An investment adviser in Des Moines is a person or firm who gives advice about securities to clients and in return gets a small percentage of the increase. The rate is usually around 1% though it can fluctuate depending on the market. Some firms manage your investments for you while others simply advise their clients. The type of advice you will need depends on your goals. |
If you are worried because retirement is looming and you haven’t saved much, then you may want to talk to an adviser about what you can do to improve your living standards when you hit retirement age. Of course, they will preview your possible Social Security income as well as your current retirement portfolio if you have one, but they will also assess your current income and expenditures and help you invest what you have floating around. So many people go through life without a plan. When they get to their golden years, they are anything but golden. Making a plan can give you a new sense of purpose as well as peace of mind for your future.
You may be just fine with your retirement plans, but don’t have any other financial plans. Do you want to buy a house or up-size your current home? What about college for that little bundle of joy? Large expenses such as these need to be thought out and gradually saved for in order to decrease the blow they deal to the family budget. An investment adviser in Des Moines, can help you plan for your children’s education so you can get them off your payroll and onto a company’s payroll. That transition is infinitely smoother when they have a solid education behind them. Once they are supporting themselves, you can reevaluate your finances and start saving for splurge items like a cruise or European tour that you’ve always dreamed about.
Spectrum Financial Services (http://www.sfsplanners.com/) is a Registered Investment Advisor providing financial planning and advising services to individuals in the Des Moines area. For more information about investment adviser in Des Moines visit our website.
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