a是什么? 财务顾问做和我需要一个吗?

Today, your hopes and dreams are no different than in the past. Like most people, you probably want to buy a home, 让你的孩子读完大学，退休时有一份舒适的收入. But the world has become a more complex place than it was ten or twenty years ago, 尤其是当涉及到你的财务状况时. You may already be working with financial professionals – such as an accountant who advises you in a specific area. But if you would like a comprehensive financial plan to help you secure your future, you may benefit from the expertise of a 财务顾问.

我可以提供什么服务? 财务顾问提供?

Even if you feel competent enough to develop a plan of your own, a 财务顾问 can act as a sounding board for your ideas and help you focus on your goals, using his or her broad knowledge of areas such as estate planning and investments. 财务顾问可以帮助你:

• 设定财务目标
• Determine the state of your current financial affairs by reviewing your income, 资产, 和负债, evaluating your insurance coverage and your investment portfolio, 评估你的纳税义务*, 检查你的遗产计划
• Develop a plan to help meet your financial goals which addresses your current financial weaknesses and builds on your financial strengths
• Make recommendations about specific products and services (many advisors are qualified to sell a range of financial products)
• Monitor your plan and periodically evaluate its progress
• Adjust your plan to help meet your changing financial goals and to accommodate changing investment markets or tax laws*

五个误解 关于理财顾问

Maybe you have reservations about consulting a 财务顾问 because you’re uncertain about what to expect. Here are some common misconceptions, and the truth behind them:

1. 大多数人不需要财务顾问 — While it's true that you may have the knowledge and ability to manage your own finances, the financial world grows more intricate every day. A qualified 财务顾问 has the expertise to help you navigate a steady path towards your financial goals.
2. 所有的财务顾问都是一样的 — Financial advisors are not covered by uniform state or federal regulations, so there can be a considerable disparity in their qualifications and business practices. Some may specialize in one area such as investment planning, while others may sell a specific range of products, 比如保险. A qualified 财务顾问 generally looks at your finances as an interrelated whole, and can help you with many of your financial needs.
3. 金融顾问只为富人服务 — Some advisors do only take on clients with a minimum amount of 资产 to invest. Many, however, only require that their clients have at least some discretionary income.
4. Financial advisors are only interested in comprehensive plans — Financial advisors generally prefer to offer advice within the context of a client's current situation and overall financial goals. But 财务顾问s frequently help clients with specific matters such as rolling over a 退休 account or developing a realistic budget.
5. 理财规划师不值得花钱 -像其他专业人士一样, 财务顾问s receive compensation for their services, and it's important for you to understand how they’re paid. But a good 财务顾问 may help you save and earn more than you'll pay in fees.

我什么时候需要 财务顾问?

在很多情况下, a specific life event or a perceived need may prompt you to seek professional financial planning guidance. 这些事件或需求可能包括:

• 结婚或离婚
• 生孩子或领养孩子的
• 支付孩子的大学学费
• 购买或出售家族企业
• 换工作或职业
• 为你的 退休
• 制定遗产计划
• 应对配偶的死亡
• 得到遗产或一笔意外之财

在这些情况下, a financial professional can help you make objective, 而不是情绪化, 决定. However, you don't have to wait until an event occurs before you consult a 财务顾问. A 财务顾问 can help you develop an overall strategy for approaching your financial goals that not only anticipates what you'll need to do to reach them, but that remains flexible enough to accommodate your evolving financial needs.

一个提醒 关于投资

We'd like to remind you that non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.

Source(s) consulted: Broadridge Financial Solutions.

*Patelco不提供税务建议. For such guidance, please consult a qualified tax professional.