2019年11月8日 • 4分钟
Today, your hopes and dreams are no different than in the past. Like most people, you probably want to buy a home, 让你的孩子读完大学,退休时有一份舒适的收入. But the world has become a more complex place than it was ten or twenty years ago, 尤其是当涉及到你的财务状况时. You may already be working with financial professionals – such as an accountant who advises you in a specific area. But if you would like a comprehensive financial plan to help you secure your future, you may benefit from the expertise of a 财务顾问.
Even if you feel competent enough to develop a plan of your own, a 财务顾问 can act as a sounding board for your ideas and help you focus on your goals, using his or her broad knowledge of areas such as estate planning and investments. 财务顾问可以帮助你:
A qualified 财务顾问 generally looks at your finances as an interrelated whole, and can help you with many of your financial needs.”
Maybe you have reservations about consulting a 财务顾问 because you’re uncertain about what to expect. Here are some common misconceptions, and the truth behind them:
在很多情况下, a specific life event or a perceived need may prompt you to seek professional financial planning guidance. 这些事件或需求可能包括:
在这些情况下, a financial professional can help you make objective, 而不是情绪化, 决定. However, you don't have to wait until an event occurs before you consult a 财务顾问. A 财务顾问 can help you develop an overall strategy for approaching your financial goals that not only anticipates what you'll need to do to reach them, but that remains flexible enough to accommodate your evolving financial needs.
We'd like to remind you that non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
Source(s) consulted: Broadridge Financial Solutions.
*Patelco不提供税务建议. For such guidance, please consult a qualified tax professional.
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