I want to share with you the biggest bettest statistic I have seen to date regarding WHY you NEED and ADVISOR in your life. It'll shock you. "Ipsos Reid", did a Canadian study for each income bracket and found that there was a SIGNIFICANT difference in your overall net worth (which means assets or financial value, owning a home, having investments, savings and things that you can sell for money - so you don't owe more than you own). I hear people say to me when I ask them if they'd like to book an appointment, "I don't have any money" and my reply to that is "perfect" then I have a job to do! It's our JOB as financial advisors to help you pick apart your situation to find out how we can make changes to get you to where you want to be. If you could do that on your own, I wouldn't have a job. There is NO way that you can learn all of what advisors and planners know - we went to school, spent days/months/years researching, reading and investigating millions of situations and plans. Not to mention we can take the emotion out of decision making, and making change. Even if you did lots of research and practiced on your own, you would still have emotional ties to your money.
So what did they find in this study? Families in the $50-60,000 income range had an net worth of about $29,000 if they did not have an advisor. Meanwhile families who had an advisor working with them had an overall net worth of $197,000!!!!! That's a difference of $168,000!??! Amazing. So there it is, in plain english for all to see. You have NO IDEA what an advisor can do for you, you aren't one! So you can't know what they know, or HOW they will help you. Don't pre-qualify yourself. You are not wasting their time, because there is no such thing. Everyone has a unique situation and it gives us an opportunity to grow each time we see a new client. All you need is a desire for your situation to improve, even in the slightest and to have an open mind. Your beliefs will change, your knowledge will grow and you will find yourself feeling secure, empowered and wealth with the right tools to get you to your goals faster and more efficiently, with less confusion and stress.
As I was writing this, I heard Danny's financial advice of the day "if your drunk spouse tells you to double down in vegas, DON'T". We've never been to vegas but this sounds like pretty sound advice to me!
On that note, in January I will be setting aside the entire month to work with friends again. I love doing this and I am ready to help you, are you ready for positive change?
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