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Wednesday • January 6 • 2016
Financial Advice Column
What to Look For from a Financial Advisor BOB KRYGSHELD
Please Remember To Drink Responsibly
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There’s a lot to know about investing, so it’s a good idea to get some professional help. But with so many financial advisors out there, how can you choose one that’s right for you? You may have to i nter v iew severa l pr o s p e c t i v e f i n a n c i a l advisors before deciding on one. When you talk to them, see if you can get a sense of how they might work with you. Specifically, try to answer the following questions: Does t h is f i na ncia l advisor … …Un d e r s t a n d y o u ? Perhaps above all else, you want a financial advisor who will take the time to get to know you and your fa mi ly, your goa ls a nd what’s important to you. …Clea rly ex pla i n investing? Once you enter the investment world, you will likely be curious about it. Why is diversification i m p o r t a n t ? W h a t ’s a market correction? How do i nt er e s t r at e movements affect different investments? You will want to work with someone who w ill ma ke the effort to educate you and answer all your questions. … Know your investment st yle? Obv iously, you’ll want someone who will recommend only t hose i n v e s t m e nt s t h a t a r e i n you r be st i ntere st . T herefore, t he per son you choose needs to understa nd you r investment personality – that is, whether you are an aggressive, moderate or conservative investor. …Have a certain investment philosophy? Yo u m a y h a v e y o u r ow n i nve st ment st y le a nd preferences – a nd so do ma ny f i na nc ia l adv isors. In fact, some financial adv isors have an overriding invest ment ph i losophy that governs many of their recom mendat ions. You need to find this out before
you start work ing w ith someone. …C o m m u n i c a t e f r e quent l y ? T he mo s t knowledgeable financial a d v i s or i n t h e w or ld won’t be of much help to you if he or she is not a good communicator. You need someone who will regularly let you know if you’re on track or make s u g g e s t i on s i f y ou’r e not – even if you aren’t scheduled to meet for a while. You’ll want someone who will meet with you when it’s convenient for you, whether it’s in person or over the phone. … Av oi d m a k i n g bi g p r o m i s e s ? Yo u w a n t a f ina ncia l adv isor w it h t he expertise and experience necessary to help you make the right moves. And you’ll want someone committed to your success. But there’s a big difference between someone who promises to do the best possible job for you and someone who promises big results. Be wary of financial advisors who cla im t hey ca n consistently achieve high returns for you – there are very few guarantees in the investment world. … Explain how he or she w i l l be c ompen sate d ? Fi na ncia l adv isors get paid in various ways, often in some combination of fees a nd commissions. Ask all potential financial adv isors how t hey get compensated; any reputable professional will be upfront about his or her charges. By finding the answers to these key questions, you should be able to find a financial advisor who is wel l-su ited to work w it h you. So ta ke t he time you need to gather enough information to feel confident in your choice. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Bob Krygsheld 501 W Exchange St Crete, IL 60417 (708) 672-2892.