Provided by Kim Dyer
With the new paradigm of living longer and the potential impacts of both good and bad market performance, seeking guidance from a financial advisor who can help you structure a retirement
income strategy that reflects your financial situation, risk tolerance and investment objectives is becoming an increasingly important part of planning for retirement. And not just any financial advice, but objective financial advice.
With so much at stake, it’s important that you feel you can trust a financial advisor to consider a wide variety of possible solutions, including both investment and insurance products, before making any recommendations. You also want to have confidence that the advice being provided by your financial advisor is in your best interests — not his or hers.
Within the financial services industry, there are independent financial professionals who operate as self-employed business owners and sell the products of multiple financial institutions.
This contrasts with financial professionals who represent a financial institution and are employees of
that institution. These employees are generally referred to as “captive” financial professionals.
While captive financial professionals are typically required to sell only the propriety products of the
financial institution that employs them, independent financial professionals are able to work with many financial institutions, providing their clients with a wider array of products from which to choose,
potentially increasing the likelihood of being able to provide the best product or products for their clients’ particular situations. Many independent financial advisors can help individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
As small business owners, independent financial advisors are likely to have smaller clienteles than larger companies that employ multiple financial advisors. If “the personal touch” is important to you, you may have more luck finding it with an independent financial advisor. There’s also something to be said for working directly with the business owner, who understands and has a greater appreciation for the impact each client has on his or her business.
As the demand for objective advice grows, it stands to reason more people may choose to work with independent professionals. Independent financial advisors are not forced to sell only the proprietary products of a single financial institution; rather, they generally have access to a larger selection of possible solutions from a wide range of financial institutions to help clients work toward their financial goals.
Planning for retirement income today can be challenging. For this reason, you may want to consider securing objective financial advice to help you meet this challenge, and take steps to help keep you on the path toward your desired financial future. At Keystone, we specialize in laying the foundation for your financial success.
Kim Dyer may be reached at (623) 299-9710 or firstname.lastname@example.org www.keystonegroupaz.com
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Securities offered through J.W. Cole Financial, Inc,. Member FINRA/SIPC. Advisory services through J.W. Cole Advisors, Inc. (“JWCA”). Keystone Capital Management Group, LLC and JWC/JWCA are unaffiliated entities.