Financial Advisor

Are you hiring a financial planner? Here are 3 easy questions you can ask them today.

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At Spring Delta our investment professionals and financial planners help our clients achieve their wide range of goals and ambitions.

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Are you hiring a financial planner? The top three questions you need to ask your financial team before signing up with them 

Hiring a financial planner - people talking
Hiring a financial planner

 
Hiring a financial planner is not complicated. It can be the difference between making successful financial decisions and losing money. 

 
Are you looking for financial freedom but don’t know where to start? Start working with financial professionals. Every successful person you know has a financial team around them. You never hear about the Richard Branson’s and Warren Buffet’s of the world making their own financial and investment plans. They understand the benefit of having a competent and trusted team around them. 

 
Financial advisors navigate through financial decisions. Having a meaningful relationship with a financial planner requires good judgment. When looking for a new team, consider the type of help you need. Discuss with your advisor their working style, performance results, experience, and fees. 

Three Questions you should ask your financial planner before signing up with them  

1. Are you a fiduciary? 

Fiduciaries put you first. Your financial advisor should always put your best interest first. Independent Registered Investment Advisors are fiduciaries. They are legally obligated to work in their clients’ best interests at all times. As a fiduciary, Spring Delta adds an extraordinary level of personalized service. This level of personalization is not always found in other investor-advisor relationships.  

2. What are your qualifications and experience?  

Experience, experience, experience!  

Watch out! Financial advisors tend to have confusing initials behind their names. Designations add confidence to your decision and comfort that the advisor has dedicated their time to learn more within their practice. Note that experience may match or supersede their academic efforts.

With that said, make sure that your advisors, at the very least, have earned their Series six and series seven brokers license. Ask about your advisor’s experience in various stock market cycles throughout the years. This can give great insight into current and future stock market movements and how to best position before and after those cycles. Ask your advisor to see sample financial plans. Go through the advisor’s investment strategies. See how the investor’s portfolio return compares against the indexes such as the S&P 500.  

3. How do you get paid?  

When hiring a financial planner, it is crucial to understand how they get paid. Registered Investment Advisors typically charge their clients a fee based on the assets under management (AUM). Depending on the total assets you are asking your advisor to manage, the fee will typically be between 1-3% of AUM.  

Summary 

Spring Delta Asset Management has designed a simple, impactful approach to your finances. We base our advisor/client relationship on compassion, trust, experience, and competence. As a result, we provide an external holistic view of your finances. This creates a dynamic that feels realistic and comfortable for you and your family. 

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Check the background of this investment professional on FINRA BrokerCheck. Spring Delta Asset Management offers investment advisory services provided through Spring Delta Asset Management, LLC a Registered Investment Advisor. © Copyright Spring Delta Asset Management, LLC 2020. All Rights Reserved.