Fed’s New Stress Test Rules Come Too Late To Save Vikram Pandit » In happier times.
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You know what they say: You can’t choose your family, but you can choose your financial planner. Or something like that. One of the great things of being in charge of your money is choosing who (if anyone) will help you manage it. The choice isn’t always an easy one. How will you know that your planner is reputable and trustworthy?
These five red flags may be good indications of whether the financial planner sitting across from you is someone you should trust with your money. LearnVest Planning also provides an innovative 7-step program for your money where you work one-on-one with a financial planner. To see if this program is right for you, start with a free financial consultation.
1. She Isn’t Certified
“There are a lot of good planners out there who aren’t Certified Financial Panners™,” says Samantha Vient, CFP®, of LearnVest Planning Services. “However, CFPs® are required to adhere to the CFP® Board’s standards of professional conduct.We believe it’s always a good idea to work with someone who has the CFP® designation, which is issued after completing a CFP® Board-approved personal financial planning curriculum, passing a rigorous exam issued by the Certified Financial Planner Board of Standards, meeting experience requirements and passing an ethics and background check.
2. He Offers to Manage Your Money for “Free”
Financial planners are usually paid in one of two ways: Either through fee-only, which can be a set fee, hourly, retainer or a percentage of the assets they manage for you, or through commission, which means the planner is paid each time he buys or sells an investment.Fee-only payment structures can be more desirable to some clients, as there’s no financial incentive based on assets under management for a planner to buy or sell, whereas working on commission encourages planners to make trades, rather than solely look out for your best interest—called a “fiduciary” duty. (You want to be sure that the planner you choose is a fiduciary.)
LearnVest Planning Services provides the services of fee-only Certified Financial Planners™. Get started for free with a 15-minute financial consultation.
3. She Says She Outperforms the Market
“If a financial planner tells you that she can outperform the market, that’s a major red flag,” Vient explains. “In fact, due to government regulations, it’s illegal to advertise statements that promise a specific return.”Outperforming the market—that is, getting better investment returns than the market average—is extremely difficult to do consistently, and requires taking a lot of risks with your investments. It’s rare to find a financial planner who can consistently outperform the market—and results are never guaranteed. Either way, in the pursuit of these high returns, she’ll be exposing your investments to much higher risk than you may be comfortable with.
Instead, look for a CFP® who, when looking at your portfolio, can advise on proper asset allocation based on your risk tolerance and time horizon, as well as through economic ups and downs.
4. She Doesn’t Ask About Your Financial Goals
“Your planner isn’t just there to crunch the numbers,” Vient advises. “She’s helping you make a plan for your money and your life. You should be looking for someone who has similar values to you.”Ideally, you’ll likely want to work with someone who is in a similar life stage. Are you a parent? A planner with children may be better able to understand your need to save for college. Does your CFP® have a specialty? Some planners have an area of expertise, like insurance, estate planning, divorce or retirement—a fact you might want to consider if that’s a particular need of yours.
When meeting a potential planner, remember that you’re allowed to ask questions about their experience and priorities: “Do you think it’s more important to save for retirement or pay off debt? How do you feel about supporting kids through college? How do you mitigate investment risk as your clients get older?”
The choices you make with your money are intensely personal. The person who helps you make these choices should be able to understand and accept your financial priorities, and help you use your money to meet them.
5. His Management Style Makes You Uncomfortable
Financial planners can manage your money for you or manage your money with you. As different people have different needs when it comes to money management, there is no right way to work with a planner—it’s up to you to decide how hands-on you want him to be.
When you sign on with a financial planner, there will be a written agreement of how the two of you will manage your money. Read this carefully, and ask questions if you’re unsure about anything. Are you signing your accounts over to this planner? Will he check in with you before making a trade, or when rebalancing your accounts? If you’re uncomfortable with anything in the agreement, bring it up immediately.Learn more about LearnVest Planning and our financial planners by visiting learnvest.com. To book your free consultation today, email FA_Support@learnvest.com or complete your request online.
LearnVest Planning Services is a registered investment adviser. The opinions expressed in this article are that of LearnVest Planning Services, a registered investment adviser. The advice provided may not be suitable for your individual situation and you should discuss your situation with a financial professional.
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Adding Google+, Twitter or Facebook icons to board Index
Topic Started: Feb 7 2012, 03:58 PM (477 Views)
Real
Feb 7 2012, 03:58 PM
Post #1
Member
Posts:58
Group:Members
Member#203,553
Joined:December 20, 2011
I’m Browsing WithChromeMy Board URLrealdiscussionsonline.com/index/
Board url realdiscussionsonline.com/index/I have been searching but I couldn’t find a documentation on how to add Google plus, Twitter or Facebook icons to Zetaboards.Can someone please give me a quick tutorial on how to add these bottoms? I know I could add a link to the submenu but I prefer the bottoms. Edited to add – Can the message "log in to view images" in posts be linkable? In that, Guests can click on it to bring them to the register/login page?
Edited by Real, Feb 8 2012, 11:47 AM.
