16 Valid Reasons You Need a Financial Advisor

October is Financial Planning Month. If doesn’t matter if you make $20,000 or $20,000,000 a year, everyone needs help with managing their money and meeting their financial goals.  You can use self-help resources such as books, television shows, seminars or courses but you may reach a point where you need additional help, that’s when a financial advisor comes in handy. If you do not have a financial advisor you should consider hiring one as your income increases, lifestyle changes occur such as marriage and children and assets increase such as purchasing a home, investment property or starting a business.

Financial advisors help clients reach their financial goals including retirement, paying for college education or starting a business.  Some financial advisors can also assist with creating a budget or spending plan, paying down debt, choosing investments, managing their finances, taxes, savings and wealth management.

There are 2 types of financial advisors:  fee-only and commission-based.  Fee-only advisors charge a fee for their services usually $150-$300 an hour or per session or may charge a fee based on the annual percentage of assets that are managed. Fees should be disclosed up-front. Fee-only advisors offer unbiased advice because they are not motivated or required to sell products and services to get paid.

Commission-based advisors receive a commission by fund companies or brokerages for the sale of financial products and services and receive a percentage of the total amount clients invest in specific products.  Commission-based advisers receive a percentage of the total number of transactions a client makes and may charge 0.5% - 2% of the assets they manage for each client.

A financial advisor can:  help you generate more money for you and your family, help you to be better prepared for changes in your life (death, illness, layoff, children, etc.), provide protection against mistakes and unexpected circumstances (death, illness), provide stability and peace of mind by ensuring your financial goals are met, save time, provide guidance on retirement and investment options, decrease your tax liability, determine insurance needs, minimize taxes, analyze risks, and develop a plan to manage your business finances. Here are 16 reasons you need to hire financial advisor or financial planner:

1. You want to learn how to track spending.
2. You need help to create and meet financial goals.
3. You want to plan for retirement.
4. You want to address credit issues.
5. You want to develop good spending habits.
6. You want to organize your finances.
7. Getting married or getting a divorce.
8. You experience a financial crisis.
9. You buy or sell a home or investment property.
10. If you have $300,000 or more in investments.
11. You have a lump sum of money to invest.
12. You want to retire early, start a business or do volunteer work in another country.
13. You want to setup investments accounts to fund college education or other expenses for family members. However, you should contact an estate attorney to setup trusts of similar types of accounts.
14. Death of a spouse.
15. You want to donate a large sum to charity.
16. You want to analyze your insurance needs.

Generate Wealth Right Now

                                              

Whatever you have been doing before regarding your finances stop doing it. See the advice of a true financial expert to help you blast away bad financial habits and achieve the life you always wanted. 

You go to see a dentist when you have a tooth problem, a doctor when you are sick, a mechanic when you car needs repair, a lawyer for legal advice, so why don't you hire a financial expert to help you with your finances? Well you still have time.  

Take charge of your finances now and go into 2016 with a bang!

I also have some great financial programs for you!

Financial Group Coaching

I now offer Financial Group Coaching. Group coaching will offer you financial advice, tools and resources in a collaborative forum with other like-minded individuals. This is an exclusive program with a small number of participants.

If you are interested in group coaching contact me at consulting at hefreemanenterprises dot com. You can buy now at https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=2GAW67KF35WHN.

If you want to go deeper and get more assistance here are some high impact programs to help you with your finances.

Financial Freedom Program

If you owe lots of debt, have bad credit and overspend, I have a Financial Freedom Program. After completing this program clients: will owe less money, will increase their credit score, free up money for unexpected emergencies, increase their household cash flow, will stop overspending, be able to buy what you want and need, best use of the money you have, and be able to plan for the future. I had a client who was struggling with debt. They had been a renter for twenty years and did not believe homeownership was possible. I helped the client create and maintain a budget, become debt free, increase their credit score by 120 points and was approved for a mortgage loan with a low interest rate. The client was the first person in her family to become a homeowner and became a role model for her daughter who also became my client. If you want to become debt free, have good credit and have money left over each month click here to purchase this program now! 

Financial Makeover Program

If you owe lots of debt and have bad credit I have a Financial Makeover Program. After completing this program clients: will owe less money, will increase their credit score, free up money for unexpected emergencies, and increase their net worth. I had a client that filed bankruptcy, had a repossession, had bad credit, and no savings. I helped the client rebuild their credit and they were able to purchase a single family home with a low interest rate, purchase two vehicles and pay down credit card debt. The client was also able to create financial goals such as starting a business. If you want to become debt free and have good credit click here to purchase this program now!

