{"id":303,"date":"2013-02-06T06:54:09","date_gmt":"2013-02-06T14:54:09","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=303"},"modified":"2024-08-12T05:56:35","modified_gmt":"2024-08-12T09:56:35","slug":"is-my-retirement-planner-a-salesman","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/is-my-retirement-planner-a-salesman\/","title":{"rendered":"Is My Retirement Planner a Salesman?"},"content":{"rendered":"\n<p>Selecting a high quality retirement planner, who can produce a realistic retirement plan, is one of the most important financial decisions you will ever make. On the other hand, if you select a retirement planner who is really a salesman your dream of a comfortable, secure retirement could go up in smoke.<\/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-69ddfa588af9d\" 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-69ddfa588af9d\"  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\/retirement\/is-my-retirement-planner-a-salesman\/#Can_Anyone_Claim_to_be_a_Planner\" title=\"Can Anyone Claim to be a Planner?\">Can Anyone Claim to be a Planner?<\/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\/retirement\/is-my-retirement-planner-a-salesman\/#What_About_a_Code_of_Ethics\" title=\"What About a Code of Ethics?\">What About a Code of Ethics?<\/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\/retirement\/is-my-retirement-planner-a-salesman\/#What_About_Licensing_Registration\" title=\"What About Licensing &amp; Registration?&nbsp;\">What About Licensing &amp; Registration?&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\/retirement\/is-my-retirement-planner-a-salesman\/#Read_Between_the_Lines\" title=\"Read Between the Lines\">Read Between the Lines<\/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\/retirement\/is-my-retirement-planner-a-salesman\/#The_%E2%80%9CFree%E2%80%9D_Retirement_Plan\" title=\"The \u201cFree\u201d Retirement Plan\">The \u201cFree\u201d Retirement Plan<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_Anyone_Claim_to_be_a_Planner\"><\/span>Can Anyone Claim to be a Planner?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unfortunately, anyone can claim to be a retirement planner. There is no license or test that will help you identify real retirement planners. In my opinion, this is a major breach of trust by the financial service industry for the treatment of investors. The industry has made it your sole responsibility to determine who is a real retirement planner and who is using the title to help them sell investment and insurance products.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_About_a_Code_of_Ethics\"><\/span>What About a Code of Ethics?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Companies and financial planner associations publish Codes of Ethics that planners are supposed to adhere when they produce retirement plans for their clients. However, it has been my experience that these Codes are more of a marketing tool than an actual standard for the treatment of clients. In fact, I would be very cautious of planners who make too big a deal of the Code. That\u2019s because the organizations that produce the Codes have no way to enforce their provisions until there is a client complaint and by then it is always too late.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_About_Licensing_Registration\"><\/span>What About Licensing &amp; Registration?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are no <a href=\"http:\/\/www.investorwatchdog.com\/financial-advisor-licenses-registrations\" target=\"_blank\" rel=\"noopener noreferrer\">licenses or registrations <\/a>for retirement planners. They may hold securities licenses that permit them to sell financial products for commissions. Or, they hold Investment Advisor Representative registrations that permit them to provide ongoing financial advice and services for fees. Your best bet is to select the IAR because you need ongoing advice, not one time sales recommendations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Read_Between_the_Lines\"><\/span>Read Between the Lines<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before you select a retirement planner you should always ask to see a plan with the name removed that they produced for a client similar to you. Planners won\u2019t like this because you may use the plan for yourself and not pay them for it. But, forget their self-serving concerns. This is a very reasonable request because their plan will determine when you retire, your standard of living during retirement, and your financial security late in life. When you review the plan read between the lines to see if you can identify recommendations that impact how much money the retirement planner makes if you adopt the plan.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_%E2%80%9CFree%E2%80%9D_Retirement_Plan\"><\/span><strong>The \u201cFree\u201d Retirement Plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lot of salesmen market free retirement plans that help them sell investment and insurance products. For example, you receive a free plan from a sales rep that recommends the purchase of life insurance, long-term care insurance, and annuities. The commission from the sale of these products totals $25,000. You end-up paying inflated expenses to insurance companies that offset the commissions that were paid to the sales rep. There are <a rel=\"noopener noreferrer\" href=\"http:\/\/www.investorwatchdog.com\/blog\/free-financial-advisor-seminars-should-have-warning-labels\/\" target=\"_blank\">no free lunches <\/a>in the financial services industry.<\/p>\n\n\n\n<p><em><a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jack-waymire\/\">Jack&nbsp;Waymire<\/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&nbsp;Jack\u2019s first book:<\/em> <em>&#8220;Who\u2019s Watching Your Money?&nbsp;The 17 Paladin Principles for Selecting a Financial Advisor.&#8221;&nbsp;<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","protected":false},"excerpt":{"rendered":"<p>Selecting a high quality retirement planner, who can produce a realistic retirement plan, is one of the most important financial decisions you will ever make. On the other hand, if you select a retirement planner who is really a salesman your dream of a comfortable, secure retirement could go up in smoke. Can Anyone Claim to be a Planner? Unfortunately, anyone can claim to be a retirement planner. There is<\/p>\n","protected":false},"author":2,"featured_media":10442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My Retirement Planner : A Real Financial Advisor or A Salesman?<\/title>\n<meta name=\"description\" content=\"Who can claim to be a Planner? Code of ethics of a financial professional. Licensing &amp; Registration of a retirement planner. 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