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Do You Need a Financial Advisor for Retirement Planning?

financial advisor Dallas

A financial advisor in Dallas, Texas, can help you plan for a comfortable retirement. But is hiring a professional really necessary?

Maybe not, but let’s be honest – not everyone has the time to become an expert in wealth management. If you’d like to prepare for your future, but want an easy plan, turning to a financial advisor or planner may be the best way to make sure you’re on track to retire with the money you need.

How a Financial Advisor Can Help You Plan for Retirement

Financial planners guide clients in making decisions related to retirement. Hire a professional, and you’ll receive personalized financial planning assistance with an eye toward the future. An experienced advisor can:

  • Put together a retirement savings plan
  • Set up and manage investments
  • Suggest strategies for growing your money
  • Plan for life events before and during retirement
  • Offer advice on potential unexpected financial issues
  • Help protect your cash flow and assets

Ideally, retirement planning should also cover estate planning – but keep in mind that not all retirement advisors have expertise in that area. If you’re looking for a financial advisor in Dallas, however, you can rely on Schulz and Kellar to manage your finances and to draft a comprehensive estate plan.

When You Should Give Thought to Retirement Planning

While some financial experts recommend hiring an advisor when you’re five or ten years away from retirement, most say that it’s better to start planning earlier. After all, the sooner you begin, the more time you have to grow your money.

However, if you haven’t been thinking about retirement, it’s never too late to start. Any money put toward savings will be certainly prove to be useful after you retire. And if you make strategic investments, you can build wealth, feel financially secure and perhaps even retire early.

Questions to Ask Before Hiring a Financial Advisor

Your choice of financial advisor matters a great deal. While the vast majority are honest and ethical, some advisors engage in fraudulent behavior. To protect yourself, ask each professional you’re considering the following questions:

  • What are your qualifications?
  • Do you specialize in certain types of clients?
  • How much experience do you have in retirement planning?
  • What is your long-term investment philosophy?
  • Can you identify tax minimization strategies?
  • What wealth management services do you offer?
  • How are you compensated for your services?

The answers you receive should let you know if a financial advisor has the professional capability and commitment to ethical standards to help you plan for retirement. Take time to weigh the decision, and choose the planner you feel is best suited to guide you in achieving your goals.

Do you live in the Dallas-Fort Worth metroplex area? Schultz and Kellar, PLLC, is one of a handful of local firms that offers both financial planning and estate planning. We’d love to put you on the path to a comfortable retirement, and we’re ready to develop strategies to grow your wealth.

For more information on the services we provide, or to schedule a free, no-obligation consultation with a friendly and knowledgeable financial and legacy planning advisor in Dallas, Texas, contact us today.

Categories: Blog, Financial Planning


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