Advisors

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When we initially engage a new client and have delivered their new financial plan, we often hear the question “Why didn’t my old advisor tell me that?” While there are thousands of incredibly talented and ethical advisors out there, not all advisors will be completely forthright with you. So, with no further ado, here are a few things that your current advisor may not want you to know.

“I have no obligation to put your interests before my own.”

Fiduciary responsibility is, simply put, the responsibility to put the clients’ interest above that of the advisor. The problem is that in accepting fiduciary responsibility we are held to a higher standard of care than many firms are willing to accept. In fact, with the recent adoption of the so-called “Merrill Rule”, large brokerages are now supposed to explicitly tell you that they don’t accept fiduciary responsibility and that they may not put your interests before theirs. The easiest way to determine if your current advisor does accept that responsibility is simply to ask, point blank, “Do you accept fiduciary responsibility for your clients?” If they don’t know or if they acknowledge that they don’t, it may be time to find another advisor.

“I get paid more to recommend my company’s proprietary products.”

Many large firms develop products to help their clients achieve their financial goals. While these products may be excellent, there are often competing products that are even better suited to your needs. The problem is that a particular company’s proprietary products are substantially more profitable to the company than so-called third-party products. In order to maximize their profit (which is what any company is in business to do), companies will offer higher commission for the sale of proprietary products.

“I receive a commission to sell insurance and non investment-related products.”

There is absolutely nothing inherently wrong with this as long as it’s you’re aware of it. Some of the best products on the market, particularly insurance products, are sold by commissioned brokers, so the only caveat we give you with any product recommendation is to understand how the agent’s compensation may create potential conflicts-of-interest.

“You are one of 400 clients. I can’t give you the level of personal attention you may be looking for.”

Working with a successful advisor can be a two-edged sword. While it’s important to work with an experienced advisor with a broad knowledge base, if your advisor has too many clients, you may find yourself dealing with an assistant or junior member of the team and receive little or no attention from the actual advisor.

“I don’t completely understand the products I’m recommending.”

There are countless numbers of product solutions to the same financial planning problem. In fact, there are so many products on the market that it’s impossible for any advisor to be an expert in all of them. Look for an advisor that, like a good general practitioner doctor, understands what category of solution you need and then engages a specialist to find the best-of-breed product in that category to meet your need.

“Guarantees come with a hefty price tag.”

There are many annuity products that guarantee an account value or investment amount in the future. Unfortunately, as the old saying goes, “There’s no such thing as a free lunch.” While guarantees are comforting, your advisor may not tell you that they come at a cost. Before buying any “guaranteed” investment product, be sure to find out all the costs associated with that product over the entire lifespan of the investment so that you can make an apples-to-apples comparison of your different alternatives.

This article is in no way intended to disparage the thousands of professionals that go about the business of financial advising in a thoughtful, ethical way. And, while the popular press loves headlines about unethical product sales, the fact is that 90% of those people engaged our business, regardless of how they get paid, look out for their clients’ interests and disclose all known conflicts-of-interest. The only thing this article was intended to convey is that not all the advisors you meet are completely honest, so it behooves you to ask a lot of questions.

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Most investors have absolutely no idea how much money advisors earn from their investments. There’s certainly nothing wrong with advisors being compensated for their work. The problem arises when there is a lack of transparency in the advisor/client relationship. You should know exactly how much you are paying, for the investments and services you receive. Only then can you make an informed decision on whether or not you are receiving a good value for your money.

I can’t tell you how many times people have told me, “Oh, I didn’t pay my advisor anything. The insurance company paid him, not me.” Or I’ll hear, “Commission? What commission? I just bought a muni bond, not a stock.” The problem with commissions is that you don’t always see them. But trust me, there is no such thing as a free lunch. You are paying something, whether you realize it or not.

On some investments, the commission is quite obvious. On others, you have to dig a little deeper to uncover the charge. In an effort to level the playing field, I’m going to reveal the typical commissions paid on a variety of investments. Be aware that these commissions can vary between different providers.

Let’s start with one of the most popular investments; mutual funds. No load funds charge no up front commission, but do have a yearly management fee that can range from .25% to 2% per year. Load mutual funds, the kind you would buy from a commission-based advisor, can top out at 5.75% for equity funds, and 4.5% for bond funds. But breakpoints can greatly decrease the commission you pay. So the more you invest, the less commission you pay.

The commission paid on individual stocks can be as low as $10 a trade. Because there is so much competition in both stock trading and mutual funds, commissions on both are dramatically less than they used to be.

The commission on individual bonds is much harder to see, because it is built into the price. Commissions increase with the bond’s maturity length, usually topping out around 3%. But the only way you’ll know for sure is to try to get a price for the same bond from a discount house.

Now we’ll get into the higher commission products where the fees are especially tricky for the investor to uncover. For example, variable annuities typically pay the broker between 6% and 7%, yet most investors think they’re not paying anything when they buy them. If they ask their advisor about it, they’re often told that the insurance company pays the advisor, not the investor. But it’s amazing how the surrender penalty amount closely resembles the amount the agent received in commission.

Investors may not realize that no-load annuities are available. These “plain vanilla” products lack some of the flashy features of their high-cost cousins, but they deliver the same basic result at a dramatically lower cost.

Commissions are considerably higher for equity-indexed annuities. Rates of 10% or more are common, with some charging less. But these are by far the highest commissions charged in the financial services industry. Is it any wonder that these are promoted so heavily?

