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I am a Fee-Only personal financial planner and advisor.
But please be careful, because the terms “financial
planner” and “financial advisor” are
used (and sometimes abused) by financial service providers
to mean many different things. Often it seems that every
insurance agent and stock broker has a card printed with
“financial planner” or “financial advisor”
on it. Let me go on record as saying that there is a place
for insurance agents and stock brokers, but there is a
big difference between what they do and what I do. The
question then becomes “Well, Barry, what’s
the difference? “
I’m not a stock broker, an investment manager,
a tax accountant, or an insurance agent. What I do is
different from those people, and there is a lot more
to it. Ask yourself this: how can you achieve any financial
or life goals (especially the big ones) if the people
trying to help you are all working in isolation? How
can you get where you want to go if your advisors have
incentives to promote products and services that maximize
their income and not yours. It’s a self-defeating
set-up at best. As a Fee-Only advisor, I coordinate
and integrate all pieces of your financial life into
a path that will lead to your financial freedom---whatever
that represents to you--whether it’s having enough
money to retire to the mountains and paint, to travel
the world while your kids are still in college, or even
to change jobs or professions, but continue to work.
The key to making this happen is a comprehensive, holistic
approach focused on you and your goals, not mine.
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