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Chandler Financial Advisors

In the Chandler, Arizona area there are many financial planners available to help people reach their long-term financial goals. However, are they taking advantage of this fact and reaping the benefits of sound financial guidance and advice?

Unfortunately, the common idea is that financial planning is only important once you have significant assets to manage. This is simply not true.

A credentialed and knowledgeable financial planner can help almost anyone to make the most of their money and set themselves up for a comfortable old age.

Everyone needs to make important financial decisions in the course of a lifetime, and a financial planner can advise you on your best options.

Whether you need help with long-term tax planning, retirement, or the disposition of your estate, a financial planner can guide you.

The Best Time to Start

The best time to start using a financial planner is as soon as possible. The sooner you have someone to help you manage your money, the more time you’ll have to build your assets for important life events.

From buying your first home to retirement, you need to have your financial ducks in a row. A good financial advisor will help you line those ducks up.

Finding Financial Planners

You can begin your search by asking friends or family that already have a financial planner for recommendations. There are also handy online resources that you can use to assemble a list of likely candidates.

Here are handy online sources to help you:

Find financial planning consultants on the Better Business Bureau of Arizona website.

Use the CF Board of Standards convenient searchable database.

Choosing a Competent Financial Advisor

There are important things you should look for when deciding on a financial advisor:

Check the planner’s credentials; the CFP Board of Standards has an easy to use tool available on their website here.

You can use it to check if their certification is current.

Ask if the planner is a fiduciary. A fiduciary is required by law to look out for your best interests first.

How are Financial Planners Paid

The financial planner you choose is compensated in several different ways.

The planner can be paid by the hour; this can be the best choice for someone who hasn’t acquired much in the way of assets yet.

Another compensation model is fee-based; the planner will take a percentage of your holdings (usually 1%). This can be preferable because the planner’s compensation is directly tied to his performance.

The least preferable manner to pay your financial planner is the commission based method. The planner will receive payment from the financial product companies he represents. Obviously, this can possibly result in a conflict of interest.

Those financial planners who offer both financial and insurance products may be paid using a mix of commission and fee-based compensation. This is because insurance products are usually only commission based.

Do What’s Best for You

Research the best options for your situation and stage of life. Don’t be afraid to ask lots of questions when meeting with the planner. You should be able to make the right choice.

Learn more about Chandler Retirement Planning here:

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