Certified Financial Planner™
Find Me An Advisor™ was founded to match customers with highly trained Certified Financial Planners™ and advisors in the industry. It can take time to find out who is the best advisor in a certain field so we have done all of the research for you.
We will pair you with an experienced advisor in your area to service all your financial needs. There is no cost whatsoever to meet with our financial advisors and learn financial strategies. We are happy to help perfect your plan and eliminate the time and worry of poor financial planning.
If for any reason you are not satisfied with an advisor just call us and let us know why so we can replace that advisor immediately if necessary.
Importance of Hiring a Certified Financial Planner™ (CFP®)
A CFP® will help you uncover your weaknesses to strengthen your overall plan to avoid loses.
There are many areas of finance that must be incorporated to create an optimal financial strategy. Investments, retirement planning, insurance, financial planning, tax planning, and estate planning must all be coordinated effectively, and this is what a CFP® is trained to do for you.
A CFP® must go through rigorous financial training by taking six advanced level courses on each of the above mentioned subject and then pass a comprehensive ten hour exam to become certified.
I will quickly outline some of the top reasons I see people’s financial plan fail for each subject area.
Investments
All too often I see people over-weight in a given sector and not rebalancing. In 2001, tech investors paid a heavy penalty to learn this lesson.
Another major investment flaw is not having the properly calculated Asset Allocation mix. Noble Prize research clearly defines Asset Allocation accounting for approximately 98% of investment returns; therefore it is imperative to optimize this mix accordingly.
Retirement Planning
When you withdraw money from your portfolio you have an 89% chance of running out of money if you reach age 90. Careful consideration must be employed with your withdrawal strategy. New products have been designed to insure that you will never run out of money and I like to incorporate them when possible to guarantee lifetime income at the highest rates.
Insurance
Insurance has many categories and is a necessity in many areas. Fortunately, due to the law of large numbers, it’s affordable in most instances if shopped with the right insurance broker.
Investment Insurance - Did you know you can insure your financial portfolio from stock market loss? New plans guarantee 6% annual growth plus stock market upside. This is a must for most.
Health Insurance - Without it, a medical condition can wipe you out overnight. This is in fact the #1 cause of bankruptcy in the US.
Medicare Supplement Insurance - Covers what Medicare doesn't, except for Long-Term Care. New coverage can eliminate annual premiums and is worth investigating.
Long-Term Care Insurance - Covers what Medicare & Medicare Supplements do not and is clearly a necessity. New coverage can be purchased for essentially FREE. Yes, I said FREE! There are many options to pursue in this space. There is a 70% chance you will require expensive Long-Term Care Services.
Term Life Insurance - Another great tool with many options to consider. Anyone with children should own term insurance; where else can you spend $40 per month and provide your family with $1 Million of cash if you pass away early by chance.
Permanent Life Insurance - Also a great tool to pass on tax-free money to heirs at potentially massive returns. Best used with additional savings you know you will not spend during your lifetime.
Home Owners Insurance with Umbrella Coverage - An umbrella policy will cover you from lawsuit damages and other catastrophic events that may arise and crush your happiness. The best part is it is really inexpensive.
Financial Planning
Helps create and maintain a budget, an emergency plan, and purchase goals, like purchasing a home.
Tax Planning
Nobody likes paying taxes and the richest people in the world have the best tax attorneys and accountants to insure they pay as little as possible. Do you know how to avoid and minimize your tax consequence legally? A CFP® does.
Estate Planning
Revocable Trusts – A Trust will help you avoid lawsuits, creditors, and costly probate courts.
Living Wills – Helps make preplanned decisions during difficult times such as remaining on Life Support or not. Also, young children need to have guardians in place in case their parents pass away early.
Estate Tax Planning - Estates over $5 Million should be planned carefully to avoid Estate Taxes by using a variety of different methods such as GRATS, CRATS, Gifting, and other advance techniques.
In summary, a CFP® will help you plan for the unexpected and show you where your plan is weakest and how to strengthen it. Get the help each and every person in America needs by contacting a Certified Financial Planner Practitioner™ and plan your finances efficiently and effectively.
Please call us to discuss your entire investment plan with us in detail. I am sure you will be enlightened by our investment knowledge. We look forward to helping you succeed.