{"id":10261,"date":"2020-12-17T04:52:36","date_gmt":"2020-12-17T09:52:36","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10261"},"modified":"2025-05-08T02:58:23","modified_gmt":"2025-05-08T06:58:23","slug":"do-i-need-a-financial-planner-or-a-wealth-manager","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/","title":{"rendered":"Do I need a Financial Planner or a Wealth Manager?"},"content":{"rendered":"\n<p>When it comes to investing, saving for a better future, or managing your wealth, deciding on whether you should seek the guidance of a financial planner or a wealth manager is critical to be able to best define your financial goals. <\/p>\n\n\n\n<p>It is therefore important to get a better understanding of the different roles a financial planner and a wealth manager play. While both a financial planner and a wealth manager can assist you in picking different investments and diversifying your portfolio based on your requirements, their respective areas of expertise are unique. <s>&nbsp;<\/s><\/p>\n\n\n\n<p>The following information explains what\ndifferentiates the professional expertise of a wealth manager from a financial\nplanner and the role they may play in your financial journey. This may enable\nyou to make an informed decision that is best suited to your financial needs\nand goals. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69de9ec891508\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69de9ec891508\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#Wealth_Management\" title=\"Wealth Management\">Wealth Management<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#What_is_a_wealth_management_plan\" title=\"What is a wealth management plan?\">What is a wealth management plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#What_do_certified_wealth_managers_do_and_what_are_their_responsibilities\" title=\"What\ndo certified wealth managers do and what are their responsibilities?\">What\ndo certified wealth managers do and what are their responsibilities?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#Requirements_to_be_a_certified_wealth_manager\" title=\"Requirements\nto be a certified wealth manager\">Requirements\nto be a certified wealth manager<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#What_is_the_cost_of_hiring_a_wealth_manager\" title=\"What\nis the cost of hiring a wealth manager?\">What\nis the cost of hiring a wealth manager?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#Financial_Planning\" title=\"Financial Planning\">Financial Planning<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#What_is_a_financial_plan\" title=\"What is a financial plan?\">What is a financial plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#_What_do_certified_financial_planners_do\" title=\"&nbsp;What do certified financial planners do?\">&nbsp;What do certified financial planners do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#Requirements_to_be_a_certified_financial_planner\" title=\"Requirements\nto be a certified financial planner\">Requirements\nto be a certified financial planner<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#What_is_the_cost_of_hiring_a_financial_planner\" title=\"What\nis the cost of hiring a financial planner?\">What\nis the cost of hiring a financial planner?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#How_is_financial_planning_different_from_wealth_management\" title=\"How is financial planning different\nfrom wealth management?\">How is financial planning different\nfrom wealth management?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#Should_you_hire_a_wealth_manager_or_a_financial_planner\" title=\"Should you hire a wealth manager or a\nfinancial planner?\">Should you hire a wealth manager or a\nfinancial planner?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/#About_Dash_Investments\" title=\"About Dash Investments\">About Dash Investments<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wealth_Management\"><\/span><strong>Wealth Management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_wealth_management_plan\"><\/span><strong>What is a wealth management plan? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A wealth management plan is generally\nsuited to people with high net worth. It focuses on preserving your funds and includes\nthe following four components: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Wealth assessment: <\/strong>Wealth assessment is<br>the process of assessing your current net worth and finding ways to manage it<br>efficiently. <\/li>\n\n\n\n<li><strong>Risk tolerance: <\/strong>Risk tolerance refers to<br>the degree of variability in returns that an investor can withstand in their<br>financial planning. Your risk tolerance is a carefully determined metric that<br>is assessed in order to find a suitable path forward to further grow your<br>wealth.<\/li>\n\n\n\n<li><strong>Wealth allocation and retention: <\/strong>Wealth allocation<br>and retention includes strategies to effectively allocate your wealth and<br>retain it in the right financial instruments or assets. <\/li>\n\n\n\n<li><strong>Growth strategies: <\/strong>Lastly, wealth<br>management encompasses growth strategies that focus on growing wealth and creating<br>a larger corpus of wealth. <\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_do_certified_wealth_managers_do_and_what_are_their_responsibilities\"><\/span><strong>What\ndo certified wealth managers do and what are their responsibilities? