Investment Planning FAQ


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General Investment FAQs

What are the benefits to working with a financial professional?

With the variety of investment choices available today, it is difficult to make a solid financial plan without researching your own needs and determining appropriate products to meet those needs. Unfortunately, our daily lives often prevent us from spending the necessary time to reach our financial goals. Working with a financial professional allows you to get assistance from someone who can pinpoint your needs and do the research for you. Taking a professional approach to meeting your investment needs and goals can save you time and allow you to make solid choices in regards to your financial plan.

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What can a financial professional provide?

Personalized Attention
Financial professionals take time to get to know who you are. The most important information they receive is directly from their clients. Understanding your financial situation, goals, investment time horizon and risk tolerance enables your financial professional to assist you in creating a strategy that fits both your objectives and budget requirements.

A Resource for Information
Your financial professional is your personal financial instructor. From explaining financial terms to providing illustrations about various financial products, a financial professional's goal is to assist you in making educated decisions in the implementation of your financial strategy.

Recommendations and Assistance
A financial professional has the expertise, resources and time to keep abreast of market news, legislation and industry trends. A financial professional can analyze how these trends could affect your investment portfolio. They can provide you with current information and explain how these changes affect your investment strategy and objectives.
Specifically, an advisor can:

  • Explain financial products and how they work.
  • Compare various financial products vehicles and describe the pros and cons of each with regard to your personal financial goals
Continuing Support

As your life changes, so does your investment strategy. Your financial professional is here to help you continually, not just when you begin to invest your money. As trends and legislation change, your financial professional can update you on how these changes affect you. Your financial professional is available to address concerns and questions regarding swings in the market.

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What information should I expect to provide when working with my financial professional?

To assist you in developing a financial strategy that's right for you, it is important for your financial professional to understand as much about your finances as they can. For your protection, the National Association of Securities Dealers (NASD) requires your financial professional to ask about your financial situation, financial goals, investment time horizon and risk tolerance in order to assure your choice of investments are suitable for your financial situation.

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How often should I meet with my financial professional?

You should plan to meet with your financial professional at least once a year to reevaluate your plan strategy. If you have a major change in your life - an inheritance, a new child, a death, marriage, health concerns - you should meet with your financial professional to make any needed adjustments. Remember this is your financial strategy and you should know how you are progressing towards your goals.

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What is the benefit of tax-deferred growth?

With tax-deferred growth, you do not have to pay taxes on your earnings until you withdraw your money. This allows you to keep more of what you earn and increase your savings.

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How do I save for my children's education?

One of parents' biggest concerns is giving their child the best education possible. A solid education, a good job, a secure future - you want nothing less than a future filled with happiness and security for your child. It's never too early to start planning and it is never too late to evaluate your resources. There is a lot of information available on the Internet, through bookstores, and from financial agents in regards to saving for your child's future. Keep in mind that every family's situation is different and strategies should be tailored to an individual's situation.

Focus on the Goal
Your goal is to save for your child's education. You have an idea of how much college is going to cost you. Just as you would save for any other goal, save the same way for college. Estimate what you will need, figure in what you already have and how much you will need to save per month to get there. Utilize our calculators to assist you in determining how much you need to save. Also see our asset allocation models to see what strategies will help you reach your goal. If you can't afford right now to save the entire amount necessary, save the most you can.

Stay Disciplined Make a plan to save on a routine basis and make saving a priority. Saving routinely will keep you on track to meet your goal.

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