A professional advisor can provide the guidance needed to develop and implement a personalized plan that puts your lifetime goals within reach.
Today’s investors have access to more financial and investment information than ever before. But making the right financial decisions requires significant time and experience. An advisor can apply a 360-degree view of your financial situation to develop and implement a personalized plan that puts your lifetime goals within reach.
An advisor’s value extends beyond investing and money management advice. Drawing on industry experience, an advisor can work one-on-one with you to help build a financial plan that’s centered around your objectives for wealth accumulation, asset protection, and multigenerational wealth transfer. An advisor can also serve as a resource to guide you through different life stages such as buying a house, funding college education expenses, creating a charitable giving plan, or structuring a retirement income strategy. This long-term partnership helps you pursue multiple goals through an integrated and dynamic financial plan that reflects where you are and where you are going.
Implementing a plan with the appropriate mix of investments and managing those assets based on changing markets and objectives requires a deep understanding of the industry, and an ability to apply unbiased analysis over time. Effective portfolio construction applies different strategies to support diversification, tax efficiency, and growth. Professional guidance that leverages research, historical trends, and industry best practices can help individuals make decisions that add long-term value. This expertise includes the ability to:
A financial advisor can also play an integral role in keeping your investment plan on track. Over time, portfolio assets tend to shift from their original, intended allocation putting your goals in jeopardy (Figure 1). An advisor will periodically review and rebalance assets to maintain those proportions in light of your financial situation, evolving objectives, and prevailing market conditions. Your professional can add significant value by providing active, disciplined oversight of your investment strategy throughout your financial journey.
Downturns are a normal part of the market cycle, yet even the most experienced investors are prone to panic selling when the market declines. However, moving your portfolio to the sidelines—even briefly—can be extremely costly over the long term (Figure 2). One of the most important benefits of working with an advisor may be the ongoing support you receive during periods of market volatility—helping you avoid mistakes and adhere to an agreed-upon, long-term investment strategy. Conversely, an advisor can help position your portfolio to take advantage of opportunities before the markets recover. Much like a good coach, advisors add value by helping individuals remain disciplined.
Professional advice plays a key role in instilling confidence and financial peace of mind. An experienced financial advisor can:
In a world marked by uncertainty and change, financial advisors offer more value than ever. Your investment strategy needs to adapt to geopolitical risks, rising inflation, and changing tax laws. A knowledgeable advisor can work proactively with you to make wise financial decisions while pursuing your goals.
1 Quantifying Vanguard Advisors Alpha, February 2019
2 BlackRock Global Investor Pulse, 2019
This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual or entity. It has been prepared without regard to the financial circumstances and objectives of individual investors. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. To determine what is appropriate for you, please contact your M Financial Professional. Information obtained from third-party sources are believed to be reliable but not guaranteed. Diversification does not ensure a profit or protect against loss in a declining market. M Financial Asset Management, Inc., (M Wealth) is a registered investment advisor, and a division of M Financial Group. ©Copyright 2022 M Financial Group. All rights reserved. #4718501.1 Expires 4/2024