If you’ve started putting money into a 401(k) or other investment fund provided by your employer, it may not seem necessary to seek out a financial advisor. But when will it be the right time? Once you know what our financial planners can help you do with your assets, you might have a better idea!
A small percentage of our clients find us because they get excited about investing early in their careers—but these individuals find that what we do goes beyond investment management. We help people create a holistic financial plan that includes investments and preserves wealth over a lifetime. While starting early means that time is on your side, it’s never too late.
Still unclear what kind of difference a financial planner could make for you? In this article, we’ll highlight a few major life goals your DHJJ Financial Advisor can help you accomplish.
Provide for Your Spouse After Retirement and Beyond
If you’re the breadwinner in your family, it’s important to know that your husband or wife will have a steady income source, sufficient housing, and enough insurance should anything happen to you. Our dual-certified financial advisors and CPAs can make sure your spouse has both a reliable cash flow and some assets set aside for emergencies. We’ll also help your spouse tap into the right resources first, according to a tax-efficient plan we’ve created together. Work with an advisor now so your spouse will have the stability, later on, to maintain their lifestyle and feel good about spending what you’ve saved.
Help Aging Parents Through Estate Planning
As your parents get older, the time you spend with them is more precious. Talking about what will happen after they are gone is not easy, but having the conversation about estate planning now is the best way to ensure that their wealth gets passed on to the next generation. We can review documentation like wills and real estate documents, help you set up and manage trusts and help with gift planning and wealth transfer strategies. The last thing you want is to find out that there was something more you could have done to protect your parents’ estate. Avoid any surprises and start the conversation today.
Adjust Your Plan After a Life Event
As much as we love to make plans, we can never know exactly what life has in store for us. An accident or illness, career change, divorce, or death in the family can completely change your financial profile, and your wealth management plan will likely have to change too. There are also many more options for investing and managing your funds than just ten years ago. If you haven’t looked at your plan in a while and you’ve had some big life changes, now is a critical time to re-assess and make adjustments. Our advisors are here to help you explore your options and talk through big decisions that will impact your future.
At DHJJ Financial, we provide many of the perks of working with a big bank without the major disadvantages. Each of our advisors is a fiduciary, so they will always keep your best interests at heart. And finally, our advisors are here to stay—we won’t shuffle you around because we are here to help you build and implement a lifelong wealth management strategy, not climb the corporate ladder.
Are you starting to see some big financial goals on the horizon? Things may not seem very clear from this distance, but talking with your DHJJ financial advisor can get you moving in the right direction. Meet our team and get in touch with us to schedule a consultation today.
