{"id":13715,"date":"2022-07-13T11:05:42","date_gmt":"2022-07-13T16:05:42","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=13715"},"modified":"2022-07-13T11:05:42","modified_gmt":"2022-07-13T16:05:42","slug":"financial-advisors-can-supercharge-your-retirement-so-why-the-hesitation","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/financial-advisors-can-supercharge-your-retirement-so-why-the-hesitation","title":{"rendered":"Financial Advisors Can Supercharge Your Retirement, So Why the Hesitation?"},"content":{"rendered":"<p><strong>Many people often wonder: Is a financial advisor worth it? With an abundance of free advice online, why pay for the help? If you&#8217;re unsure whether a financial advisor is for you, here&#8217;s how to determine your answer.\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">If you manage your own money, you are like most other Americans, according to the new\u00a0<a href=\"https:\/\/www.cnbc.com\/2019\/11\/11\/two-thirds-of-adults-fear-a-recession-could-come-next-year-survey-finds.html\">CNBC Invest in You survey<\/a> released Monday. In fact, only 1% of those polled said they use a financial advisor. And when it comes to older Americans nearing retirement, only 52% of pre-retirees and 44% of retirees consult a financial planner or advisor (according to <a href=\"https:\/\/www.soa.org\/Files\/Research\/research-2014-retire-survey-findings.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-ga-track=\"ExternalLink:https:\/\/www.soa.org\/Files\/Research\/research-2014-retire-survey-findings.pdf\" aria-label=\"a new report\">a new report<\/a>,\u00a0<i>Understanding and Managing the Risks of Retirement<\/i>, from the Society of Actuaries).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So how do you know if you are making the right money moves without experienced financial pointers? Consider <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/financial-security-march-2019\/\">this<\/a>: Most Americans don&#8217;t know how much money they should be saving and investing each month\u2014and they don&#8217;t know how much they should be contributing to their employer-sponsored retirement accounts. Therefore, people need to be honest with themselves if they are interested in managing their money. Ultimately, the only person who can determine whether you need a financial advisor is you.<\/span><\/p>\n<h4><strong>To Hire a Pro, Or Not to Hire a Pro?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">When we make big decisions in life, most of us look for a source of expertise and guidance to help us make thoughtful choices to meet our individual goals and needs. Hiring a financial advisor is one way to build more wealth in retirement. But if there is one universal truth about money, it\u2019s that people think they have a lot more financial expertise than they really do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For most investors who choose to work with an advisor however, advice is not just about investments. It&#8217;s also about helping them build a <a href=\"https:\/\/johnsonwim.com\/services\">personalized plan<\/a> around their full financial picture designed to help them pursue multiple goals, grow wealth, and take care of the people who matter most.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Every investor&#8217;s situation is different, so everyone will find different value in an advisor relationship. Generally speaking, a financial advisor will probably be worth it for you if:<\/span><\/p>\n<ul>\n<li>You&#8217;re close to retirement.<\/li>\n<li>Your financial situation is too complex for search engine help.<\/li>\n<li>You need help with an investment strategy.<\/li>\n<li>You use emotions in investing decisions.<\/li>\n<li>You need tax guidance.<\/li>\n<li>You need advice on estate planning.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A financial advisor may <em>not<\/em> be worth it for you if:<\/span><\/p>\n<ul>\n<li>You are comfortable making your own investing decisions.<\/li>\n<li>You&#8217;re a long way away from retirement.<\/li>\n<li>You can manage your portfolio confidently.<\/li>\n<li>You aren&#8217;t interested in complex planning strategies such as tax minimization.<\/li>\n<li>You have a fool-proof estate plan in place.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Perhaps one of the biggest reasons TO get an advisor from this list, is to build your retirement fund.<\/span><\/p>\n<h4><b>Retirement Gains<\/b><\/h4>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.bankrate.com\/surveys\/financial-security-poll-november-2019\/\">As mentioned, most Americans<\/a> are behind when it comes to saving for retirement; which is where a financial advisor can shine through. A<\/span><span style=\"font-weight: 400;\">\u00a0recent<span style=\"font-weight: 400;\"><a href=\"https:\/\/advisors.vanguard.com\/iwe\/pdf\/ISGQVAA.pdf\"> Vanguard study<\/a> found that on average, a self-managed $500,000 will grow to $1.69 million in 25 years by following typical savings\/investment rules. However, with a financial advisor on board, that same $500,000 would grow to an average of $3.4 million! What&#8217;s more, <a href=\"https:\/\/www.investpmc.com\/sites\/default\/files\/documents\/PMC-CAP-SIGMA.pdf\">industry studies<\/a> estimate that professional financial advice can add between 1.5% and 4% to portfolio returns over the long term, depending on the time period and how returns are calculated.<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another big advantage of hiring a financial advisor is that they can help clients navigate the various economic ups and downs on the road to retirement that go beyond just recommending certain investments. This is especially beneficial in times of economic uncertainty and rising interest rates \u2014 like now. They can look at your plan objectively, and help you figure out what is working and what may need improvement. Your advisor can also help you stay level-headed when the market experiences volatility, preventing you from\u00a0buying or selling at the wrong time out of fear or anxiety.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best advisors understand how people make decisions about their money \u2014 not just how markets work \u2014 so they can recommend solutions that work for you.<\/span><\/p>\n<h4><b>Why Johnson Wealth and Income Management\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Are you looking for a way to grow your wealth and build up retirement savings? If so, hiring a financial advisor is a great place to start. The <a href=\"https:\/\/johnsonwim.com\/iowa-fiduciary-services-part-3-retirement-planning\">Fiduciary Financial Advisors<\/a> at Johnson Wealth and Income Management help clients prepare for retirement by helping them navigate the oftentimes complicated world of financial planning and investment management. By working with us, you can rest assured that your money will be invested in ways that are designed to keep up with changes in the economy, as well as your own personal situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To summarize, we can help you with your financial planning so you can have peace of mind while pursuing your life goals. W<span style=\"font-weight: 400;\">e are committed to breaking down the common misconceptions about financial advisors by educating our clients and communities through workshops on topics related to more conservative investment alternatives. We also offer a<\/span><a href=\"https:\/\/johnsonwim.com\/services\"><span style=\"font-weight: 400;\"> wealth of services <\/span><\/a><span style=\"font-weight: 400;\">custom-designed to help you get the most from your retirement.\u00a0<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want professional guidance to help make the best out of your retirement plan or choose products that will strengthen your investment mix, <\/span><a href=\"https:\/\/johnsonwim.com\/contact\"><span style=\"font-weight: 400;\">contact us here today.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<hr class=\"wp-block-separator\" \/>\n<p>All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth &amp; Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth &amp; Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth &amp; Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2021 Sound Income Strategies.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many people often wonder: Is a financial advisor worth it? With an abundance of free advice online, why pay for the help? If you&#8217;re unsure whether a financial advisor is for you, here&#8217;s how to determine your answer.\u00a0 If you manage your own money, you are like most other Americans, according to the new\u00a0CNBC Invest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[147,121,148,28,30,94,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Advisors<\/title>\n<meta name=\"description\" content=\"Many people often wonder: Is a financial advisor worth it? 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