{"id":193,"date":"2013-01-10T07:22:07","date_gmt":"2013-01-10T15:22:07","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=193"},"modified":"2021-02-15T01:36:40","modified_gmt":"2021-02-15T06:36:40","slug":"financial-advisor-rating-is-an-art","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-rating-is-an-art\/","title":{"rendered":"Financial Advisor Rating is an Art"},"content":{"rendered":"\n<p>How do you develop a financial advisor rating for a professional who does not have a <a title=\"How to Identify Real Track Records for Financial Advisors\" href=\"http:\/\/www.investorwatchdog.com\/blog\/how-to-identify-real-track-records-for-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\">track record<\/a>? You have no way to determine if the advisor has produced competitive returns in the past. And, since you have no way to validate what the advisor says, you run the risk of selecting the financial advisor with the best sales pitch versus the highest rating.<\/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-69db8fb5473d8\" 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-69db8fb5473d8\"  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\/financial-advisor-rating-is-an-art\/#CPAs_Attorneys\" title=\"CPAs &amp; Attorneys\">CPAs &amp; Attorneys<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-rating-is-an-art\/#Why_No_Track_Records\" title=\"Why No Track Records?\">Why No Track Records?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-rating-is-an-art\/#Substitute_Track_Records\" title=\"Substitute Track Records&nbsp;\">Substitute Track Records&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-rating-is-an-art\/#References\" title=\"References\">References<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-rating-is-an-art\/#How_to_Determine_Competence\" title=\"How to Determine Competence\">How to Determine Competence<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CPAs_Attorneys\"><\/span><strong>CPAs &amp; Attorneys<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you think about it, you also select other types of professionals without any form of documentation. How do you know you selected a high quality CPA or attorney? You don\u2019t. You make your selection decisions and retention a function of your experience with that professional. You retain CPAs and attorneys if you believe you are getting high quality advice. The same is true for financial advisors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_No_Track_Records\"><\/span><strong>Why No Track Records?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>So why don\u2019t financial advisors who generate performance reports for their clients have track records? Their argument is all of their clients are different, so unlike money managers, there is no one track record. It is true money managers provide the same service to multiple clients so it is easy to produce a track record. Advisory services vary by client so it is difficult to produce a track record. But, it is possible to segment clients into categories, young\u2013middle-aged-retired, and develop track records for each segment. However, very few advisors have taken this approach. They don\u2019t have to if investors are willing to hire them without any documentation for past results.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Substitute_Track_Records\"><\/span><strong>Substitute Track Records<\/strong><strong>&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some advisors, in particular the more aggressive ones, use fake track records to convince you to select them. They may show you a few hot performing mutual funds and claim they selected the funds before the <a title=\"What Every Investor Should Know About Investment Performance\" href=\"http:\/\/www.investorwatchdog.com\/blog\/what-every-investor-should-know-about-investment-performance\/\" target=\"_blank\" rel=\"noopener noreferrer\">performance<\/a> occurred \u2013 knowing full well you have no way to invalidate this sales claim. This is not a track record. There is a 99% probability the advisors selected the funds after the performance occurred. Anyone can do that.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"References\"><\/span><strong>References<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some advisors will refer you to clients and professionals who will make positive statements about their performance. In my opinion, references are worthless because no financial advisor will give you a bad one. In fact, most references are carefully selected, advisors may have coached them, and there is a good chance they are friends. Talk to references if you want to, but don\u2019t put any credence on their remarks about performance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Determine_Competence\"><\/span><strong>How to Determine Competence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It takes years to become an investment expert so select advisors who can document years of financial advisory experience. High quality <a title=\"Advisor Credentials\" rel=\"noopener noreferrer\" href=\"http:\/\/www.investorwatchdog.com\/financial-certifications-advisor-credentials\" target=\"_blank\">certifications<\/a>, such as CFA\u00ae, CIMA\u00ae, and CFP\u00ae are a great way to obtain specialized financial knowledge. College degrees, in particular advanced degrees, can be a plus. Membership in associations can also increase advisor knowledge if the associations have continuing education requirements. Be sure to ask advisors to document answers to your questions about their investment credentials. If you ask multiple advisors the same questions it will be easy to compare their responses and select the one with the best qualifications.<\/p>\n\n\n\n<p><em><a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jack-waymire\/\">Jack\u00a0Waymire<\/a> worked in the financial services industry for 28 years before he left to found the Paladin Registry (<a rel=\"noreferrer noopener\" href=\"http:\/\/www.paladinregistry.com\/\" target=\"_blank\">www.PaladinRegistry.com<\/a>) in 2004. This investor education website was based on the Principles in\u00a0Jack\u2019s first book:<\/em> <em>&#8220;Who\u2019s Watching Your Money?\u00a0The 17 Paladin Principles for Selecting a Financial Advisor.&#8221;\u00a0<br>The Registry also has a free service that matches investors to advisors who meet Paladin\u2019s minimum requirements for competence and trustworthiness.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How do you develop a financial advisor rating for a professional who does not have a track record? You have no way to determine if the advisor has produced competitive returns in the past. And, since you have no way to validate what the advisor says, you run the risk of selecting the financial advisor with the best sales pitch versus the highest rating. CPAs &amp; Attorneys When you think<\/p>\n","protected":false},"author":2,"featured_media":10239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-193","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>Financial Advisor Rating is an Art<\/title>\n<meta name=\"description\" content=\"How do you develop a financial advisor rating for a professional who does not have a track record?\" \/>\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\/financial-advisor-rating-is-an-art\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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