Financial Advisor Helps You Achieve Your Goals
By Cindy Diccianni, RN, CSA, CLTC
As a Registered Nurse, people often ask me
why I became a financial advisor. My personal
experience watching my own family suffer financial
devastation compelled me to become financially
intelligent. Also, I wanted to help others
achieve financial success.
you have never considered your personal financial
plan, now is the time to get started. When it
comes to saving money, time is your friend;
delay is expensive. Many people are approaching
retirement without enough money to live in the
manner to which they are accustomed. In fact,
many people are finding that they cannot afford
just to pay the bills is short-term thinking.
It's a survival mentality. A good financial
plan will take your future goals for retirement,
college planning, buying a home, purchasing
a vacation home - and make them a reality. With
the right plan, you experience peace of mind
and you can achieve your goals.
how do you plan properly? Do you know where
to start? That is where a financial advisor
can help. An advisor has the knowledge, expertise
and tools to help you get from where you are
today to where you want to be in the future.
There are certain things to consider when choosing
a financial advisor. And below is the information
you need to know.
a Financial Advisor
Is the financial advisor a Registered
Representative? A Registered Representative
has a broad knowledge of all aspects
of investing, estate planning, asset
management and insurance products. You
want to choose an advisor who can handle
all of these services for you.
Registered Investment Advisors charge
a fee for their services. This allows
the advisor to advise you on products
based on your needs, not on the amount
of money they might make.
The other type of financial service
provider is a Financial Planner. Financial
Planners are commission based. This
means they make money on the sale of
products, which may or may not be in
your best interests.
Is your advisor aware of your wants,
needs and financial comfort zones? Do
they listen well when you speak and
do they have a good understanding of
Can he/she communicate to you in an
understandable manner and be a resource
Does this advisor come recommended?
Personal recommendation is always a
Choosing the right Financial Advisor brings
peace of mind. Developing wealth and protecting
the assets you have worked so hard for, takes
time and with the right advice you can achieve
higher levels of financial success.
With A Financial Advisor
you initially meet with a financial advisor, you
will create a financial plan that will consist
of an assessment of the following:
assessing your current status and clarifying
your goals, your financial plan is implemented.
Regular evaluations need to be performed. Many
issues can impact your financial plan, such
as changes in your needs and goals, or unexpected
events. Your financial advisor needs to be updated
regularly so your plan can be modified to meet
your changing needs.
For The Rainy Day
is so easy to get caught up in the day-to-day
earning and spending of money that you can easily
delay planning for your financial future. But
without a plan, you may not have the money for
that "rainy day" that our parents
often talked about. By assessing your current
status and your needs and goals for the future,
creating a plan, and implementing that plan,
you will stay focused on your ultimate financial
financial advisor will help to keep you on course
with your financial plan. You'll learn to save
your money regularly so that it grows over the
course of your working lifetime. Knowing that
you are well prepared and well protected enables
you to live at ease because you know you will
have the money you need when you need it. Consider
the benefits of having a financial plan, good
sound advice and all the tools to implement
the process. That is what a smart financial
advisor will do for you.
Diccianni is a Registered Nurse,
a Certified Senior Advisor (CSA), a Registered
Investment Advisor and a Registered Representative
with Leigh Baldwin & Company member NASD
and SIPC. She is affiliated with Ortner, O'Brien
& Ortner Advisory Group, Inc. and co-founder
of Nurturing Your Success, Inc. Her passion
is assisting clients in creating the financial
freedom they dream of. You may visit Cindy at
or write to her at Cindy@nurturingyoursuccess.com.
You may also call her directly at (610) 251-9393.