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Certified wealth managers are specialized\nfinancial advisors who deal with high net worth clients. Wealth managers cover\na host of responsibilities that include wealth management, long-term and\nshort-term financial planning, investment planning, retirement planning, estate\nplanning, tax planning, legacy planning, management of assets, legal advice,\nand banking services. They primarily work with investors with a high portfolio\nsize. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requirements_to_be_a_certified_wealth_manager\"><\/span><strong>Requirements\nto be a certified wealth manager<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Chartered wealth managers are certified by\nthe Global Academy of Finance and Management (GAFM). This authority was earlier\nknown by the name American Academy of Financial Management (AAFM).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_cost_of_hiring_a_wealth_manager\"><\/span><strong>What\nis the cost of hiring a wealth manager?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wealth managers charge a percentage of your\nassets that they manage (AUM or assets under management). The cost of hiring a\nwealth manager depends on the kind of services they provide and the size of\nyour wealth, and can start from 1% of AUM and go higher. However, since wealth\nmanagers work with high net worth clients, their fees are typically on the\nhigher-end. Wealth managers may also charge a fixed amount or ask for an hourly\nfee. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_Planning\"><\/span><strong>Financial Planning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_financial_plan\"><\/span><strong>What is a financial plan? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Financial planning consists of\ncomparatively simpler tasks, such as budget planning, or saving for a\nparticular goal, such as buying a house or saving for education. It takes care\nof the following aspects: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cash flow: <\/strong>The net amount of cash and cash-equivalents being      moved in and out of your account is your cash flow. An example of a steady  inflow of cash is the salary you earn. An example of a steady outflow of cash is the mortgage or rent you pay.<\/li>\n\n\n\n<li><strong>Debt management: <\/strong>Loans, credit card dues, etc., can be a setback in your journey to financial freedom. Debt management ensures that your debts are under control and your earnings are in abundance over your debts. <\/li>\n\n\n\n<li><strong>Risk management: <\/strong>Every investor has a unique risk tolerance. Depending on your ability and preference to take risk, risk management can help you find the right investment avenues for      growth. <\/li>\n\n\n\n<li><strong>Retirement planning<\/strong>: Retirement is a time when you may no longer have regular income to fall back on. In order to be able to sustain your lifestyle or meet your financial requirements it will be necessary to make appropriate investments during your earning years and plan for your non working years. <\/li>\n\n\n\n<li><strong>Investment planning<\/strong>: Investment planning allows you to earn money on your capital through investments in various avenues such as equities, bonds and property.\u00a0 With the power of compounding, you can watch your wealth increase over the course of time. <\/li>\n\n\n\n<li><strong>Tax planning<\/strong>: Tax planning is a process of  analyzing one&#8217;s financial situation (income, investment returns, losses etc.) with a view to reducing one\u2019s\u00a0tax liability. \u00a0Through tax planning, you may be able to      reduce your tax liability in a way that facilitates more savings and less      taxable burdens. <\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"_What_do_certified_financial_planners_do\"><\/span><strong>&nbsp;What do certified financial planners do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/what-is-a-certified-financial-planner\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"certified financial planner (opens in a new tab)\">certified financial planner<\/a> (CFP) takes care of many of your money management needs, such as insurance, taxes, estate planning, retirement planning, etc. Unlike a wealth manager who only deals with high net worth investors, a certified financial planner works with low or mid-income investors as well to help them protect and grow wealth. <\/p>\n\n\n\n<p>They assess the current and future monetary\nneeds and help devise a plan to attain the financial goals of investors, apart\nfrom helping them lay down SMART (Simple, Measurable, Attainable, Realistic and\nTime-bound) goals.&nbsp; <strong><em><\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requirements_to_be_a_certified_financial_planner\"><\/span><strong>Requirements\nto be a certified financial planner<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To become a certified financial planner,\nyou need to be certified by the Certified Financial Planner Board of Standards,\nInc. The approval process includes completing a CFP Board-registered education\nprogram, appearing for the CFP exam, passing the CFP Board\u2019s Candidate Fitness\nStandards, and demonstrating either domestic or apprenticeship experience in\nfinancial planning. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_cost_of_hiring_a_financial_planner\"><\/span><strong>What\nis the cost of hiring a financial planner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Just like a chartered wealth manager, a\ncertified financial planner also charges a percentage of your assets managed or\nAUM per year. They may also charge based on an hourly rate or a fixed sum based\non the kind of service you need them for. Some financial planners charge a\ncommission from the stock you buy or invest in too. