Nov 14 What Many Financial Planners Won't Tell You

If you could spend 30 minutes with me and I gave you $500 you don't already have, what would that time be worth to you? See the "Special" Offer below.

This post is probably going to rattle some cages, but there is an important piece of information I think every American consumer should know about "financial planning" and those who offer "financial planning" services.

Most advisors in the financial services world see no value in the financial planning process.

This is really important so I will repeat it in bold and italics ...

Most advisors in the financial services world
see no value in the financial planning process.

While these advisors tout that they offer "financial planning" services and may even try to convince you that you need those services ... deep down inside they see no value in the process. Instead, they use financial planning as a tool (or weapon) to help them sell you their product(s) or service(s).

Simple Logic

How can I say this? Is it really true?

I can say this because if a financial services provider really saw value in financial planning, they would charge you an open and transparent fee to provide that service to you ... and yet most advisors give away the service for free. A vast majority of financial advisors bundle "financial planning" services into their insurance commissions or (even more often) investment management fees.** (more below)

Not only are these advisors admitting that they see no real value for financial planning, I'll go so far as to suggest that they are charging too much for the services where they ARE being paid (I'm making lots of friends in the industry, aren't I).

The excuse I hear (even from some CERTIFIED FINANCIAL PLANNER™ professionals) is that most people can't afford or won't pay for a financial plan. I think that's balony. In fact, from my perspective (which I know is biased), most American's can't afford NOT to have a financial plan.

Real Financial Planning Is ...

Real Financial Planning is a strategic approach to helping people make better choices with their money so they can have more of whatever is most important to them in life. I cannot think of anything more affordable and desirable than the ability to make better, more informed choices with money every day and as a result to have more of what's important in life.

If you could spend 30 minutes with me and in return I could give you $500 you don't already have today, what would that time be worth to you? I'll bet it's worth way more than my hourly fee. That's what a Real Financial Planner does - finds ways you are losing money without even knowing it.

In fact, let's do just that ...

"SPECIAL" Offer

Call me now to schedule 30 minutes or even an hour if you like - more time means getting more of what's important to you, right. If at the end of our time together you feel there was no value, you owe me nothing. On the other hand, if we can get you more of what's important to you without sacrificing your current quality of life today, then I hope you'll be willing to pay a reasonable fee for that service.

There are no strings attached or future obligations. You have nothing to lose except maybe a little of your time.

What do you say? Willing to take me up on my challenge? Call 805-476-0333 to schedule, now.

John

** It is important to understand that investment management is NOT financial planning and financial planning is NOT investment management. Portfolio management is one of many subject disciplines in financial planning. Others include cash flow management, insurance protection, estate planning, tax planning and retirement strategies. In fact, for most people, good cash flow management will create a lot more wealth in your lifetime than even phenominal investment returns could ever achieve.