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Benefits of working with a financial advisor

The right advisor can help you reach your financial goals. Find out how.

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1. Create a customized long-term financial strategy

Investing can involve a dizzying array of products and strategies. A financial advisor can help cut through the clutter.


  • • Build a customized strategy that works with your specific goals and risk tolerance
  • • Identify quality, diversified investment products
  • • Receive guidance to feel informed and in control of your finances
  • • Pivot your strategy as markets shift and needs change

 

David Chubak, Head of Branch Development and U.S. Business Unit

 

“We're investing in our financial advisors to ensure they're well-equipped with tools and resources to help our clients – and the many more we aspire to serve – achieve their financial goals.”

2. Provide a holistic approach to your finances and financial security

A financial advisor considers your entire financial picture—not just a single investment or account—and can help you understand how your assets could potentially achieve the maximum benefit.

  • Manage investments like stocks, bonds and mutual funds
  • Identify strategies to manage and pay off debt
  • Integrate risk tolerance and a preference for active vs. passive investing

Financial advisors costs and fees

Edward Jones offers a consultative, individualized approach to addressing your financial needs, including education savings, planning for retirement and protection strategies.

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3. Plan your retirement

The average U.S. life expectancy is 78.51, and the top financial worry for 30%2 of retirees is outliving their savings. Your investment portfolio needs to provide income for as long as you'll need it, and a financial advisor can help you plan for that.


  • • Identify the type of retirement accounts best suited to your needs
  • • Develop savings goals and plan your spending for all phases of retirement
  • • Develop estate and education strategies
  • • Plan for lifestyle goals like vacations and hobbies

 

Source:

1 World Health Organization
2 AgeWave study, "Longevity and the New Journey of Retirement"

Retirees who report a high quality of life say the smartest retirement preparation actions they took were saving early, reducing debt, maximizing contributions, and working with a financial advisor.

Source: Agewave, Longevity and the New Journey of Retirement, 2022

4. Prepare for unexpected financial events

You can’t predict the future, but you can prepare for it. A financial advisor can help you cope with the fallout of life's unexpected events and adapt your strategy to help you stay on track.


  • • Market dips that impact your current investments
  • • Job loss or other career changes that impact your income
  • • Destruction of a home or other property damage
  • • Major injury or illness

5. Replace market reaction with reason

During periods of market turbulence, it's easy to allow emotional reactions to drive investment decisions. An experienced third party can give you the confidence to stay the course.


  • • Develop a mindset around long-term gains instead of short-term comfort
  • • Create a data-driven approach that can help quell feelings of uncertainty
  • • A continuous focus on risk tolerance and time horizon customized for your needs

6. Consider investment factors up ahead

Investors often have goals based on current and planned needs, but financial advisors can offer guidance around factors that you may not have considered.

  • Combat rising inflation costs
  • Prepare for post-retirement healthcare expenses like Medicaid
  • Plan for potential regulations or changes that impact taxable accounts, contribution limits, etc.
  • Provide withdrawal rate guidance over the course of retirement

7. Limit tax liabilities and penalties

As you plan your investments, a financial advisor can identify which accounts are taxable, as well as help you navigate changing tax laws and regulations—to help ensure your wealth remains yours.


  • • Invest in accounts with different tax treatments to diversify
  • • Consider taking advantage of tax-loss harvesting to maximize investments, especially in retirement
  • • Limit or eliminate tax penalties and various fees
  • • Adapt to new regulation like Secure 2.0

*Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.

8. Build a long-term, trusted relationship

Building a personal relationship with a financial advisor helps the financial advisor tailor their guidance to your specific life situation.

  • A broader understanding of your financial goals helps deliver a more robust financial strategy
  • Deeper knowledge of your personal situation helps anticipate future needs

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Not sure how to work with a financial advisor? Get a better understanding of your different financial goals and how a financial advisor can work with you to meet them with our Starting Point Quiz.