Trusted Financial Advisor in Phoenix & the Valley

A money manager focuses primarily on managing investments, which is just one part of a larger whole. A financial planner takes a broader, more holistic approach by helping coordinate investment management with retirement planning, taxes, Social Security, estate planning, and other long-term financial considerations. While money management addresses how your money is invested, financial planning is about creating an overall strategy to guide financial decisions while looking ahead towards retirement.

Whether you need a financial advisor for retirement planning depends on the complexity of your situation and the confidence you have in managing long-term financial decisions on your own. A successful retirement plan involves more than choosing investments—it requires coordinating income sources, taxes, Social Security, and risk management over many years. A financial advisor can help bring structure and clarity to those decisions, identify potential blind spots, and adjust your plan as markets, laws, your goals, and life circumstances change, so you’re not navigating retirement planning alone.

We are compensated through a fee-only structure on the assets we manage, meaning our advisory fee is based on the value of the assets under our management. In some cases, insurance products may be a valuable part of a client’s overall retirement plan. For funds allocated towards such insurance products, no there is no advisory fee to our clients, as compensation is paid directly by the insurance company. We believe in full transparency around how we’re compensated so clients can understand how recommendations fit into their broader plan.

Initial consultations, plan setup, and periodic reviews are all conducted at no additional cost.

Getting started with a financial advisor begins with booking a time for a simple conversation using the calendar above. This initial discussion is an opportunity for you to ask questions and for us to better understand your unique objectives and situation.

From there, we will schedule a consultation (which can be via video-conferencing from the comfort of your own home) to review the more quantifiable aspects of your financial situation–assets, income needs now and in retirement, investment risk tolerance, etc.

All it requires is a small investment of your time, and we believe that the clarity and confidence gained make that an investment well worth making (and we know a thing or two about investments!).

We’ll provide a simple list of important items to gather for review ahead of our initial consultation so as to begin the retirement planning process of bringing structure and clarity to your financial position. No need to worry about the unknown or what steps you need to take and when to take them–we’ll provide guidance every step of the way.

We’re happy to answer whatever question you may have relating to financial planning in New Hampshire! Go ahead and book a time to speak to an advisor using the button below or reach out to us at mcole@theivyag.com.

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