Working With A Financial Advisor
Markets go up and down. So does the economy. And when you think about it, so does your life. Staying on track to reach your long-term financial goals while balancing day-to-day needs can be challenging. That’s why you need a professional you can turn to for trusted advice and guidance when it comes to your finances and investing.
Once the dynamic financial plan is in place, we will evaluate your investment portfolio. Prudent investing means a well-researched, diversified portfolio that factors in all the elements of your financial plan.*
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Just as you develop a long-term relationship with your doctor or attorney, it’s important to establish a relationship with a financial advisor in Boulder that grows over time. When your advisor understands your personal and financial situation – knows where you’ve been and where you want to go – it creates a relationship that you can count on when things are going well and, more important, when you run into financial challenges. During challenging times, we will work with you to re-examine your goals, objectives, and plan to make sure that the investment portfolio stays on the right course. We will stay in close touch with you and give you the benefit of our most recent research and best advice. If it makes sense to make adjustments, we will do so and you will understand the reasons for them.
What a Financial Advisor Does
Understand Your Concerns: This means getting to know you and your family by gathering information about your current circumstances, future goals, aspirations and concerns.
Identify Your Financial Goals: Your plan may be as straightforward as saving for retirement or a child’s education. But you may need a more complex solution, like selling your business and using the proceeds to develop a sustainable plan for retirement income and establish a charitable trust.
Assess Your Tolerance for Risk: We will factor in your investment horizon and assess the types and levels of risk you can afford and with which you’re comfortable.
Create Your Financial Plan & Collaborate With Your Team: When appropriate, we work with your CPA, attorney and other professionals to help ensure all aspects of your financial and estate planning are addressed.
Design/Implement an Appropriate Investment Strategy: Your financial plan should not be an automated solution. We have access to in-depth evaluations of hundreds of potential investments and offer objective, unbiased recommendations based on what’s best for you.
Manage, Monitor, and Adjust Your Plan and Investments as Needed: Financial planning is an ongoing process that requires periodic review. If it becomes necessary to adjust components of your plan or portfolio in light of changing circumstances and evolving objectives, we’ll make decisions and adjustments together.
Focus on Long Term Planning: We help keep you apprised of relevant market developments and help you understand their implications. This helps ensure your financial decisions are based on facts and careful research, rather than emotions and market volatility.
Help You through Difficult Times: During times when life presents challenges, such as job transition, illness, relationship transition, or loss of a loved one, we will help you focus on decisions that need to be prioritized and those that can wait. Knowing your hopes, wishes and values we will have the context in which to help you navigate rough waters financially.
We Want to Be Your Financial Partner For Life
Life can get complicated and our clients are often pressed for time. As decisions that have a financial component arise, we will do the analysis and share the results with you so you can determine which of many choices makes the best sense. The bottom line may not always be what course of action will give you the most money. You may decide that as long as you can accomplish your stated financial goals, other priorities are more important than your financial bottom line, such as which choice will give you and your family the greatest fulfillment.
By developing a long-term relationship with a Boulder financial planner you will have a professional partner. After all, life is full of competing priorities – from day-to-day cost-of-living expenses to saving for short-term plans to investing for long-term goals. An advisor who knows you well can help you make many choices about what is best for you and your family within a broader context – your financial goals and your hopes, wishes, dreams and values.
As your Colorado family grows should you so desire, we are available to work with your children and your parents, or any of your family members who needs consultation on matters ranging from insurance, to budgeting, to college planning, to retirement savings, to mortgage decisions, to estate planning, and more.
*There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results.