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Best Financial Advisors in Marin County

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SmartAdvisor by SmartAsset logo
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SmartAdvisor by SmartAsset

Marin County, CA
  • Estate Planning
  • Financial Planning
  • Investment Management
  • Retirement Planning

Business Description

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
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4.0 / 5 (4)

Professionalism:

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4.0
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Price: Free consultation

Advice Only™ logo
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Advice Only™

520 Tamalpais Drive, Corte Madera, CA 94925
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Business Description

Advice Only is a financial planning firm that serves individuals and businesses in Marin County. It offers an online course on retirement planning and a financial plan developed by the company. The Advice Only plan includes a one-on-one financial plan analysis and a detailed financial planning report. It focuses on providing retirement planning advice, so it doesn't mention new products or companies. Advice Only was founded by Quincy Hall, who has been teaching financial planning classes for almost a decade.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)
Breen Wealth Management, LLC logo
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Breen Wealth Management, LLC

200 Kentucky Street, Petaluma, CA 94952
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  • Finance Planning

Business Description

Breen Wealth Management, LLC, serves clients in Marin County and the neighboring areas. The wealth management company enlists the expertise of financial advisors that guide clients through matters that include generational planning, tax planning, and prudent investment. The team proffers personal advice to clients with individual investments as well as maintaining and implementing steps that respect and protect clients' privacy. Brian Breen leads the firm with over 15 years of experience in investment management, financial planning, and managing high-net-worth accounts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Encore Wealth Advisors logo
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License Verified:

License: 115336

Investment Adviser Public Disclosure Database, SEC

Encore Wealth Advisors

8 Manor Rd, Fairfax, CA 94930
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  • Certified Financial Planner (CFP)

Business Description

Encore Wealth Advisors is a firm that works for clients in Marin County. It advises individuals who need to plan their finances. During a two-hour meeting with clients, its staff members assess financial opportunities, risks, and strengths. They craft written recommendations on how to handle one's resources or wealth. The company helps individuals follow step-by-step plans for financial security. Its owner, Mark Stempel, is a NAPFA-registered financial advisor and certified public accountant.

License Verified:

License: 115336

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Fairlead Financial Advisors, LLC logo
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License Verified:

License: 128855

Investment Adviser Public Disclosure Database, SEC

Fairlead Financial Advisors, LLC

400 Murray Avenue, Unit C, Larkspur, CA 94939
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  • Estate Planning
  • Certified Financial Planner (CFP)

Business Description

Fairlead Financial Advisors, LLC, is an independent investment advisory firm serving Marin County and nearby locations. It helps individuals and families achieve their financial goals through its array of wealth management solutions. The company offers estate and financial planning, personalized asset allocation, and portfolio construction and implementation services. It also creates graphical quarterly statements as well as investment and quarterly investment reports. Founder John Vreeland has been in the financial services industry since 1982. He is a CFP and a ChFC.

License Verified:

License: 128855

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Fiduciary Financial Group logo
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Fiduciary Financial Group

1101 Fifth Avenue, San Rafael, CA 94901
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  • Estate Planning
  • Finance Planning

Business Description

Fiduciary Financial Group is a company of financial advisors that offers services to Marin County residents. The company has a roster of financial professionals who are experienced in tax, accounting, investment, and legal matters. As such, they can offer appropriate advice for a wide variety of financial concerns encompassing real estate tax assets, tax strategies, insurance packages, financial investments, and estate plan design. Additionally, Fiduciary Financial Group serves high net worth retirees, tech professionals, business owners, and executives.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Hutchinson Capital Management logo
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Hutchinson Capital Management

700 Larkspur Landing Circle, Larkspur, CA 94939
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  • Finance Planning

Business Description

Hutchinson Capital Management is an independent advisory firm that offers financial planning and investment management services in Marin County and the surrounding metro areas. Since its establishment in 1995, the company has been helping clients make better financial decisions. It does this by helping clients understand and avoid investment fads and ill-timed trends that can lead to a negative financial impact. CEO Steven K. Wilkes previously worked for Wells Fargo, managing funds amounting to over $450 million.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Katy Song Financial Planning logo
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License Verified:

License: 4592147

Investment Adviser Public Disclosure Database, SEC

Katy Song Financial Planning

Mill Valley, CA 94941
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  • Certified Financial Planner (CFP)

Business Description

Located in Mill Valley, Katy Song Financial Planning serves individuals and families in Marin County and other neighboring communities. Founded by Katy Song, a CFP and a NAPFA member, it offers customized financial plans that address clients' goals, cash flow, debt, and investments. It also assists in planning education savings, tax payments, retirement, and estate. The firm also provides clients with the option to include their asset manager, tax planner, and insurance agents in completing a comprehensive plan.

