{"id":14754,"date":"2020-01-13T13:16:20","date_gmt":"2020-01-13T02:16:20","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=14754"},"modified":"2020-01-13T15:57:53","modified_gmt":"2020-01-13T04:57:53","slug":"what-does-financial-planner-do","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/what-does-financial-planner-do\/","title":{"rendered":"What does (should) a financial planner do for you?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"14760\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/what-does-financial-planner-do\/what-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"what-Email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?resize=1000%2C250&#038;ssl=1\" alt=\"financial planner\" class=\"wp-image-14760\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/what-Email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>An independent financial advisor does a lot more than\njust tell you how to invest your money. In fact, a lot of the work they do is\n\u2018behind the scenes\u2019 so I thought it was a good idea to share this information\nin a blog. This will give you a better idea of what a financial advisor does,\nand therefore whether you might benefit from having one. <\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/545325?theme=light\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">1. Develop a long-term strategy for you<\/h3>\n\n\n\n<p>One of the predominant reasons people engage a financial\nadvisor is to help them map out a long-term investment strategy to work out how\nthey will achieve their financial and lifestyles goals. This includes what to\ninvest in, how and how much, also when and similar considerations. I believe\nthat adopting a holistic approach will reveal the most efficient and effective\nstrategy because it considers all facets including super, property and shares,\ntax minimization and so on. <\/p>\n\n\n\n<p>A long-term strategy must be robust enough to accommodate\nexpected market and situational changes. However, it may be necessary to make\nsmall changes to the strategy as time elapses. <\/p>\n\n\n\n<p>Engaging the services of a professional advisor to help\nyou with this will yield numerous benefits including reassuring you that you\nare taking the right approach, ensuring you don\u2019t waste time and money pursuing\nthe wrong strategy, making sure that you have considered various strategies\n(e.g. an advisor might recommend an approach you have never thought of). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Research investment options and strategies <\/h3>\n\n\n\n<p>The financial services industry is very dynamic and\nalways changing. Fund managers are busily working hard to find an edge, a\nstrategy that will help them produces better returns. Also, academic and peer\nresearch is published at an increasing rate \u2013 again, trying to identify the\nfactors and market forces that will drive future returns. <\/p>\n\n\n\n<p>All advisors must keep on top of these new advances. More\nimportantly, an advisor must work diligently to separate fundamentally sound\nstrategies and products from \u201cmarketing\u201d. A fund managers job is to develop\nproducts to attract investors\u2019 funds. Sometimes, they pursue this goal at the\ncost of <em>quality<\/em> i.e. develop products that sound sexy but lack\nfundamentals and substance. Such products must be given a wide berth. <\/p>\n\n\n\n<p>I guestimate that I probably only use 1 out of every 50\nto 100 products or strategies that I investigate. There\u2019s a lot of rubbish out\nthere so \u2018buyer beware\u2019 is a good mantra to live by. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Keep up to date with all changes<\/h3>\n\n\n\n<p>It\u2019s not news to anyone that tax, super and compliance\nlaws are constantly changing. So, it is very important that an advisor keeps on\ntop of all these changes. For example, every month I spend 2 hours in a\nclassroom learning about all the recent tax changes (I must admit, it\u2019s not the\nhighlight of my month!). In addition, I attend numerous half and full-day events\nto keep on top of markets, products, strategies, credit policies,\nsuperannuation and so on. This is in addition to regular one-on-one meetings\nwith fund managers and reading lots of blogs and listening to podcasts. <\/p>\n\n\n\n<p>If you don\u2019t use the services of an advisor, you must\nconsider the opportunity cost of doing so, what are you missing out on?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Make sure you don\u2019t make any mistakes <\/h3>\n\n\n\n<p>Often, investing is very simple, but it\u2019s not always\neasy. The best evidence of this is that most Australians fail to accumulate\nenough wealth to enjoy a (self-funded) comfortable retirement. <\/p>\n\n\n\n<p>It is easy to get distracted by shiny objects. Or react\nto fear (tons of negative newspaper articles or hysterical predictions). And it\u2019s\noften tempting to try and take short cuts. <\/p>\n\n\n\n<p>But none of these actions will produce wealth in the long\nrun. In fact, the best case is that will waste time. Worse case is that you\nlose both time and money. <\/p>\n\n\n\n<p>Probably the most insidious mistake (in addition to the\nabovementioned ones) is procrastination. Sometimes, not making a decision is\nworse than making the wrong decision. That\u2019s because at least if you make the\nwrong decision you can course-correct as soon as you realise it. However,\nprocrastination can persist for many years and may cost you hundreds of\nthousands (even millions) of dollars (opportunity cost)!<\/p>\n\n\n\n<p>An advisor\u2019s role is to keep you on the straight and\nnarrow. To make sure you only make smart, fundamentally sound financial\ndecisions on a timely basis. