Hard Questions To Ask Every Financial Planner

When looking for a financial planner, the following are 4 pointed questions that you should ask every prospective planner.  For purposes of comparison, we have listed the answers of Integrated Financial Services, Inc.

Question #1:  Why do I need the help of a professional financial planner?

Answer:  We live in an uncertain world; we each face many challenges and obstacles in achieving our financial goals.  You can try to meet the challenges on your own, discovering the obstacles yourself as you encounter them or you can choose to work with an expert, someone who knows the financial landscape and is well aware of the obstacles.  We offer 3 major benefits: 

  1. Comprehensive Retirement Planning Services;
  2. Objective, Understandable Advice;
  3. A Financial "Road Map"

As an independent planner, we are not limited to any one source of financial products like many banks, brokers and the major financial companies' representatives.  Finally, life is a journey, but you probably won't reach your intended financial destination if you don't know where you are going and don't follow the best route.

Question #2:  Why should we work with you rather than another financial planner?

Answer:   When you need heart surgery, you go to a cardiac specialist, not a general practitioner.  Similarly, when you need retirement planning, you go to a planner who specializes in protecting the lifestyles and assets of seniors.  We work exclusively with retirees and pre-retirees.  As specialists, we know more ways to preserve your assets and improve your cash flow while focusing on reducing risk.  You get a thorough retirement plan, implementation of that plan, and on-going monitoring of your progress within your plan.  This allows you to devote your time and energy on important things like your leisure time, your family and friends and a good night's sleep.

Question #3:  What is the cost of your services?

Answer:   The initial analysis is free, informative, without obligation, and potentially life-changing.  Our compensation comes from either fees for services or more commonly, directly from product sponsors when their products are utilized.  We try whenever possible to choose products without front-end sales charges or commissions, thereby reducing the direct costs to our clients.  All such costs are fully disclosed to your before any transactions are conducted.  Our goal is for our services to pay for themselves many times over, even benefiting future generations.

Question #4:  What type of clients do you work with?

Answer:  Our typical clients are conservative individuals who are interested in protecting their assets while building for their future.  We specialize in working with retirees and pre-retirees and individuals in the middle of changing jobs that recognize the value of preservation of capital and growing their assets while minimizing their exposure to risk and reducing taxation whenever possible.  We typically do not work with clients who are interested only in short-term gains.  We prefer building a long-term relationship with our clients, and making sure their golden years are as stress free as possible.

"We help you plan for the best years of your life -
your 60's, 70's, and 80's". 

To find out more, call our office at (616) 942-9080, to schedule a free no obligation initial consultation.  Many of our clients have commented over the years that one of the things that they appreciate most about working with us is the low-key, no pressure manner of our approach.  If you are undecided and still have questions, call us for the answers.  It's your money, your future, your move.