License Verified:

License: 4592147

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Ketron Financial logo
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Ketron Financial

1701 Novato Boulevard, Novato, CA 94947
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  • Finance Planning

Business Description

Ketron Financial has been providing financial planning services to residents of Marin County and the surrounding communities since 1969. It offers a wide range of services, including investment management, risk management, and estate planning. The company provides diversified portfolios that fit its clients' needs and risk appetite. Additionally, Ketron Financial's professionals continually communicate with clients, updating them on new issues and reviewing their investment portfolios. Managing partner Russell W. Ketron has been in the industry for more than 49 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
LFA Private Wealth Management logo
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License Verified:

License: 5691133

Investment Adviser Public Disclosure Database, SEC

LFA Private Wealth Management

438 Ignacio Boulevard, Novato, CA 94949
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  • Private Wealth Advisor

Business Description

Founded in 2003, LFA Private Wealth Management serves Marin County. It provides financial advisory services in a fiduciary capacity to help clients achieve their financial and wealth management objectives. Its independent team of financial advisors offers alternative investments and multigenerational wealth planning. They create asset allocation models that reflect the goals and risk tolerance of affluent clients. They have more than four decades of combined industry experience. The company manages portfolios with a long-term perspective using technology and a network of strategic partners.

License Verified:

License: 5691133

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Marin Financial Advisors logo
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License Verified:

License: 135872

Investment Adviser Public Disclosure Database, SEC

Marin Financial Advisors

80 East Sir Francis Drake Blvd, Suite 1A, Larkspur, CA 94939
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  • Retirement Planning

Business Description

Marin Financial Advisors, based in Larkspur, caters to clients throughout Marin County. It offers financial advisory services, combining financial planning and investment management. It helps individuals and families in developing financial strategies with long-term benefits. It also handles wealth management, financial plan updating, insurance and estate plan review, household and business planning, and company stock and option monitoring. It employs its wealth management service model to assist clients with their specific financial goals. Dave Shore, the company owner, is the founding member of Marin Financial Advisors.

License Verified:

License: 135872

Investment Adviser Public Disclosure Database, SEC

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Marin Wealth Advisors LLC logo
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Marin Wealth Advisors LLC

899 Northgate Drive, San Rafael, CA 94903
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  • Finance Planning

Business Description

Marin Wealth Advisors, LLC, is a retirement planning and investment management firm that serves a wide range of clients, including businesses, individuals, and non-profit organizations throughout Marin County. It provides various services, such as financial coaching, tax planning, stock compensation consulting, and education planning. Its team of advisors retrieves the current performance of its clients' investments and helps them reallocate their assets. Additionally, the business's founder and principal, Robert Hunter, has been managing investment accounts for more than 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Meritas Wealth Management logo
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License Verified:

License: 148565

Investment Adviser Public Disclosure Database, SEC

Meritas Wealth Management

100 Larkspur Landing Circle, Suite 110, Larkspur, CA 94939
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  • Certified Financial Planner (CFP)

Business Description

Meritas Wealth Management provides financial services to customers in Marin County and the surrounding areas. It specializes in investment advice, retirement and financial planning, tax planning, and philanthropic legacy creation. The firm evaluates its customers’ cash flow, debt, net worth, and emergency reserves. It identifies risk management and investment strategies to help clients create wealth and acquire financial freedom and security. Founder Gregg Clarke became a financial advisor in 1990. He is a CFP with an MBA in Financial Planning.

License Verified:

License: 148565

Investment Adviser Public Disclosure Database, SEC

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Miller Pacific logo
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License Verified:

License: 171991

Investment Adviser Public Disclosure Database, SEC

Miller Pacific

80 East Sir Francis Drake Boulevard, Suite 3A, Larkspur, CA 94939
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  • Certified Financial Planner (CFP)

Business Description

Miller Pacific is an independent firm that works for clients in Marin County. It helps individuals, families, and businesses achieve their financial objectives. Its team follows the fiduciary standard, putting clients' interests first when recommending solutions for investment management. It provides tailored plans and executes strategies through a collaborative process. The company's founder, Leslie Miller, launched the Financial Women of the Year award event, which has collected over $2 million for scholarships.

License Verified:

License: 171991

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Redwood Financial Advisors, Inc. logo
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License Verified:

License: CRD#: 119798

Investment Adviser Public Disclosure Database, SEC

Redwood Financial Advisors, Inc.

165 N. Redwood Drive Suite 170, San Rafael, CA 94903
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  • Estate Planning

Business Description

Redwood Financial Advisors, Inc., is a firm that serves Marin County. It assists individuals in planning for retirement and provides goal tracking, performance reporting, and expense analyses to monitor their plans. Its "POISE" process integrates financial and estate planning, insurance, investments, and retirement distribution strategies to help clients achieve their goal of a financially secure future. The firm also handles charitable planning in the form of donor-advised funds, private foundations, and remainder trusts. Redwood Financial Advisors was established in 1992.

