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How to Choose the Right Financial Professional For You

Personal Finance
Financial Professional discussing finances with a young couple

Financial professionals partner with clients to help achieve a financial strategy that makes the most sense for them. With training, experience and a wealth of resources, financial professionals make it their business to help guide each client through what can sometimes be difficult decisions. Whether it's life insurance, planning for retirement, business succession or charitable gifting — it all helps become more clear when a financial professional works with you to help find a solution tailored to your needs.

Experience & Knowledge

There is a lot of information available out there and you may be tempted to "do-it-yourself." A financial professional has the experience and knowledge to help you identify your financial needs and plan for a successful future. They are experienced in the complexities of the financial world and can help you navigate around potential pitfalls.

Licensed & Educated

A financial professional must be licensed, and some are required to attend continuing education seminars and courses regularly to maintain their license. That means they are up-to-date on the broad range of insurance and retirement products available in today's financial market, and have an understanding of the many resources, the current research and the latest information that may be unavailable to most people. There are a variety of professional designations that can help you find a qualified professional, such as CFP (Certified Financial Planner), CFA (Certified Financial Analyst) or ChFC (Chartered Financial Consultant).

A Personal Relationship

There are many financial journals, calculators and web sites that provide information about strategies for retirement, estate planning (please consult an attorney for estate planning needs) and business succession – but how do you know which is right for you? A financial professional can help you cut through the noise and confusion to find the strategy that best fits your individual needs. Most financial professionals have a process for helping you identify your needs and goals, assessing your current situation and developing a strategy to help meet your goals. Once you've developed a plan, they will help you monitor the effectiveness of your plan and make adjustments as needed — or as your goals change.

How to Choose a Financial Professional

The best way to find a financial professional is to ask people you know who have good relationships with qualified financial professionals. Ask friends and family members if there is someone they would recommend. You can also start right here on the Columbus Life web site to find someone near you. Once you have a list of several likely candidates, schedule a preliminary meeting to review your goals and see if there is a fit. Find out everything you can about the services provided, how fees are structured, credentials, and experience.

A qualified financial professional who helps you define a strategy for reaching your financial goals may bring you a sense of financial stability about the financial future you've worked so hard to attain.

The information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) addressed by this material. This material is being provided for informational purposes only. Columbus Life does not provide legal or tax advice. Laws of a specific state or laws relevant to a particular situation may affect the applicability, accuracy, or completeness of this information. Federal and state laws and regulations are complex and are subject to change. Consult an attorney or tax advisor regarding your specific legal or tax situation. There are insurance related costs to a life insurance policy. Premiums paid must produce sufficient cash value to pay insurance charges.