SlyCooperFan1
Feb 7 2012, 10:35 PM
Post #2
Master Raccoon Thief
Posts:313
Group:Members
Member#177,941
Joined:December 13, 2008
I’m Browsing WithChromeMy Board URLw11.zetaboards.com/ZetaRPG/
ZetaBoards does not have documentation on this because it’s not really something specific to ZB. You need to go to the Google+, Twitter, and Facebook sites to find the appropriate tools to add, and instructions for doing so.Google+ "+1" Button: google.com/intl/en/webmasters/+1/button/index.htmlTwitter "Tweet" Buttons: https://twitter.com/about/resources/buttonsFacebook "Like" Button: https://developers.facebook.com/docs/reference/plugins/like/You would then place the codes where specified into the Board Template. I would suggest moving them around and seeing what works.As for the "Login to view images" link, that would require the use of a code as well. I don’t know how it looks like, though… could you provide your board URL?
Real
Feb 8 2012, 11:33 AM
Post #3
Member
Posts:58
Group:Members
Member#203,553
Joined:December 20, 2011
I’m Browsing WithChromeMy Board URLrealdiscussionsonline.com/index/
Thank you SlyCooperFan1 I have the links and instructions from those places, I just didn’t know where to put them on the board. My board url is Real Discussions OnlineMy domain always reverts back to the w11 server no matter what I do.
SlyCooperFan1
Feb 8 2012, 08:28 PM
Post #4
Master Raccoon Thief
Posts:313
Group:Members
Member#177,941
Joined:December 13, 2008
I’m Browsing WithChromeMy Board URLw11.zetaboards.com/ZetaRPG/
Your domain is working fine for me.I found this code in your Board Template:Code: <script type="text/javascript">if ($(‘#top_info a:contains(In])’).length) $(‘img"Posted Image"]’).replaceWith(‘<em>Please login to view images.</em>’);</script>First off, let me just say that this will not always work. Some users turn off their Javascript which would disable this code, allowing them to view images. Second, you do know ZetaBoards has a built-in feature for not allowing guests to view images? Anyway, if you still want to use this code, replace it with the following:Code: <script type="text/javascript">if ($(‘#top_info a:contains(In])’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’login/"><em>Please login to view images.</em></a>’);</script>
Real
Feb 8 2012, 09:53 PM
Post #5
Member
Posts:58
Group:Members
Member#203,553
Joined:December 20, 2011
I’m Browsing WithChromeMy Board URLrealdiscussionsonline.com/index/
SlyCooperFan1Feb 8 2012, 08:28 PM Second, you do know ZetaBoards has a built-in feature for not allowing guests to view images? Anyway, if you still want to use this code, replace it with the following:Code: <script type="text/javascript">if ($(‘#top_info a:contains(In])’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’login/"><em>Please login to view images.</em></a>’);</script>I didn’t know that. Good because my board is getting code heavy by the minute lol.Thank you for the reminder. I feel so stupid, I can’t believe I didn’t know that.
Edited by Real, Feb 8 2012, 10:03 PM.
Real
Feb 13 2012, 11:22 AM
Post #6
Member
Posts:58
Group:Members
Member#203,553
Joined:December 20, 2011
I’m Browsing WithChromeMy Board URLrealdiscussionsonline.com/index/
Okay, SlyCooperFan1 provided this code asking Guests to login in order to see images Code: <script type="text/javascript">if ($(‘#top_info a:contains(In])’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’login/"><em>Please login to view images.</em></a>’);</script>I amended it to Register to view images. I’d like to have both options – Login or Register – but I want to make sure this modification is okay first before I change it further. Please mods, is this okay?Code: <script type="text/javascript">if ($(‘#top_info a:contains()’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’register/"><em>Please register to view images.</em></a>’);</script>Board Template – Below the board
Edited by Real, Feb 13 2012, 11:24 AM.
SlyCooperFan1
Feb 13 2012, 07:25 PM
Post #7
Master Raccoon Thief
Posts:313
Group:Members
Member#177,941
Joined:December 13, 2008
I’m Browsing WithChromeMy Board URLw11.zetaboards.com/ZetaRPG/
RealFeb 13 2012, 11:22 AMOkay, SlyCooperFan1 provided this code asking Guests to login in order to see images Code: <script type="text/javascript">if ($(‘#top_info a:contains(In])’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’login/"><em>Please login to view images.</em></a>’);</script>I amended it to Register to view images. I’d like to have both options – Login or Register – but I want to make sure this modification is okay first before I change it further. Please mods, is this okay?Code: <script type="text/javascript">if ($(‘#top_info a:contains()’).length) $(‘img"Posted Image"]’).replaceWith(‘<a href="’+main_url+’register/"><em>Please register to view images.</em></a>’);</script>Board Template – Below the boardYep, the code works just fine. It doesn’t break any ZB rules; you don’t need a mod’s approval.
Real
Feb 13 2012, 09:05 PM
Post #8
Member
Posts:58
Group:Members
Member#203,553
Joined:December 20, 2011
I’m Browsing WithChromeMy Board URLrealdiscussionsonline.com/index/
Good to know.Thanks again SlyCooperFan1
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