.

  244. The 203(k) program enables a buyer to include the
    forecasted costs of refurbishing a home in the first FHA-insured home loan.

  245. For the majority of preppers, the perfect calamity scenario
    involves them nursing their substantial food supply
    until the disorder passes.

  246. The client totally exercises their own free choice as well as reasoning to approve or decline Psychic
    Crystal’s guidance.

  247. For more information on the sorts of green home
    improvement job that qualify for the credit, to see Acknowledged
    Environment-friendly Home improvement Job.

  248. We are a group of volunteers and opening a new scheme in our community.
    Your website provided us with valuable information to work on. You’ve done a formidable
    job and our entire community will be grateful to you.

  249. Basement floor covering plans include the restoration of the basement, to optimize room
    in the urban home.

  250. Like Baskin Robbins, restoration financings been available in a bunch of flavors if you find the appropriate
    home improvement loan provider.

  251. Does your website have a contact page? I’m having problems locating it but, I’d like to send you
    an email. I’ve got some ideas for your blog you might be interested in hearing.

    Either way, great website and I look forward to seeing it improve over time.

  252. An improvement business will certainly function within a duration to make sure that you reach use your kitchen in the quickest time
    feasible.

  253. Everyone associated with every action of
    the residence remodelling need to be informeded of any kind of
    adjustments to the initial plan.

  254. You might be thinking that this is not the case however right here are some reasons about
    why a skilled job supervisor is important
    to your improvement:

  255. Considering that 2005 the institution has operated under the
    umbrella of The Oracle, with three places, North Vancouver, Sechelt,
    and also Whistler.

  256. This is the factor, a mass of individuals is seen going with restroom home
    improvement in Fairfax, VA.

  257. Great topic and well written. Do you have any more resources about this that you reccommend?

  258. First, estimate the cost of your restoration as well as establish
    whether you require all the money up front or in phases as the job progresses.

  259. Home renovations could certainly be expensive, as well as the house remodelling credit aided
    to reduce a portion of those costs.

  260. You may monitor quite a few search terms iin addition to
    schedule updates to go out.

  261. An important reminder to bear in mind is that you have to consistently come close to an office bank
    first for a construction lending.

  262. Hi, i think that i saw you visited my weblog so i got here to return the
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  263. It will most likely cost anywhere from $100,000 to $150,000 to do a good
    improvement of a property for the elderly.

  264. The other was delivered via a peer-to-peer encrypted email professional, eating me out for inquiring about his prepper efforts.

  265. The contract ought to clearly state the rate to be charged for the improvement and also timespan for
    the finalization of the renovation.

  266. I say occasionally because of course, there are several preppers who hate weapons and also choose not to use them to protect their building.

  267. The suggestions you gave made me rejoice as now I know that I require not spend great deals of cash
    to provide a new look and feel to my residence.

  268. It’s also late as soon as calamity strikes if you are not a Prepper you possibly will not know
    just what to do.

  269. These are the builders that have actually specialized
    credentials, licensing and also see to carry out remodelling solutions in specific towns.

  270. Typically, you must keep a loan-to-value proportion of 80 percent, yet you are allowed
    to include building costs to the worth of your home.

  271. Dios nuestro Padre tanto nos amó que nos dio a Su único Hijo para que quien crea en el
    tenga vida eterna.

  272. J’ai vu un site qui permet de télécharger un hack pour call of duty black ops 3.
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  273. In the bathroom, particularly around the mirrors, restroom lights suggestions is important.

  274. Good response in return of this difficulty with real
    arguments and explaining all concerning that.

  275. Professional specialist recognizes very well concerning the right tools and products
    that are needed in yard improvement.

  276. Types of Services Supplied by Construction Solutions We all like
    our homes; we tend to spend countless bucks for construction or remodelling of our residence.

  277. In addition, you can anticipate remodelling jobs to set you
    back even more for the extra preparation needed.

  278. Think about taking out a small business loan or opening
    up a company charge card, if required, to purchase the tools
    you require.

  279. Regardless of the hardest work of experts, every renovation calls for touch-ups or repair services.

  280. This is the reason layout ideas in the bedroom must not be merely visual appeal or the best part of
    the furniture and also other home furnishings.

  281. We’ll send you disclosures specifying your loan terms along with approximated payments, and your application will be reviewed
    by an underwriter.