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_financial_planning_different_from_wealth_management\"><\/span><strong>How is financial planning different\nfrom wealth management?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\n  <strong>&nbsp;<\/strong>\n  <\/td><td>\n  <strong>Financial\n  planning<\/strong>\n  <\/td><td>\n  <strong>Wealth\n  management<\/strong>\n  <\/td><\/tr><tr><td>\n  Investor Type\n  <\/td><td>\n  Preferred by investors with smaller\n  portfolio sizes.\n  <\/td><td>\n  Preferred by investors with higher\n  portfolio sizes. \n  <\/td><\/tr><tr><td>\n  Approach \n  <\/td><td>\n  Follows a goal-based approach. \n  <\/td><td>\n  Follows an opportunity-based approach.\n  <\/td><\/tr><tr><td>\n  Professional involvement\n  <\/td><td>\n  A financial planner is passively involved\n  in your financial planning process.\n  <\/td><td>\n  A wealth manager is actively involved in\n  managing your wealth.\n  <\/td><\/tr><tr><td>\n  Objective\n  <\/td><td>\n  The main aim is to create wealth with\n  investments and savings.\n  <\/td><td>\n  The main goal is to preserve the wealth that\n  exists and grow the corpus.\n  <\/td><\/tr><tr><td>\n  Major components\n  <\/td><td>\n  Consists of cash flow management,\n  portfolio diversification, retirement planning, estate planning, tax\n  planning, budgeting, investment planning, etc. \n  <\/td><td>\n  Consists of wealth assessment, risk\n  assessment, wealth preservation, wealth growth, etc. \n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_you_hire_a_wealth_manager_or_a_financial_planner\"><\/span><strong>Should you hire a wealth manager or a\nfinancial planner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Now that we have established the\ndifferences between wealth management and financial planning, and understood\nthe roles played by the respective financial advisors, which of these two\nprofessionals should you be hiring for your needs? <\/p>\n\n\n\n<p>Seek a wealth manager if you are a large-ticket investor who needs assistance with preserving wealth and optimally managing your wealth and estate. <\/p>\n\n\n\n<p>Seek a financial planner if<strong> <\/strong>you have a smaller portfolio size or want to invest a smaller portion of your money to create wealth, and need advice on budgeting, retirement planning, tax planning, etc. <\/p>\n\n\n\n<p>Have you decided what kind of professional\nsuits your requirements the best? Use <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\">Paladin Registry<\/a>\u2019s\nfree match tool to find a vetted financial advisor who is a good fit for your\nfinancial goals and needs. <\/p>\n\n\n\n<p>To learn more about the most suitable tax-saving strategies for your specific financial requirements, visit&nbsp;Dash Investments&nbsp;or email me directly at&nbsp;<a href=\"mailto:dash@dashinvestments.com\"><strong>dash@dashinvestments.com<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_Dash_Investments\"><\/span><strong>About Dash Investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dashinvestments.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;is privately owned by&nbsp;<a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Jonathan Dash<\/strong><\/a>&nbsp;and is an independent investment advisory firm, managing private client accounts for individuals and families across America. As a Registered Investment Advisor (RIA) firm with the SEC, they are fiduciaries who put clients\u2019 interests ahead of everything else.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/financial-advisory-firm\/woodland-hills\/california\/dash-investments\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;offers a full range of investment advisory and financial services, which are tailored to each client\u2019s unique needs providing institutional-caliber money management services that are based upon a solid, proven research approach. Additionally, each client receives comprehensive financial planning to ensure they are moving toward their financial goals. CEO &amp; Chief Investment Officer&nbsp;Jonathan Dash&nbsp;has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm\u2019s clients.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to investing, saving for a better future, or managing your wealth, deciding on whether you should seek the guidance of a financial planner or a wealth manager is critical to be able to best define your financial goals. It is therefore important to get a better understanding of the different roles a financial planner and a wealth manager play. While both a financial planner and a wealth<\/p>\n","protected":false},"author":125,"featured_media":10263,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-10261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need a Financial Planner or a Wealth Manager? - Paladin Registry<\/title>\n<meta name=\"description\" content=\"When it comes to investing, saving for a better future, or managing your wealth, deciding on whether you should seek the guidance of a financial planner or a wealth manager.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-i-need-a-financial-planner-or-a-wealth-manager\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need a Financial Planner or a Wealth Manager? 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