License Verified:

License: CRD#: 119798

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Shira Ridge logo
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License Verified:

License: 117627

Investment Adviser Public Disclosure Database, SEC

Shira Ridge

100 Larkspur Landing Circle Suite 203, Larkspur, CA 94939
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  • Certified Financial Planner (CFP)
  • Retirement Planning

Business Description

Shira Ridge caters to clients in Marin County and the surrounding areas. It helps them make informed financial decisions through investment advisory and wealth management services. Its strategy includes using low-cost index and exchange-traded funds while implementing active asset allocation. The firm's website features a consolidated reporting page where customers can track their current balances, monthly and quarterly reports, and performance information. Laurie Nardone, the managing principal, holds the CFP designation. She is a member of the Financial Planning Association.

License Verified:

License: 117627

Investment Adviser Public Disclosure Database, SEC

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Valley Oak Wealth Management logo
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Valley Oak Wealth Management

2 Ranch Drive, Novato, CA 94945
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  • Finance Planning

Business Description

Valley Oak Wealth Management can help Marin County clients looking for financial advisors. Its team of wealth management specialists helps clients through investment strategy, risk assessment, retirement planning, as well as wealth transfers and diversification. They help clients in planning about college and education, marriage, travel, business transition, and inheritance. They also educate clients about unexpected life events like death and divorce. Timothy Russell, its owner and founder, has been doing financial consulting for more than 25 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Westhill Financial Advisors logo
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License Verified:

License: 152506

Investment Adviser Public Disclosure Database, SEC

Westhill Financial Advisors

999 Fifth Avenue, Suite 300, San Rafael, CA 94901
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  • Certified Financial Planner (CFP)

Business Description

WestHill Financial Advisors caters to individuals in and around the Marin County area. It offers various financial advisory services, such as financial planning, investment management, qualified retirement planning, and risk management. Its team of CFP® specialists helps clients assess their financial standing and creates a customized plan for their goals. Its team comprises financial advisors with over 200 years of collective industry experience. The company was initially founded as Taddei Ludwig and Associates in 1989.

License Verified:

License: 152506

Investment Adviser Public Disclosure Database, SEC

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Back to Providers

Frequently Asked Questions

Introduction

There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

  • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
  • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
  • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
  • An investment advisor offers investment advice and recommendations to individuals or organizations.
There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

Are financial advisors worth it?

Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

What does a financial advisor do?

Financial advisors can have many types of specialties. Generally, a financial advisor advises on or helps to execute a financial plan. Some examples include assisting people with getting out of debt, building out an investment portfolio, and handling taxes.

How much money do I need to work with a financial advisor?

There’s no specific income level you need in order to work with a financial advisor, but there may be a minimum investment amount for certain types of services. Some financial advisors won’t manage your money unless you have $100,000 or more to invest, but this isn’t the case with financial coaches or robo-advisors.

What does a financial coach do?

Financial coaches focus on improving your financial literacy and money management skills. For example, they can help you figure out how to pay down your student loans or decide how much money to put away for retirement. They usually charge by the hour and don’t offer asset management services or investment advice.

When should I use a financial advisor vs. doing it myself?

Smart money management can give you freedom and comfort. Being responsible with your money makes it possible to meet goals and pay for major expenses. A financial advisor is trained and can offer you expertise that would otherwise take years to learn. They know how to save you money and make it go further.

How do I know if my financial advisor is trustworthy?

Because financial advisors aren’t licensed or regulated, it’s up to the client to make that determination for themselves. However, if your advisor is a fiduciary, that means they’re legally bound to act in your best interest. Some types of advisors, including Certified Financial Professionals (CFPs), are held to fiduciary standards.

What\'s the difference between a financial advisor and a financial planner?

The term financial advisor is a broad phrase that encapsulates many specialties, including financial planner. It's similar to how doctor applies to different physicians, while a cardiologist is a specialty doctor. A financial planner helps their client plan to achieve long-term financial goals, such as saving for a house or retirement.

Are financial advisor fees tax deductible?

Until 2018, financial advisor fees were tax deductible as a miscellaneous expense. However, the Tax Cuts and Jobs Act elimited that deduction until at least 2025.

What is a financial consultant?

A financial consultant and a financial advisor are essentially the same. In recent years, financial consultant has become a less popular term, with financial advisor being much more common. Sometimes, the financial professional may opt for the term consultant when offering services to a business rather than an individual.

What is a robo-advisor?

A robo-advisor is essentially an algorithm that manages your investment portfolio for you. Because their services are automated, you’ll pay less than you would for a human advisor — often between 0.25% and 0.50%. They don’t require large initial investments either, making them a popular choice for entry-level investors. However, you won’t get the same level of advice that you would get from a personal financial advisor.