  282. A TruFixed And also Loan offers you a part fixed price term and a component
    flexible price term.

  283. Retrofit tasks: This kind of renovation normally concentrates on your residence’s covering or
    mechanical systems.

  284. Although you can redeem a few of your assets, anywhere
    from 50 % -83 %, this job’s prices could swiftly rotate extremely out of control.

  285. According to Ms. Babbit, families must focus residence restoration on boosting function.

  286. Por eso instituyó las alianzas del A.T. que culminan con la Alianza en la Sangre de
    Cristo.

  287. Great topic and well written. Do you have any more resources
    about this that you reccommend?

  288. The majority of residents that choose to go through with restoration tasks lack
    cash half-way into the job.

  289. Hmm is anyone else having problems with the images on this blog loading?

    I’m trying to find out if its a problem on my end or if it’s the blog.
    Any responses would be greatly appreciated.

  290. The home evaluation gotten throughout the handling of your lending need to sustain this estimate.

  291. When hiring a home restoration group, just how do you ensure that you get all that you are paying for?

  292. - This web site comes with a home loan search device and financing calculator,
    which could assist you access over 1,000 loan programs.

  293. REMODELLING SUGGESTION: This is a terrific component of
    the DIY renovation to get some counsel from guest with.

  294. This shows where the old Japanese style cast iron bathtub utilized to be.
    Location was enlarged to suit common dimension tub.

  295. These concepts in addition to several others already exist as well as are feasible choices for those planning to work from house.

  296. The Practical Prepper is just that, a must-have read for both rookies and skilled preppers alike.

  297. If you live anywhere else, however, setting up a swimming pool might reduce the worth of your home, due to
    the substantial operating expense.

  298. As energy costs remain to rise, residents are asking that inquiry more often.

  299. Hey there, You have done a fantastic job. I will certainly digg it and
    personally suggest to my friends. I am sure they will be benefited from this web site.

  300. There are times when taking a loan is just not an alternative, as it has
    to be paid back, where for some it could end up being extremely difficult.

  301. Take into consideration hiring a designer or indoor developer to assist you in intending your complete home renovation.

  302. I just checked out the whole blog & discover that you clarify kitchen improvement in really comprehensive way
    which is extremely efficient & useful.

  303. By packing you have one improvement service
    provider to handle as opposed to 2 or three.

  304. Refinancing mortgage could lessen your rate of interest along with could
    help to prolong the duration of repayment.

  305. This is very interesting, You’re a very skilled blogger.
    I’ve joined your feed and look foprward to seeking more
    of your great post. Also, I have shared your web site inn my social networks!

  306. The only negative aspect of acquiring a new residence is that
    you need to invest more cash than making a remodelling.

  307. You do not need to stress over obtaining authorizations,
    some guidelines and rules for renovation unlike a property remodelling task.

  308. You must search for stores that are one stop for all
    your kitchen area restoration requirements.

  309. There are a great deal of things to take into consideration before you study a restoration.

  310. Discover some really excellent suggestions for embellishing your home with
    simple to to do DIY crafts with some remarkable inexpensive things!

  311. It’s a pity you don’t have a donate button! I’d definitely donate to this excellent blog!
    I suppose for now i’ll settle for bookmarking and adding your RSS feed to my Google account.

    I look forward to new updates and will share this site with my Facebook group.
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  312. As well as, due to the fact that this is thought about a separate job, the guarantee from the initial
    plumbing system updates he did won’t cover the prices.

  313. Locating just what as well as exactly how your household wants
    the space to work will certainly assist them via the remodelling process.

  314. A historical home improvement is not an overhaul, yet instead an undertaking to stay exact
    to the feeling and destination of the initial.

  315. Generally, insurance coverage for any type of liabilities developing throughout the home improvement is
    needed.

  316. Bring your Lending Permission Form as well as contractor quotes to any of our partner banks or
    credit unions.

  317. Return here prior to you submit to verify that the price has actually not changed, specifically if it’s been a while given that you downloaded this app.

  318. Even if the home owner sees the necessity of home improvement projects, he hesitates due to the price
    it will certainly take to finish the project.

  319. This shows where the old Japanese design cast iron bathtub
    made use of to be. Area was enlarged to fit typical size bathtub.

