The value of advice
Analyzing, selecting and regularly monitoring an investment portfolio requires more time than most individual investors can afford in their busy lives. Many individual investors, like you, rely on the experience and expertise of qualified investment professionals to help them achieve their financial goals.
A Financial Consultant takes the time to ask a series of important questions about your current finances and investment goals. Then, after conducting extensive analysis of your total financial situation, he or she recommends and helps create an asset allocation plan with your specific needs in mind.
Asset allocation is the process of spreading assets over different investment classes, such as stocks, bonds and money market funds. Asset allocation is a critically important process because it is chiefly responsible for the investment returns that you will earn in the years ahead.
From there, your Financial Consultant carefully selects the most appropriate investments for your portfolio. As your needs change over time, he or she will work with you to re-allocate those assets among different investments to ensure your portfolio best represents your goals at all times.
With a Financial Consultant by your side, you have more than a single professional helping to secure your financial future. A Financial Consultant is backed by the extensive resources of his or her firm to ensure that you will receive the highest level of quality service at all times.
A Calming Influence
One of the most important lessons to successful long-term investing is to stay the course through both good times and bad. Individuals who do their own investing have a strong tendency to deviate from this basic rule because they are often affected by the market's gyrations.
When you work with a Financial Consultant, you will also have the comfort and support of a full-time professional who can provide the guidance you need when markets become volatile and, more important, help keep you on course in pursuing your long-term investment goals.
A Valued Resource
With today's rapidly changing investment landscape, financial education has never been more important to individual investors like you. The more you understand about the available investment opportunities, the more comfortable you feel about investing and the better positioned you will be to meet your long-term goals.
When you have a Financial Consultant working on your behalf, you can be sure that you will receive the educational materials needed to keep you informed about your investment options. He or she will also serve as your valued resource in answering your questions.
Whatever your financial goals, whatever your time horizon, keep one important fact in mind: There's a financial professional who's just right for you.
Chris Barone is the senior vice president and branch manager of the D.A. Davidson & Co. branch in Coeur d'Alene. Contact him at 667-1212.