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Managing Your Finances


It has been my experience over the past 32 years in the financial services industry that many busy people, no matter how well educated or financially sophisticated, do not have the time or inclination to effectively manage all of their financial affairs.

Most people today are too busy keeping up with the changes in their own specialized areas to remain current with the ever-changing financial services industry. To prepare a financial plan with the same attention to detail as that of a professional advisor would just take too much time and research. This would be time away from your personal life, occupation, business or civic responsibilities.

If your financial situation is being monitored by a competent financial advisor, you can be assured that your “financial house” is in order. Your time and attention can be focused on effective management of your business and pursuing your personal interests.

CONFIRMING FINANCIAL OBJECTIVES ARE BEING MET

Many people currently have several advisors in place that provide advice only within their own area of expertise. For example, the broker may be an expert picking stocks and bonds, but without access to information concerning your total financial situation may not be able to provide the proper advice with respect to how to register those assets for estate planning purposes.

Your accountant may be doing an excellent job of tax preparation, but may not be able to help you re-position assets so as to reduce next year’s taxes.

A professional financial advisor is certainly not intended to replace any of your existing advisors with whom you now have a satisfactory relationship. However, by evaluating your total financial situation, a qualified financial advisor can coordinate strategies that do not interfere with any of your stated goals and objectives. By focusing on the whole, rather than on a part, this advisor can make recommendations that are consistent with your long term financial strategy.

KEEPING ORGANIZED