What makes someone a fiduciary?

Fiduciary is a legal term for a person who has a legal or ethical responsibility to act in your best interests. For example, a trustee and a beneficiary. A financial advisor may have a fiduciary obligation to make financial choices that are best for you, even if it means they earn less in commissions or fees.

How often should I meet with my financial advisor?

After your initial meeting, you may only need to check in with your financial advisor on a quarterly or annual basis. Ask them in advance how often you can expect to hear from them, and whether they offer in-person, phone, or virtual meetings.

Should your financial advisor be a fiduciary?

It’s important to understand that only some — not all — financial advisors have a fiduciary obligation to their clients. Always ask your financial advisor if they’re bound by fiduciary duty. If not, it’s possible that they’ll push products or services that earn them the highest commission, not necessarily what’s best for you. Opt for a financial advisor bound by fiduciary duty whenever possible.

Can my financial planner help with taxes?

Financial advisors aren’t necessarily accountants or tax preparers, so don’t expect them to prepare your taxes for you. However, they may be able to provide tax-related advice to help you optimize your returns and deductions. If you need an advisor who can file your taxes, look for one who is also a CPA (Certified Public Accountant).

Do I need a financial advisor?

Ask yourself if a financial advisor can fill a need or solve a problem you can’t easily handle on your own. They can be helpful in a wide variety of ways, such as building budgets or financial plans, finding ways to save money on taxes, creating an investment portfolio, or offering investment advice.

How do financial advisors get paid?

Clients pay to work with a financial advisor whether it’s through fees, commissions, or salaries. If they’re paid by client fees or commissions, their salary is tied to how much business they bring in. The harder they work, the more they make. In comparison, a salaried employee is guaranteed their wage no matter how many clients they have.

What experience should I look for in a financial advisor?

 If you have specific goals or a unique financial situation, look for a financial advisor with expertise in that area. For example, some financial advisors specialize in working with millennials or focus on socially responsible investing.

How much does a financial advisor cost?

A financial advisor’s costs depend on their fee structure. Some advisors charge a fee — either hourly or a percentage of the client assets under management. Another common option is to charge a commission on the products sold or investments made.

Should I hire a financial advisor before buying a house?

While not always necessary, a financial advisor could help you decide how large of a mortgage to apply for, how much money to put down, and how to balance the purchase with other savings and investment goals.

How many financial advisors are there in the U.S.?

According to the U.S. Bureau of Labor Statistics, it’s estimated that there are 218,050 financial advisors. California is the state with the highest employment of financial advisors across the nation.

Do banks offer financial advisors?

Yes, many banks have financial advisors on staff. Your bank may also offer incentives to work with their financial advisors, such as lower fees or free accounts. However, it's important to note that many of the bank's financial advisors don't have a fiduciary obligation and might prioritize the bank's products above all else. There is a cost when working with your bank's financial advisor.

Should I hire a wealth manager?

A wealth manager can help offer complex financial planning services, including tax guidance, estate planning, and legal assistance. While you don't have to be a high-income earner to benefit from a financial advisor, a wealth manager is typically for those that have a high net worth. However, many people build wealth and need a wealth manager later on in life.

Is wealth management worth it?

Wealth management is typically worth it for those who need help with multiple endeavors or comprehensive financial situations, such as charitable contributions or investment portfolio management, or want to protect their assets. A wealth manager can also offer you guidance if you’ve been neglecting your finances or making poor judgements.

How can you tell if a financial advisor is bad?

Your relationship with your financial advisor is a very personal one, as you’re trusting them with your wealth and future. Some general signs that your financial advisor is bad include:

  • They can’t answer your financial questions
  • You have worked with them for a while but haven’t seen a financial improvement
  • They don’t provide you with progress reports
  • They don’t check in with you

What do you need to be a financial advisor?

As mentioned, there are over 100 types of certifications for financial advisors. The training or experience you need will depend on which specialty you want to pursue. Generally, financial advisors need to have:

  • A Bachelor’s degree
  • A General Securities Representative license (Series 7 license)
  • A Certified Financial Planner (CFP) certification isn’t mandatory but is often preferred

Where do financial advisors work?

Where a financial advisor works will depend on what type of financial advisor they are. Financial advisors can work at a variety of places, including:

  • Securities and commodity brokers
  • A bank
  • A credit union
  • Independently
  • Insurance companies
  • Financial investment firms
  • Small investment advisory firms

How much do financial advisors make?

In 2019, the national average salary for a financial advisor was $87,850. However, it’s important to note the average salary varies from state to state and the different focus areas — an investment advisor may make a lot more than a financial planner. Lastly, salary can depend on how the individual is getting paid. Financial advisors can be paid by client fees, commissions, or salaries.

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