What Is The Best Retirement Advise For 2015?
If you are ready to retire this year, you are most likely looking for the best retirement advise for 2015. One question you may want to ask yourself before you stop working completely is whether or not a financial planner will be of any help before, during and after your retirement.
Financial planners are a type of an investment advisor so if you are looking for specific help on your investments, you may consider consulting with a financial planner. But before you hire one, research other sources. If your employer offers free retirement seminars, take advantage of those first. You can look into online retirement courses. Your local college may offer some refresher courses on retirement investing.
Retirement Advise For 2015 Involves Research
If you are ready to retire you have worked hard to get there so you do not want to squander your financial freedom by wasting money. Do your research before spending money on an adviser. Most financial advice comes at a price. These investment professionals all need to be paid for services rendered, right? Choose a financial professional that you trust but also that fits within your budget.
Your Search For Financial Advisers, Financial Advisors
When you do your investment advisor search you can choose from a fee only financial planner, financial advisor salary based or financial planner salary based. The difference in how the financial professional gets paid for services rendered can make a difference in how much you will spend. Fee based means the planner will charge you one flat fee. Salary based could mean the adviser only gets a salary whether or not they sell you any product or not. But salary based advisers also could get a commission plus salary. Be careful with financial planners who receive commissions; they may or may not sell you a product that fits your personal financial needs.
If you are ready to retire you have achieved a bit of financial freedom and financial well-being. You know what you want out of your retirement years. It’s okay to reach out and hire a financial planner if you need some help connecting the lose ends; just plan before you hire.