REAL financial advisors are viewed as doctors

For many years, there have been many incidents of consumers how to get to the end of unfair financial advice. Hundreds of thousands of dollars have gone down the drain due to the poor advice professionals called wearing similar suits of intelligent and carry cards that say "financial advisor, consultant, representative, producer or whatever". Whatever title lead, there are still many consumers confident to remain still operated by butchers meat instead of certified surgeons.

As such, the term "financial advice" has become bad press.Just ask anyone on the street what "financial advice" to them, term as "buy insurance or investment" comes up enseguida.Admitámoslo, asking to buy insurance or investment is not the most comfortable thing to do, is more likely to invite a knuckle sandwich instead.?

But wait! What really brings the real financial advice? One is for some real financial advice not only cover investments or insurance.Actual financial advisors are in fact as doctors.Provide consultation to your financial health and care for your well-being financiero.No you meet a doctor to buy cough medicine before you same diagnostica.Del mode, a financial advisor real always diagnosed their financial health first.

There are 3 things that I consider whether advisers financial the height of their titles.

This is the first to have that many financial advisers called set with its customers - cash flow management. That is correct. Want to know your wealth being real financial advisors not only want to sell you. Is spending too much?Its level of indebtedness is healthy? it manages its credit correctly? It is also the only determinant to see if you can take any insurance or investment products if necessary. No, it is the 'budget set aside' so to speak. Do you take for example, if my cash flow shows a surplus of $ 100 cash every month would make sense if you reserve a budget of $ 300 for each month to buy insurance?

Next is the customer's current investment and portfolio seguro.Ahora one can think of portfolio that customer is designed so that consultants know "what does not sell". But in fact, real financial advisors analyze client portfolios to determine that if you are generating appropriate returns, his portfolio is aligned to their appetite for risk, your premiums justified by the amount of protection.A sad truth is that most people are already paying very high premiums for insufficient insurance.In this case, an even more sad truth emerges as these people are then he said to purchase safer, finally pay even higher premiums for insurance.A real financial adviser will be restructured the portfolio of a client if necessary.

The following point can be somewhat contradicting.But real financial advisors advocating education financiera.Por example, always advocating insurance before investment. so what if the customer insists on the purchase of investment rather than ensure himself or his family first products? though it may seem to listen to the needs of the client and give financial advisors accommodate right, the fact of the matter is that most of the own customers is not financially educada.Algunos only want to make your money grow, and I think that insurance is a waste of dinero.Aquí is the work of consultants to educate their clientes.Asesores real financial financial not listen; are like doctors, share what is good and bad.

Therefore it has your financial advisor for you?