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Finding a Financial Planner

Finding a financial planner means finding an individual you are comfortable revealing your financial situation to. However, keep in mind that you have to lift the veil of secrecy anyway in order to receive the outside perspective that a financial planner offers you. You are given a point of view and advice that will allow you to set goals and make the right decisions for your future.

The reason why finding commission or fee only financial planners is so important is because most individuals are not able to see their finances as they are. They are entirely too close to the situation. What they need is someone outside of the situation to see it as it is.

You do, however, have to find your planner. Finding a financial planner does not have to be a very difficult task because there are a few things for you to be mindful of. The first is what kind of planning you need. You need to do an evaluation of your own finances to see exactly what it is you need. This includes looking at your current situation. Look at any retirement accounts you contribute to, such as a 401K and/or IRA because you are going to want to capitalize on these accounts.

You also need to look at your future goals, such as the new goals that parenthood brings about. When you have children, you want to start finding ways to save for their college education. So you are going to put this on your list of goals. If you don't own your home, you want to put buying a home on the list as well. You want to have all of the finer things in life without the struggle.


First when finding a financial planner, you want your financial planner to be someone who is certified. This certification is through the Certified Financial Planner (CFP) Board of Standards. The CFP Board of Standards has all of their planners go through a significant amount of training and testing before they can become certified. This lets consumers know that they are dealing with someone who really knows what they are doing.

So when finding a financial planner, you need to make sure that the individual you have handling your finances is someone who is certified to do so. There are many individuals out there who can call themselves a retirement planner or a financial advisor, but the truth is that not everyone is certified and you definitely want them to be.

Another reason why you want to consider certification when finding a financial planner is because you know they can cover a wide range of areas when it comes to your finances. When taking the exams through the CFP Board of Standards, there are many areas that are covered. If the planners taking the exams do not know about a particular area, they are encouraged to further their education so that they do know what they need to know.


Fees are another important part to finding a financial planner. You have to decide whether or not you want someone who takes a commission or charges a flat fee. Here is something to consider: When someone charges a flat fee, there is no incentive for them if you receive a significant return on any of your investments. There is an incentive when commissions are charged because commissions are a percentage of the amount of money that the client earns.

So you may want to consider the flat fee option when finding the right person to help you with your finances. That way if you decide upon investment planning as a part of your plan for your finances, you will be finding that you won't pay anything that you are not prepared to pay. You will be given a fee schedule, so if you need advice about your Roth IRA, you can have the advice that you need.

Of course, each time you ask for advice you are going to be charged a specific fee, but finding a financial planner that doesn't do this is virtually impossible. You will be finding planners who will charge you one way or another. Although a fee-based advisor is all about making sure the client reaches their goals, they do have to make sure they can pay the bills in the meantime.

So when finding a financial planner, take into consideration your particular situation, whether or not the individual you want doing your planning is certified, and how they charge their fees. That way you can know that you are putting the well-being of your finances into the right hands as opposed to the wrong hands. You want a financial planner who is going to work with you from start to finish, so finding the right one is important.

This website provides information related to the subjects covered. Before making any financial or legal decisions, a professional should be consulted.