{"id":3646,"date":"2014-04-03T06:03:08","date_gmt":"2014-04-03T13:03:08","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=3646"},"modified":"2014-04-03T06:03:08","modified_gmt":"2014-04-03T13:03:08","slug":"determine-financial-planner-pick","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/determine-financial-planner-pick\/","title":{"rendered":"How to Determine which Financial Planner to Pick"},"content":{"rendered":"

\"pick<\/a>I find that many people have anxiety about approaching retirement.\u00a0 This can be eliminated by creating a financial plan with a financial\u00a0planner to see where you really stand.\u00a0 Maybe you have more than enough income to last for your lifetime or maybe you will have a shortfall and if that’s the case you need to know that now so you can start power saving.\u00a0 With a retirement plan you can project how much you can safely withdraw out of your retirement assets every year, how much you can plan on from social security, and incorporate your pension benefits.<\/p>\n

So how do you go about choosing a financial planner?<\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Choose a Certified Financial Planner (CFP \u00ae)<\/a>.\u00a0 Most people think all financial planners are certified, but this isn’t true.\u00a0 While anyone can claim to be a financial planner, only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP\u00ae certification marks, which represent a high level of competency, ethics and professionalism.\u00a0 The CFP Board’s Standards of Professional Conduct <\/a>require CFP\u00ae professionals to look out for your interests above their own.<\/p>\n

2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Make sure your advisor offers a comprehensive financial plan that addresses your specific needs.\u00a0 A financial planner cannot accurately choose the best investments for you unless they ask questions about your goals for your money; for instance, \u201cAre you trying to save money for your children to inherit?\u00a0 Do you plan to stay in the same house throughout retirement?\u00a0 Do you anticipate needing a new car soon?\u00a0 Do you have parents that are going to be financially dependent on you?\u201d<\/p>\n

3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Understand how the advisor is paid.\u00a0 Some charge a flat fee for financial planning.\u00a0 Some are fee-based, assessing fees based on a percentage of your portfolio value (Assets Under Management or AUM<\/a>).\u00a0 Others are commissioned-based and paid per transaction.\u00a0 The best option for you depends on how often you plan to place trades and if you want your money pro-actively managed.<\/p>\n

4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 And lastly, choose a financial\u00a0planner who won\u2019t be retiring at the same time as you.\u00a0 A younger professional will actively monitor your assets long after you retire and will proactively seek continuing education to stay on top of the latest opportunities in the market.<\/p>\n

To learn more about Deanna LaRue, view her Paladin Registry profile<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

I find that many people have anxiety about approaching retirement.\u00a0 This can be eliminated by creating a financial plan with a financial\u00a0planner to see where you really stand.\u00a0 Maybe you have more than enough income to last for your lifetime or maybe you will have a shortfall and if that’s the case you need to know that now so you can start power saving.\u00a0 With a retirement plan you can<\/p>\n","protected":false},"author":36,"featured_media":3650,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-3646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"\nHow to Determine which Financial Planner to Pick<\/title>\n<meta name=\"description\" content=\"Working with a financial planner to create a financial plan can ease the anxiety of approaching retirement. 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