Why Hire A Fee-Only Financial Advisor?

Making A Big Financial Decision?

Salary Increased?

Getting Married?

Received An Inheritance?

Have Extra Cash To Invest?

1) A fee-only financial advisor can help you reach your goals.

Want to travel regularly now and when you stop working? A financial advisor 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? A fiduciary financial planner 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 fee-only 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? A fiduciary financial 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, a financial planner 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 fiduciary financial advisor. But the only question you should be asking yourself is: Is the benefit greater than the cost? A study published in the Journal of Financial Planning showed 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 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.

One study showed that advisors can potentially add about 3% in net returns each year. Don’t make costly financial mistakes. We’ve spent years honing this craft and it’s what we do best. We can help you maximize your finances and achieve your goals.

3) A fiducairy financial advisor can 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 it, and where to invest the rest.

Unsure what to do with your old 401(k)s?
The average American will hold close to 12 jobs in their lifetime. Imagine, if you leave your old 401(k)s 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 401(k), or convert it to a Roth IRA.

Are your 401(k) investments positioned for success?
When you selected your 401(k) mutual funds, did you just ask your dad or copy your co-worker’s? Chances are, it’s not fully optimized. A financial planner 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. A fee-only financial 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 fiduciary 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.

When should you talk to a fiduciary financial advisor?

A great time to seek a financial advisor is when you have several competing goals you’d like to achieve. Let’s say you’re currently saving $1,000 per month. And you’d like to: 1) save for your child’s college education, 2) buy a vacation home, and 3) increase your 401(k) contributions. A fee-only financial advisor can help you balance those competing priorities.

Another great time is when you’ve accumulated a lot of cash that is just sitting in your bank account. A fiduciary financial advisor can help maximize your money by investing in tax-advantaged accounts.

Experiencing a life event is one of the best times to start talking to a financial advisor. It can be as simple as turning 30 or 40, and you feel it’s time to work with a financial expert. If you are expecting a baby, just got engaged or married, you’ll want to reach out to a fiduciary financial advisor to help with various financial goals and concerns.

Are fee-only financial advisors worth it?

We believe fee-only financial advisors are worth it. One study showed that those who worked with a comprehensive financial advisor built about four times more wealth, than those who had no financial plan. This can be done through a combination of low-cost portfolio construction, rebalancing, tax efficiency, and behavioral coaching.

In addition, you also get intangible value. Ask yourself, how much is your peace of mind worth to you, knowing you have a financial planner who has your back? No more guessing if you’re making the right financial decisions. We are right there with you to help you achieve your financial goals.

If you want to find out more reasons why we believe fee-only financial planners are worth it, we go into more detail in this video.

Ready To Maximize Your Finances?

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Why Choose Us

More about District Capital

Why District Capital?

We’re focused on helping professionals and entrepreneurs in their 30s and 40s optimize their finances and facilitate the life of their dreams.

Our Investment Philosophy

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

Why Hire A Fee-Only Financial Advisor?

Making A Big Financial Decision?

Salary Increased?

Getting Married?

Received An Inheritance?

Have Extra Cash To Invest?

1) A fee-only financial advisor can help you reach your goals.

2) The benefit can significantly outweigh the cost.

3) A fiducairy financial advisor can make your money work for you.

4) For your peace of mind.

When should you talk to a fiduciary financial advisor?

Are fee-only financial advisors worth it?

Ready To Maximize Your Finances?

Schedule A Free Discovery Call

Why Choose Us

More about District Capital

Why District Capital?

Our Investment Philosophy

Stay Informed

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