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Colleen's Corner

Asset Allocation

Often financial "experts" make asset allocation difficult to understand. My goal in this series of articles is for you to understand asset allocation thoroughly, in an easy to understand format.
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Financial Management Consultant

Retirement Calculator, Inc.
When You Look for a Financial Management Consultant, Make Sure That You Find Someone Who Works with People Like You

With the uncertainty that of the economy, it makes perfect sense that you would want to find a financial management consultant. However, many financial management consultants work with businesses rather than with individuals. That does not mean that a financial management consultant cannot benefit you as an individual; it only means that the services of a financial management consultant need to be amended to apply to your situation.

For example, typically a financial management consultant will look at a business finances to examine their assets; your financial advisor should look at your assets - the savings and investment accounts that you already have. A financial management consultant would then look at the choices the business was making to see if those decisions were cost effective; similarly your financial advisor should help you to see whether the spending decisions that you make will help you to save money in the long run.

And, perhaps most importantly, a financial management consultant will look at a business to determine the level of risk that they are taking with their assets. Likewise, when your financial advisor looks at your savings and investments, the level of risk that you are taking with the investments that you have should be looked at. While you may prefer to play it safe and invest with minimal risks, your portfolio may benefit from taking a slightly bigger risk - one that may not even be outside of your comfort zone. On the other hand, if you are someone who prefers to invest in high risk stocks, your financial advisor should analyze your investments to be sure that you are not taking unnecessary risks.

And, though it proves extremely valuable for many businesses to meet with a financial management consultant, it may be possible for you to evaluate your own savings and investments and to judge for yourself what is working and what could be working better. When you download the free retirement calculator by clicking the red button at the bottom of this page, you will have taken the first step towards understanding your savings and investments.

Once you have downloaded the retirement calculator, you will be able to enter information about the savings and investment accounts that you currently have. You will then be able to see how those accounts have performed over time. You will also be able to view projections for how those accounts will continue to perform over the next twenty five years.

You will be able to feel confident that those projections are an accurate reflection of your financial future; the values will reflect the ways in which changing interest rates and inflation will affect your retirement savings. If you think that a change to your investment strategy would allow your savings to grow more, you will be able to evaluate that change with the retirement calculator; it provides you with a way to test potential strategies without the risk.

However, just because you will be able to evaluate your savings and investments on your own does not mean that you will be on your own. Just as a financial management consultant works with businesses to figure out their finances, a financial advisor can help you to reach conclusions about what you should do to better manage your savings. However, unlike a financial management consultant who charges businesses a fee for his or her services, your first consultation with a financial advisor will be free.

After you have downloaded the retirement calculator, you will be contacted by a financial advisor in your area for a free one on one consultation. You will be able to get answers to your questions and the advice that you need to put your new investment strategy into action.

Why wait for someone else to tell you how to manage your finances when you can take that control for yourself? Don't wait any longer; click the red button to download the free retirement calculator and to see for yourself how to manage you finances in a way that will ensure your solid financial future.

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