10 Reasons to Choose a Financial Pro Sure, you may respect your uncle’s advice; your best friend may have helpful opinions to share; and your neighbor may work with numbers . . . but there are moments when you need to seek out a competent financial professional to ensure your best interests are covered. And, there is no reason to settle for the counsel of someone who doesn’t have the patience, motivation or expertise needed to properly guide you. The financial planning team at LPL Financial, located at TruWest Credit Union, works with you closely to fully explain your options while taking your entire portfolio into account. In short: Our advisors are focused on you. Top Ten Signs You Need an Advisor 1. You’re trying to make sense of complicated financial offerings such as disability or long-term care insurance, employee stock options or business partnerships. 2. Congratulations, you’re getting married! From combining debt to understanding tax return options, a financial planning session will help you select the best solutions. 3. You’re buying or selling a house and need insights on topics like down payment, mortgage alternatives, capital gains and home sale reinvestment options. 4. You’re buying or selling a business and need help navigating the complexities of capital gains, wealth transfer, taxes and other aspects of being an entrepreneur. 5. You’re considering divorce. All sorts of revisions may be necessary, including the division of assets, drawing up a new will and insurance policy adjustments. 6. You’re about to inherit money and need to understand how to manage a new influx of funds or assets. A financial advisor can help you plan allocations to last time. 7. You need to rollover your 401(k). It never hurts to seek out a knowledgeable advisor to ensure you are not taxed, and that your retirement remains on course. 3 8. You’re saving for college. There are many factors such as university choice, degree length, number of children, study abroad and changing tax codes to be considered. 9. You’re establishing or managing your retirement plan, and need guidance that will ensure you can achieve the lifestyle you desire. 10. You’re in need of estate planning. This includes deciding who should receive your wealth, how much and when. An advisor can help minimize taxes and headaches. Look to LPL Financial To obtain sound financial advice from a professional, please arrange a complimentary consultation with an LPL Financial advisor at your nearest TruWest branch: contactfp@truwest.org • 1-855-690-3762 Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. TruWest Credit Union is not a registered broker/dealer nor affiliated with LPL. NOT NCUA INSURED NO CREDIT UNION GUARANTEE MAY LOSE VALUE 3
On_The_Money_Spring_2015
To see the actual publication please follow the link above