A lot of folks who call themselves financial advisors and planners don’t have a lot of original thoughts when it comes to your investments. They’ll have you fill out a risk tolerance questionnaire and based on those results and your age they’ll recommend an insurance or annuity product or some mutual fund allocation. The simple truth is, their recommendations aren’t theirs. They come from some computer model at the “home office,” and they have a lot more to do with your age than anything else. Do you honestly believe everyone your age has basically the same investment management needs? They do. In fact, if you choose not to take their recommendations, they may ask you to sign a form saying you won’t sue them if something goes wrong.

In my opinion, this is absurd. People are different and so are their goals. Putting every client in one of five risk profiles and rebalancing every so often, regardless of what the market is doing? Really? Plus, if you’ve been in a situation like this, think about it…when things go bad, does your advisor take responsibility or do they blame the fund managers their company has chosen? I think you can do better. How about someone who listens to you, knows your concerns and acts, and reacts accordingly? How about Crow Financial? Call us. The conversation is free and there’s never any obligation or high-pressure sales pitches. I promise.