Credit Score Program

If you have bad credit, I have a Credit Score Program. After completing this program clients: will feel better, will get easily approved for personal or business credit, will have negotiating power, increase job opportunities, will save money in fees, will increase liquidity, and have more options and more choices when spending money. I had a client who had a 420 credit score and I assisted them by increasing their credit score to 700. They were able to purchase a home and create financial stability for their family. If you want to have, good credit click here to purchase this program now!

Only a few spots left. Sign up here. https://www.eventbrite.com/e/financial-coaching-via-email-with-harrine-freeman-tickets-18894997446

 

The second is a Phone Financial Coaching Program. In this program, you will get financial advice for 45 minutes once a week for 5 weeks. You get expert advice to all the financial topics you ever wanted to be answered. 

Topics include but are not limited to: credit, debt, budgeting, saving, investing, retirement, paying for college, paying off student loans and more.

Only a few spots left! Sign up here. https://www.eventbrite.com/e/financial-coaching-via-phone-with-harrine-freeman-tickets-19049620929

If you woud like more information feel free to contact me at consulting at hefreemanenterprises dot com.

I also create customized programs to fit your specific needs. Take action today. Don’t wait. Contact me at consulting at hefreemanenterprises dot com.

Kind regards,

Harrine Freeman

Owner, H.E. Freeman Enterprises

www.hefreemanenterprises.com

Financial Expert/Speaker/Author

As seen in Forbes, MSN Money, Marketwatch, NASDAQ.com, Yahoo

http://hefreemanenterprises.blogspot.com  (blog)

http://www.twitter.com/harrine

Why the 99% Need a Financial Advisor

                                             

If doesn’t matter if you make $10,000 or $10,000,000 a year, everyone needs help with managing their money and meeting their financial goals even though with a degree in finance, economics or mathematics. No one knows EVERYTHING there is to know about money.  We all can learn something. 

You can use self-help resources such as books, television shows, seminars or courses but you may reach a point where you need additional help, that’s when a financial advisor comes in handy. If you do not have a financial advisor you should consider hiring one as your income increases, lifestyle changes occur such as marriage and children and assets increase such as purchasing a home, investment property or starting a business.

Financial advisors help clients reach their financial goals including retirement, paying for college education or starting a business.  Some financial advisors can also assist with creating a budget or spending plan, paying down debt, choosing investments, managing their finances, taxes, savings and wealth management.

There are 2 types of financial advisors:  fee-only and commission-based.  Fee-only advisors charge a fee for their services usually $150-$300 an hour or per session or may charge a fee based on the annual percentage of assets that are managed. Fees should be disclosed up-front. Fee-only advisors offer unbiased advice because they are not motivated or required to sell products and services to get paid.

Commission-based advisors receive a commission by fund companies or brokerages for the sale of financial products and services and receive a percentage of the total amount clients invest in specific products.  Commission-based advisers receive a percentage of the total number of transactions a client makes and may charge 0.5% - 2% of the assets they manage for each client.

A financial advisor can:  help you generate more money for you and your family, help you to be better prepared for changes in your life (death, illness, layoff, children, etc.), provide protection against mistakes and unexpected circumstances (death, illness), provide stability and peace of mind by ensuring your financial goals are met, save time, provide guidance on retirement and investment options, decrease your tax liability, determine insurance needs, minimize taxes, analyze risks, and develop a plan to manage your business finances. Here are 17 reasons why you need to hire a financial advisor:

1. If you need to plan for retirement.
2. You have a lump sum of money to invest.
3. You want to retire early, start a business or do volunteer work in another country.
4. You want to setup investment accounts to fund college education.
5. You want to create generational wealth.
6. If you have personal financial obligations to family members or others.
7. You want to learn how to track spending.
8. You need help to create and meet financial goals.
9. You want to address credit issues.
10. You want to develop good spending habits.
11. You want to organize your finances.
12. Getting married or getting a divorce.
13. You experienced a financial crisis.
14. You buy or sell a home or investment property.
15. Death of a spouse.
16. You want to donate a large sum to charity.
17. You want to analyze your insurance needs.

Don’t Think You Need a Financial Advisor Think Again

                                           

October is Financial Planning Month. If doesn’t matter if you make $20,000 or $20,000,000 a year, everyone needs help with managing their money and meeting their financial goals.  You can use self-help resources such as books, television shows, seminars or courses but you may reach a point where you need additional help, that’s when a financial advisor comes in handy. If you do not have a financial advisor you should consider hiring one as your income increases, lifestyle changes occur such as marriage and children and assets increase such as purchasing a home, investment property or starting a business.

Financial advisors help clients reach their financial goals including retirement, paying for college education or starting a business.  Some financial advisors can also assist with creating a budget or spending plan, paying down debt, choosing investments, managing their finances, taxes, savings and wealth management.

