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San Jose Financial Advisors

The best thing you could do concerning your finances is to get a financial advisor. Financial advisors are professionals that anyone with an income can afford to pay; they are not the preserve of the rich and wealthy. Finances get complicated as we grow old and as our financial obligations increase, which is why we all need someone who understands even the most complex of financial situations to dig us out of them.

San Jose is a city with highly qualified financial advisors; professionals who will not only teach you how to invest but professionals who will help you to avoid all the mistakes that most people make with their money.

Is It Time You Got A Financial Advisor?

The obvious answer to the above question is yes. If you live in San Jose, and you do not have a financial advisor, then you need to begin the process of acquiring an advisor who is right for you. If you have a planner who is not on your speed dial, then you need to update him or her on your current financial status and plan to develop a more intimate relationship with him or her.

Finding Financial Advisors In San Jose

Choosing a financial advisor is not quite as easy as most people would assume. A financial advisor who is great with your boss might not necessarily be the best one for you. You need a financial advisor who you are very comfortable working with. Here are some places you can begin your search:

The US.News online resource has a list of all financial advisors in San Jose together with the experience that each of them has in the business.

The BBB accredited financial planners are some of the best to work with and you can find them on the list of financial planning consultants.

The CFP list of professionals contains professional financial advisors in San Jose together with vital information about each one of them.

If you have friends, family, or other professionals who have financial advisors, you might want to ask them for advice, especially if they owe their financial success to their advisors.

Making The Choice

Make sure to settle for a financial advisor who has a current CFP Board certification. Their appearance on the CFP Board’s certification list will reveal their bankruptcy status in the last decade and their disciplinary status.

Make sure your financial advisor is a fiduciary, meaning that he or she is obligated to putting your best interests ahead of his or her own.

Make sure to understand the advisor's acceptable modes of payment. The most common ones include:

Flat rate: Where advisors charge a flat fee for their services.

Hourly Rate: Where the advisors charge for every hour they offer their services.

Fee-only: Where the advisor gets between 1-2% of your investment assets. This is a popular method preferred by most people.

Commission: Where the advisors get a commission from every product they sell to a client. The insurance industry thrives on this payment method.

Fee-based method: Where the advisors charge a combination of the fee-only and commission. This system is available for advisors who have a range of products and services.

Meeting with potential financial advisors before accepting their terms and conditions is a very good idea to find out more about the advisor's personality and likability.

Learn more about San Jose Retirement Planning here:

How Much Does It Cost to Retire in San Jose, CA?

What's the Cost of Living in San Jose, CA?

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