Getting Help from a Financial Professional


Imagine knowing your financial situation…
Big life changes often bring with them big changes to your financial circumstances. When unexpected events occur, you may need the help of a professional to ensure that your assets are protected in a way that meets your needs.

Changing circumstances
Here are a few life events that cause many people to reach out to a financial professional:

  • Receiving an inheritance or financial windfall
  • Marriage, divorce, or the death of a spouse
  • A new birth or adoption
  • Planning for college
  • Buying or selling a family business
  • Changing jobs or careers
  • Planning for retirement

Of course, having some sensible, professional advice can allow you to create an overall strategy that can help weather such changes more easily. So while these are all good reasons for reaching out to an adviser, you don’t have to wait for such an event. A professional can help you plan at any time for savings, investments, and meeting your short- and long-term goals.

Benefits offered by financial professionals

  • A financial professional can apply his or her skills to your specific needs, and give you sound advice when financial markets fluctuate. Plus, he or she can help monitor changing markets — including new and changing legislative issues — to see how they’re affecting your portfolio. So you have greater peace of mind.
  • A financial professional may be able to help you see the big picture and make sure the various aspects of your financial life are integrated in a way that makes sense for you. That can be especially important if you own your own business or have complex tax issues.
  • A professional can give you a reality check to help make sure your assumptions and expectations are realistic — and offer advice that could help maximize your results (though improved returns are never a guarantee).

Tips for working with a financial professional
To get the most from your relationship with a financial professional, keep these things in mind:

  • Be sure to understand how they’re compensated for their services. Some receive an hourly fee, while others are paid through commissions, or based on a percentage of your portfolio’s assets and/or income.
  • Don’t hesitate to ask questions! And don’t get pressured into making a financial decision you don’t understand or aren’t comfortable with.
  • Be clear about the areas where you need help, especially if you’re not looking for a total overhaul of your financial plan. Also consider whether you need one person with broad-based expertise, or a team of specialists with one point-person to coordinate it all on your behalf.

And remember: You don’t have to be wealthy to use a financial professional. Everyone needs help for a wide variety of circumstances, and while some professionals do focus on working with larger assets, not all of them do.

Whether you're saving for retirement, want to increase your current stream of income or you're planning for future generations, we can help.

Now is the perfect time to talk to a Horizon Investment Advisor. Schedule your FREE review or call 888-873-2640 to speak with an Investment Advisor today.