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Why Hire An Advisor

99% of Americans don’t have a financial advisor. Here are four reasons why you should buck the trend and hire one.

1) An advisor can help you reach your goals​​

Want to travel regularly now and when you stop working? A financial planner can help create a game plan so you can enjoy your money now, while also saving enough so you can enjoy your retirement. It can mean a difference of your money lasting until 75 or 90.

Want to buy your own home or a vacation home? You’ve saved for your down payment and you’re ready to pull the trigger. How much can you afford? How can you get the best interest rate? Will this be a wise decision amidst your other goals? An advisor can crunch all these numbers for you, so you can be more confident you’re making the right decision.

Want to help pay for your child’s college? A financial planner can advise you on the best tax-advantaged college savings plan you can use. So you can invest for your child’s future, tax-free.

Tired of paying your student loans? An advisor can help accelerate your goal of fully paying off your student loans. If you work for the government or a non-profit, an advisor can help you navigate the Public Service Loan Forgiveness Program. If you work in the private sector, an advisor can help you determine if refinancing that student loan will save you money.

2) The benefit can significantly outweigh the cost.

Yes, there is a cost to hiring an advisor. But the only question you should be asking yourself is: Is the benefit greater than the cost? Multiple studies have shown that those who had a comprehensive financial plan built significantly more wealth than those with no plan. You can learn personal finance on your own. But to do it right, this involves a serious commitment in time and energy. Is this how you’d like to be spending your precious time? Just like you are an expert in your profession, financial planning is our bread and butter. We’ve spent years honing this craft. Even the best googler would be hard-pressed to put all this together on his own. Without full mastery, you won’t know what you don’t know. One slip up can easily cost you thousands of dollars.

3) Make your money work for you.

Have too much cash in your bank? A financial planner can help you determine how much cash you really need to keep, where to keep them, and where to invest the rest.
Unsure what to do with your old 401ks? The average American will hold close to 12 jobs in their lifetime. Imagine, if you leave your old 401ks where they are, you may have 12 of them by the time you retire! A financial planner can help guide on whether it’s best to keep them there, move it to a Rollover IRA, move it to your current 401k, or convert it to a Roth IRA.
Are your 401k investments positioned for success? When you selected your 401k mutual funds, did you just ask your dad or copy your co-worker’s? Chances are, it’s not fully optimized. An advisor can reposition your investments so it can grow more over the long-term.

Tired of paying taxes?
 You’re not alone! We all would like to pay our share of taxes, but not too much. An advisor can develop a tax strategy for you. This can help reduce your tax burden as you grow your retirement savings. There is a whole hierarchy of tax-advantaged vehicles that an advisor can help you tap into.

Do you have peculiar employee benefits, like ESPP or RSUs? An advisor can guide you towards the best practice so you can make the most out of your ESPP or RSU benefits.

4) For your peace of mind.

You might think that everything is fine. Ignorance can be bliss. You don’t know what you don’t know. Chances are, you’re missing an opportunity to make more money, or are exposed to a risk you’re not aware of.

If you have a financial expert in your corner, you can be more confident that you are taking advantage of the available tools to grow your wealth, reach your goals, and provide for your loved ones.

You can tune out of the 24/7 non-stop financial news rollercoaster, so you can focus on the things that matter to you.

Why Choose Us

More about District Capital Management

Why DCM

We’re laser-focused on helping middle and upper-class professionals optimize their finances and facilitate the life of their dreams/choosing.

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Our Investment Philosophy

A financial advisor can guide you towards actions that add value, regardless of what the market does.

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  • 571-210-2121
  • 2055 L St NW 4th fl
    Washington, DC 20036
  • Info@DistrictCapitalManagement.com

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