Do you need an Investment Advisor?

Do I need an Investment Advisor?

The truth is that not everyone needs an Investment Advisor. Although, having an investment expert that you can rely on is very beneficial. One reason many investors are hesitant to work with an investment advisor is they feel their financial life is too simplistic to justify the cost of an advisor. However, even the most basic of situations on paper can mean a wealth of planning opportunities for an investor. Just as the saying goes, “you don’t know what you don’t know.”

Another reason investors are reluctant to work with an Investment Advisor is trust. Trust is a real concern for any investor entering a new relationship, as it should be.

Oxley Capital Management is composed of Investment Advisor Representatives whom are registered fiduciaries. As a Registered Investment Advisor, we have a fiduciary duty to always act in the best interest of the client-this is the highest standard of case as established by law.

Ultimately, using an Investment Advisor depends wholly on your financial objectives. Perhaps, you need retirement planning, legacy planning, or are interested in an aggressive growth strategy. This all falls under investment management and advisory.

Investment Management

Investment Advisors are paid to provide investment advice and management to clients for a flat fee or % of assets they manage.

                PROS: Expert management of your portfolio, taking into consideration your account goals and cash needs. Having a partner help you navigate complex financial situations, answer questions as they come up, and provide continuous comprehensive investment planning can be imperative to success. You’ll be given peace of mind knowing a professional is monitoring the market and portfolio, making any needed changes.

                CONS: While most Investment Advisors are ethical and skilled at what they do, you run the risk of having a substandard advisor. However, that is why Oxley Capital Management hires only 2 Investment Advisors per year, submitting them to a 3-year training tenure to prevent this from happening. We believe in having only having proven superlative Advisors manage your portfolio.

Consideration

When contemplating the use of an Investment Advisor, consider the following:

1. How complicated are your finances?

Are you facing complex matters such as inherited stock, margin trading or retirement distribution strategies? Do you expect your situation to get more complicated with the birth of a child, divorce or illness? The more complex, the more need for a professional Investment Advisor.

2. How much money do you have to invest?

With more wealth comes more investment options and complexity, and a greater need for a coordinated investment advisory Team.

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