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Help you manage your cash flow effectively <\/h3>\n\n\n\n<p>It is near on impossible to build wealth if you spend all\n(or more) of your income. Therefore, astute cash flow management is absolute\nkey, and its often not difficult or painful to achieve. <\/p>\n\n\n\n<p>In the most part, astute cash flow management is really\nabout making conscious decisions. That is, unconscious spending is the enemy of\nsuccessful wealth accumulation. The good news is that you can typically\neliminate unconscious spending without it having a noticeable impact on your\nstandard of living. A good advisor will help you achieve this, and this alone\ncould be an incredibly valuable benefit. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Take responsibility for making financial decisions<\/h3>\n\n\n\n<p>You don\u2019t have to feel burdened with the full\nresponsibility for making your family\u2019s financial decisions. You can get help.\nMuch like a business will hire a CFO (Chief Financial Officer) and hold them\naccountable for the results they produce, you can hire your personal CFO. <\/p>\n\n\n\n<p>Of course, it is your money so it\u2019s your responsibility\nto look after it. You cannot delegate that responsibility to someone else. This\nmeans you must take an active interest in how your money is spent, invested and\nhow its performing. However, it doesn\u2019t mean that you have to make all the\ndecisions. Many clients that I work with used to do this and they didn\u2019t enjoy\nthe responsibility. Now they know it\u2019s my job to worry about their money and agonise\nover their financial decisions. I\u2019m on the hook. All they have to do is ensure\nthat I\u2019m doing a good job and the longer we work together, the easier that is.\nIt gives them a lot of peace of mind and allows them to sleep peacefully at\nnight. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Review performance and consider whether changes are required&nbsp; <\/h3>\n\n\n\n<p>A very important task is to review investment\nperformance. You may not expect to beat the market each and every year, for a\nvariety of reasons. However, you definitely want to know if your investments\nhave performed as you have expected them to. <\/p>\n\n\n\n<p>This is important for two reasons. Firstly, if they\nhaven\u2019t performed as expected, then you may need to make some changes. And\nsecondly, you need to hold your advisor accountable for the results they are\nproducing. It is important to benchmark results too. I typically use two\nbenchmarks; Australia\u2019s largest industry super fund, AustralianSuper and the\nrelevant index. This provides a context for assessing performance. <\/p>\n\n\n\n<p>In my firm, we undertake a combination of formal and\ninformal reviews. A formal review will be when we engage with our client and\ndiscuss our findings. An informal review involves me reviewing the client\u2019s\nportfolio to identify if I\u2019m comfortable with everything or whether I want to\nmake some changes. <\/p>\n\n\n\n<p>Remember, longer term returns are the most important. You don\u2019t want to reward <a href=\"https:\/\/www.researchaffiliates.com\/content\/dam\/ra\/documents\/470-chasing-performance-with-etfs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">\u2018return chasing\u2019<\/a> as short term profit does not generate long term value. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Be on hand to answer questions, navigate any changes and assist with financial decisions <\/h3>\n\n\n\n<p>Most clients find great comfort in the fact that they are\nable to seek counsel from someone that is totally independent that they trust\nand that understands their personal circumstances and long-term strategy. This\nhelps people navigate the challenges and opportunities that life inevitably\nthrows at us with confidences and with a whole lot less stress. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. Help you protect you and your family <\/h3>\n\n\n\n<p>An advisor doesn\u2019t only help you build wealth but also\nprotect your wealth. There are two situations where this is important. <\/p>\n\n\n\n<p>Firstly, most people need to protect their assets from\nknown and unknown risks. This includes you having the right level of personal\ninsurance cover (including, Life, TPD, income protection and trauma) and if you\nare self-employed, business insurances (e.g. professional indemnity). You must\nensure your estate planning documents are structured correctly (wills, power of\nattorney, letter of wishes, binding financial agreements and so on). This also\nincludes any expected inherence receipts \u2013 so that any money received from an\ninherence is protected in a tax-effective environment. If asset protection is\nparticularly important then it may be best to use entities such as\ndiscretionary trusts and self managed super funds to hold some or all of your\nwealth. <\/p>\n\n\n\n<p>Secondly, at some point in life (mostly in retirement),\ncapital preservation becomes more important that investment returns. That is,\nit is more important to avoid losing money than it is to make money. In this\ninstance, it is important the client has the right asset allocation and\nunderstands the risks. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Its more than just investment advice\u2026<\/h3>\n\n\n\n<p>As you can see from the above, a financial planner\u2019s role\ninvolves more than simply telling you where to invest your money. Hopefully,\nthis knowledge will help you assess whether you could benefit from engaging a\nfinancial planner. If you already have one, you now know what they should be\ndoing to help you. Of course, if you have any questions, please do not hesitate\nto <a href=\"https:\/\/wealthcoach.com.au\/stage\/financial-advice\/\">reach out to me<\/a>.\n<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>An independent financial advisor does a lot more than just tell you how to invest your money. In fact, a lot of the work they do is \u2018behind the scenes\u2019&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What does (should) a financial planner do for you?<\/title>\n<meta name=\"description\" content=\"Here are 9 things that an indepenent financial planner must do for you to add value. 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