One of the main problems with commissions on insurance products is that the insurance companies realize their real client is the agent, not the investor. If they don’t pay a high enough commission, an agent will simply sell an annuity from another company. And since the commission isn’t clearly understood by the investor, sky-high commissions are the result.

Agents will argue that the additional features of these annuities are worth the money paid. But I disagree. If it were such a good deal, then why not use these high fees as a selling point, instead of hiding them in pages of fine print?

Here’s the commission the advisor receives if you move a $500,000 IRA or 401k into each product: Mutual Fund – $12,500, Individual long-term bond – $15,000, Variable annuity – $30,000 and $50,000 for an equity-indexed annuity. How many months/years did it take you to save the amount the advisor will be getting?

I feel there is a conflict of interest when these details aren’t disclosed. How can you make an informed decision unless you know what the advisor is making? How can you compare various options? Frankly, you can’t.

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The Mini license plate gains popularity for both its entertainment value because of its size and for the possibility to personalize it so that it meets any consumer’s requirements. They can have a promotion for a reasonable price. Imagine you have a small business that you’d like to expand without paying for expensive advertisements and promotions.

You might have had difficulties coming up with a way to promote yourself and out of the blue you learn about a mini license plate company. In case you’d consider ordering such plates, you’d have to know that each one can be custom made to promote your business activity. You can put these plates wherever you want. For instance, you can place them on your own vehicles. You can also give them away as gifts to customers. This will be a good way of mouth advertising which has proved to be quite effective.

Children love gifts such as mini license plates. They can put them on the back of their bicycles or hang them on a bedroom wall. Adults too like such gifts, especially plates that create some laughs. Giving a mini license plate can be a fun gift if it says “over the hill” or “crazy as a bat”, just use your imagination and people will love them. In case you have a green thumb you can use such plates to label each section of your garden. This is a unique idea which will be appealing to all your guests. You should soon expect your neighbors to ask you where you got this brilliant idea from. You can say you made it up by yourself.

Mini license plates are surely multifunctional items, you can buy them from a local store or you can order them online. When considering buying in bulk for your business don’t forget to inquire about having them made to order. Even though custom made mini license plates are more expensive, they are well worth the money as they are a fantastic way to promote your business.

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For years the institutional traders (aka – Big Boys) have used a high tech system to trade the Forex for their employers. The institutional traders are the real insiders of the Forex markets. They carry the huge accounts because they are backed by the banks and financial institutions. If anyone had a stake in finding out what worked best in the markets you can bet that these guys did.

So what is their secret?

Automation

The big boys use computer based trading systems that allows them to set specific parameters that work in the Forex. Then the automated system scans the markets for these signals and then executes the trades when those signals come up. The system can be set up to accept practically any trade signal, and to execute any type of order from limits, to stop orders.

As cool as the technologies of these systems are, the real beauty is in the human factor. First and foremost having these systems (often called trading robots) execute trades on your behalf means that emotion is removed from the trading. This is a bigger factor than most beginners realize. Trading takes on whole new dimensions when real money is on the line. Emotions can fly from absolute terror to overwhelming greed in a matter of seconds.

Secondly because these robots never sleep (nor need pottie breaks) they can monitor the markets 24/7 ruthlessly scouring the Forex for pairs that are set up for profits. This automated nature of these robots means that once a profitable set of signals is discovered it can be repeated endlessly with consistent success. Of course this also means that for an automated trading advisor – or trading robot – to work effectively it must have a bag of successful trading signals and exit strategies.

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Who doesn’t need getting done a financial plan? It’s a necessity for everyone but not everyone consults a financial advisor. That’s primarily because people do not realize the importance of doing so until the eleventh hour arises; on the other hand, they do not require one to plan the purchase of a new Blu-Ray drive. Mix-matching the common accounts are enough for that.

But troubles show up when you are planning for something twenty years down the line. Say, for the education of your children; are you sure you can save enough the way you are saving now? Even if it is a firm “YES”, nobody says “NO” to extra money. That’s what the financial advisor shall do for you, so that you can afford your dreams and also be a little relaxed while indulging into lavishness. So the question remains: How shall you hire a financial advisor?

Select an advisor with sufficient experience

By experience, to be precise. A financial advisor must be able to assess your current financial standing to design the plan and help make you reach your financial goals. The one who is highly qualified shall just know the theory; experience comes from the practical field. And it’s not at all easy to fine-tune the issues regarding accounting, investing, tax and insurances with theory alone.

Ask about the advisor’s performance for his clients

A good wine needs no bush. The adage holds to its truest at most of the cases but not when applied to a financial advisor. Thus, there’s nothing like asking his previous customers about his past performances; it’s only them who shall tell you the truth.

Ask whether he is a Registered Investment Advisor or not

A financial advisor doing his business honestly always is a part of a regulatory body. Not that the one that is not is dishonest, but being so brings about that extra surge of credibility.

Evaluate an advisor’s credentials

Credential means a collective of certain stated facts by the clients. Get hold of a copy from him and cross check. You know what to do after that.

Ask the advisor about fee arrangements

There are some who charge a direct fee and there are some who works for a commission. Find out what suits you most and whether a third kind of arrangement can be made.

Give the advisor enough information about yourself

This is called doing the homework. You must include information regarding your personal and financial life as well as your plans regarding the future. A financial advisor shall then calculate the total value of the wealth you are willing to accumulate over a given span. Kind of a case study the doctor needs; only purse-ology instead of physiology. However, if you want to know the heads you should cover in the homework or for an added bit of information on sound investment, you’re welcome to visit WiserAdvisor.com where you can find a financial advisor best suited to the whole job.

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