What I do?
If you have ever watched the TV show, FRIENDS, you will get this. What does Chandler Bing do for a living? Everyone is stumped.
I kind of feel like that. I don’t discuss work very often with those around me. Probably because I have so many other things to share and talk about outside of work, mainly crushing on my family.
I usually just say I am a Financial Advisor or I work in finance or something vague like that. Sure, I may talk with somebody a little deeper about what I do, but I never initiate. Well, now I have a blog to send them toward to explain what I do. If they’re curious.
Mixing my personal life and business has never been natural for me. To be honest, I would be happy to know that those closest to me are making good decisions and getting smart advice, even if it was from another professional. However, whenever I hear a mother or father pass away prematurely or observe something I think may be wrong, I always hope that they have a plan. Premature death hits me particularly hard, especially when kids are involved. I always hope they had gotten a term policy to protect their family. If not, I could have done something about it and it is my own self talk that prevented me from reaching out.
So, what do I do?
The short answer is…. I help clients with their finances. Particularly around investments and insurance planning, rooted in financial planning.
Now that I wrote that, I know why I don’t like to talk about what I do for a living. I need a much longer conversation to really explain what I do. In fact, what I do is a little different for everyone. Why? Because my clients all have different goals, resources, risk tolerances, etc….
To give you an idea…
Watch this video to find out how I help those: Starting Out, Accumulating, Pre-retirees, Retirees and Business Owners
While there isn’t a simple, all encompassing answer to describe what I do, let me leave you with this. I often tell prospects that I meet for the first time, I look for help client in 3 different ways….
Work on their GOALS. The most obvious one being retirement, but there are many goals clients are working toward.
Being there for EVENTS in their lives. I don’t know when they will happen, but as certain things happen in life, financial circumstances/needs may change. Some examples include: getting married, having a child, inheritance, switching jobs, etc…
STRATEGY. Tax laws change. The 401k is just over 40 years old (1978). The ROTH didn’t start until 1998. The estate tax threshold changes. ETF’s are relatively new. Investment products change. Healthcare changes. Point is that there is a lot going on in the world of personal finance and I hope to be a resource to see how it may impact you.
Hope this helps!
RCL