  320. Remodelling home mortgages allow potential purchasers
    to renovate as well as buy in one financing, with one closing.

  321. Thanks for finally writing about >5 Characteristics to Look for in a Financial Advisor | Beating
    the Benchmark <Liked it!

  322. Link exchange is nothing else except it is just placing the other person’s web site link on your page at
    appropriate place and other person will also do same for you.

  323. You could utilize CAD software application available
    online, to create a 3D form of your rough sketch.

  324. First of all I want to say great blog! I had a quick question that I’d like to ask if you don’t mind.
    I was curious to know how you center yourself and
    clear your head before writing. I have had a tough time clearing my thoughts in getting my thoughts out.
    I do enjoy writing but it just seems like the first 10 to 15
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  325. I was wondering if you ever thought of changing the structure of your website?
    Its very well written; I love what youve got to
    say. But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having one or 2 images.

    Maybe you could space it out better?

  326. Establish whether you can spend for the remodelling outright
    or if you require funding from your bank.

  327. That said, a widescreen LCD offers lots of screen real-estate for web surfing
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    The following guide will disclose how rapid and simple
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  328. Florida is one of seven states in the United States
    of America that prohibit the open carrying of handguns.
    Offices spaces for rent provide the basic number of rooms required to
    construct a reception, meeting rooms and work station environment.
    If you are a night owl or early-morning riser, you can schedule your time accordingly.

  329. My aims with DIY tasks around the home are seeking ingenious area conserving ideas as well as saving expenses on products by recycling.

  330. When the improvement is done, our experts evaluate the task based upon the quality.

  331. If you want the greatest result, for the very best rate, you require
    our team of improvement professionals in your corner.

  332. Vinyl siding replacement is definitely one of the
    fashionable things to do these days as an exceptional residence improvement task.

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  334. Include an enhancing part in your checklist so you understand just what you have to buy to totally decorate the area and
    finish.

  335. The lending, that is gettinged by the borrower, can be a construction-only lending or a construction-to-permanent home loan.

  336. Discovering exactly what and also just how your family members wants the
    space to work will direct them via the home improvement process.

  337. Use the list here for the most usual recommendations as well as see more thorough advice in various other relevant Your Residence
    posts.

  338. Service providers do not have to begin by supplying a complete
    array of home improvement services.

  339. Yes, I have actually done improvement job and I could cherish all the effort and love you have put into your residence.

  340. Thanks to my father who informed me concerning this website, this website is actually amazing.

  341. Wow, amazing blog layout! How long have you been blogging for?
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  342. His company is most recognized for its gut remodelling and also finalization of the
    Brooklyn Bowl task, which he specifies was done as a 100
    % environment-friendly task!

  343. Via renovation you can buy tailored, and bespoke cooking area bench tops in Perth.

  344. 2) The second action is to identify how much worth each
    remodelling contributes to your home.

  345. As a matter of fact, improvement has gotten popularity,
    many thanks to the TV reveals that make it look easy and also so simple..

  346. Popular interior design as well as home improvement television shows motivate home owners to look for distinct means
    to distinguish their homes from others.

  347. This is the reason style suggestions in the bed room
    ought to not be simply visual appeal or the best part of the furniture and other furnishings.

  348. House improvement is an area that a lot of property owner shy away
    from, for worry that it is as well costly or
    too time consuming.

  349. Adding some new furniture pieces and getting some new drapes, pillows and also rugs can additionally be considered a restoration.

  350. 1. Take some time to scan photographs of home furnishings
    of various designs before making decisions, and share ideas with your partner.

  351. Modification out the light fixtures throughout the mobile residence with updated, matching installations to complete your improvement job.

  352. This article provides clear idea designed for the new users of blogging, that in fact how to do running a blog.

  353. Discrepancies in your credit report, work past history,
    or existing savings account equilibriums can delay your loan procedure.

  354. If you view residence remodelling programs on tv, you
    know the big fad is to blow out walls that separate smaller, uneven spaces.

  355. We canvassed loads of market pros to magazine means
    you could wrestle your remodelling costs pull
    back to earth.

  356. Although modern technology is emerging in the home renovation sector,
    3D printing will aid additionally establish this pattern.

  357. 1 best-selling tax obligation software application: Based
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