There are 2 types of financial advisors:  fee-only and commission-based.  Fee-only advisors charge a fee for their services usually $150-$300 an hour or per session or may charge a fee based on the annual percentage of assets that are managed. Fees should be disclosed up-front. Fee-only advisors offer unbiased advice because they are not motivated or required to sell products and services to get paid.

Commission-based advisors receive a commission by fund companies or brokerages for the sale of financial products and services and receive a percentage of the total amount clients invest in specific products.  Commission-based advisers receive a percentage of the total number of transactions a client makes and may charge 0.5% - 2% of the assets they manage for each client.

A financial advisor can:  help you generate more money for you and your family, help you to be better prepared for changes in your life (death, illness, layoff, children, etc.), provide protection against mistakes and unexpected circumstances (death, illness), provide stability and peace of mind by ensuring your financial goals are met, save time, provide guidance on retirement and investment options, decrease your tax liability, determine insurance needs, minimize taxes, analyze risks, and develop a plan to manage your business finances. Here are 16 reasons to hire a financial advisor:

1. If you have $300,000 or more in investments.
2. You have a lump sum of money to invest.
3. You want to retire early, start a business or do volunteer work in another country.
4. You want to setup investments accounts to fund college education or other expenses for family members. However, you should contact an estate attorney to setup trusts of similar types of accounts.
5. You want to learn how to track spending.
6. You need help to create and meet financial goals.
7. You want to plan for retirement.
8. You want to address credit issues.
9. You want to develop good spending habits.
10. You want to organize your finances.
11. Getting married or getting a divorce.
12. You experience a financial crisis.
13. You buy or sell a home or investment property.
14. Death of a spouse.
15. You want to donate a large sum to charity.
16. You want to analyze your insurance needs.

Financial Advice for the 99 Percent

                                                                    

If doesn’t matter if you make $20,000 or $2,000,000 a year, everyone needs help with managing their money and meeting their financial goals.  You can use self-help resources such as books, television shows, seminars or courses but you may reach a point where you need additional help, that’s when a financial advisor comes in handy. If you do not have a financial advisor you should consider hiring one as your income increases, lifestyle changes occur such as marriage and children and assets increase such as purchasing a home, investment property or starting a business.

Financial advisors help clients reach their financial goals including retirement, paying for college education or starting a business.  Some financial advisors can also assist with creating a budget or spending plan, paying down debt, choosing investments, managing their finances, taxes, savings and wealth management. Financial advisors are not just for the wealthy. Financial advisors help clients at all income levels.  Shop around to find the right one for you.

There are two types of financial advisors:  fee-only and commission-based.  Fee-only advisors charge a fee for their services usually $150-$300 an hour or per session or may charge a fee based on the annual percentage of assets that are managed. Fees should be disclosed up-front. Fee-only advisors offer unbiased advice because they are not motivated or required to sell products and services to get paid.

Commission-based advisors receive a commission by fund companies or brokerages for the sale of financial products and services and receive a percentage of the total amount clients invest in specific products.  Commission-based advisers receive a percentage of the total number of transactions a client makes and may charge 0.5% - 2% of the assets they manage for each client. Commission based advisors are more concerned with their own career needs than their clients’ needs because they are motivated or required to sell products and services to get paid.

A financial advisor can:  help you generate more money for you and your family, help you to be better prepared for changes in your life, provide protection against mistakes and unexpected circumstances, provide stability and peace of mind by ensuring your financial goals are met, save time, provide guidance on retirement and investment options, decrease your tax liability, determine insurance needs, and analyze risks. Here are 23 reasons to hire a financial advisor:

1. You heard about a financial product or service that you think may be a good choice for you.
2. You want a second opinion on a financial matter.
3. You don’t have any debt or financial issues and don’t feel you need any help or that you know everything you need to know about finances.
4. You want to or are currently saving for retirement.
5. You want to retire early, start a business or do volunteer work in another country.
6. You want to setup investment accounts to fund college education.
7. You have personal financial obligations to family members or others.
8. You want to learn how to track spending.
9. You need help to create and meet financial goals.
10. You want to address credit issues.
11. You want to develop good spending habits.
12. You want to organize your finances.
13. To help you save money on fees, interest, etc.
14. To help you earn more money for savings and retirement accounts.
15. You want to analyze your insurance needs.
16. You want to achieve financial goals.
17. You have a lump sum of money to invest.
18. You want to create generational wealth.
19. If you are getting married or getting a divorce.
20. You experienced a financial crisis.
21. You want to buy or sell a home or investment property.
22. Death of a spouse.
23. You want to donate a large sum to charity.