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Tucson Financial Advisors

If you are trying to meet your financial goals, hiring a certified financial planner (CFP) may help you reach those goals faster. Most people are not prepared for retirement or the 20 to 30 years they may live after retirement age. A CFP can help you create a doable financial plan, assess your risk, and offer suitable, and potentially lucrative, investment advice.

Not only that, but a financial advisor can also review your finances to see if you are saving enough for retirement or paying out too much in taxes or investment fees. There are several CFPs in the Tucson area that can get you started on the path to meeting your goals.

When to Start Using the Services of a Financial Planner

You will want to consider using the services of a financial planner as early as possible. With time on your side, you may be able to invest more while still working. The advisor will make recommendations based on your level of risk and your financial goals.

If you have a financial planner you use, consider meeting with him or her on an annual or semiannual basis to review your portfolio. Anytime you experience a life event, such as marriage, divorce, or the death of a loved one, consult with your advisor to see how this may change your holdings.

Where to Locate Financial Planners in Your Area

The following is a list of sites you can use to search for certified financial planners in the Tucson area:

The CFP Board of Standards features a database of CFPs that you can search for using the advisor’s name or location.

The Better Business Bureau (BBB) of Southern Arizona has listings for 21 financial advisor businesses within 100 miles of Tucson.

The National Association of Personal Financial Advisors (NAPFA) hosts a database of fee-only CFPs you can search using the CFP’s name or location.

Ask your family attorney or elder-law attorney for additional financial advisors in the area.

What You Should Know Before Choosing a Financial Planner

Financial planners are paid in one of three ways: fee-based, commission-based, and a combination of charging fees and earning commissions. The fee-based model allows the CFP to charge a percentage on your holdings annually based on the performance of your portfolio.

The commission-based model can cause a conflict of interest if the CFP sells you investment products you do not need in order to receive a kickback. If the CFP you are interviewing works off of this model, confirm that they are a fiduciary, meaning they must put your best interests first in all transactions.

CFPs that charge fees and earn commissions usually offer several services to their clients other than just investments. This can include money management in other areas.

Before interviewing a prospective advisor, ask your network, friends, family, and coworkers for recommendations. You can also check the certification status and credentials on the CFP Board’s website. The site also lists any disciplinary actions taken by the Board against the CFP.

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