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In these financially unsettling times, wouldnt it be nice to know you can still send your children to college, retire at 65 and be able to mail postcards from exotic locations to your future grandchildren? Its not only possible, its probable when your finances are in the right hands. While you may be skilled at handling certain money matters, chances are you dont even realize youre inept at others. To be safe, it might be time you considered the benefits of personal financial planners. Even if you feel you can perform several of the functions of a financial planner yourself, putting them all together into a cohesive strategy that produces solid, long-term returns is no easy feat. A financial planner can make that happen. When considering how to choose a financial advisor, youll want to sit down and really evaluate your needs. This depends, at least in part, on your stage in life, your goals and what you expect to receive in return. Are you a new college graduate with $50,000 in debt, $30,000 in income with a brand-new 401(k)? Or are you a 60-year-old trying to prepare for retirement? Once you figure out what youre looking for, its easier to determine how much help you need and where to look. How to Choose a Financial Planner Financial planners deal with everything from estate and tax planning to insurance and debt management to college savings and retirement funds. When figuring out how to find a financial planner, make sure to look for one who has experience working with others in situations similar to yours. As with any professional service, youll want to start by asking for suggestions from people whose judgment you trust. Ask acquaintances who have needs similar to yours, since a planner focused on the needs of young families may not be a good choice for recent retirees. Questions to Ask a Financial Planner Before selecting a financial advisor, youll want to do your research. Ask the following questions (created by the National Association of Personal Financial Advisors) to ensure they have the expertise and qualifications necessary to guarantee reliable service, and that they are the right fit for your particular situation: What is your educational background? College Degree: Graduate Degree:

What are your financial planning credentials/ designations and affiliations? NAPFA-Registered Financial Advisor Certified Financial Planner (CFP) Chartered Financial Consultant (ChFC) Certified Public Accountant/Personal Financial Specialist (CPA/PFS)

How long have you been offering financial planning services?

Do you have clients who might be willing to speak with me about your services?

Will you provide me with references from other professionals?

Have you ever been cited by a professional or regulatory governing body for disciplinary reasons?

What more can you tell me about your experience in providing financial planning services?

How many clients do you work with?

Are you currently engaged in any other business, either as a sole proprietor, partner, officer, employee, trustee, agent or otherwise?

Investments can be both short termed or long termed covering the interest and financial planning done by the investors. This is because behind the management of money, investments plays a major role which every investor cares to understand and plan accordingly. To begin with an individual interested in investing should decide upon the percentage of his income he care to put on a short tem investment plan. Based on the savings and financial conditions these plans related to investment should always be made touching all the factors of risks and loses. To avail the benefits found in the present market condition, many individuals go for investing for a shorter period of time. This is because fast changing rate of interest on commodities like silver, gold and other stocks attract the investors to put some amount based on the same after certain worth countable planning that can incur a profit subsequently.

It is found always necessary to set some financial goal for a better and secured future. Such plans based on the economical and financial conditions of an individual can be either purchase of a house, a retirement policy or any similar aims that involves discipline investment planning before achieving it. People go for long time investment plans to meet their goals related to economy and finance. But if he fails to appear in any optimized solution before investing on such plans, he should approach or hire a financial planner with no trace of hesitation. This is because these financial planners can provide best services catering all the demands and expectations of any client or customers that seeks his profitable advices.

A financial planner has the potential to look and estimate about all the unseen risk factors and can perfectly estimate if any losses can erupt abruptly behind any short term investment policy. He is a skilled person to elaborate every nook and corner of an investment plan showing both the positive and negative aspects of the same. Moreover, in long term investment policies, the factors concerned with the tax benefits, money management, etc can be best monitored by these financial experts. So at any point of time slot an investor should consider these factors and consult a financial if unless he fails to focus on all the possibilities and outcomes behind an investment. jacyspin providing the long term and short term investment, portfolio management services