How Do We Know If It’s Time To Start Talking To A Financial Planner?

How Do We Know If It’s Time To Start Talking To A Financial Planner?


Shouldn’t you be investing in receiving advice from a financial professional by now? How do you know if what they do applies to your situation? Aren’t there minimums for that? How do you know it’s the right time in your life to create a financial plan?

There’s no exact age or formula but there are some ways to tell if it will be worth your time and money to work with a CFP® Professional.


You’re Focused On Your Career & Want To Feel Confident Extra Cash Is Working For You.


You’re making a little more money at work nowadays and you’re noticing a little excess that you’d like to start putting to work. Perhaps you’ve started receiving regular bonuses or even some shares in the company.

As you’ve matured in your career, you find yourself in a higher tax bracket and you’re not sure how to make decisions that include your evolving tax situation.

You’ve been talking about getting some life insurance to protect your family but you haven’t found the time to research and formulate an understanding of all the options just yet.

Your spouse just received and inheritance and you two don’t want to blow it on “stuff”. You know you should be smart while honoring the source of this windfall.

You have some goals that really matter to you and you want to work out a plan to achieve them.


Debt Free & Saving


Many people balance between asset gathering mode vs. debt paydown mode. It doesn’t make sense to pay for advice when the advice is simply debt recovery. Some consumer debt even helps your credit if used responsibly but if your debt to income ratio is high, your ability to save will suffer.

Often you’re the kind of people that are, and have been, debt free for a while and really appreciate how that feels. If you use credit cards at all, the balance is very low or paid in its entirety on a monthly basis.

Create a ‘debt snowball’ to knock out all monthly debt payments that exceed 40% of your monthly income. 30% is even better.

You have some emergency savings built up. You may not know exactly how much you should have but you’re in the habit of saving.

Emergency cash is liquid and available when needed.


A Growth Mindset


Rather than spend on things, experiences are important to you. You value personal growth. You’d like to create some new habits to direct your finances toward what really matters to you and aligns with your values.

You and your partner would really like to learn to communicate better about money and build a sense of teamwork and solidarity in your financial decision making.

You want to learn more about why you behave the way you do with money.


The Ability To Delegate


You and your partner are underconfident in your money management skills. You wouldn’t mind a little help investing for your future to keep moving you in the right direction until you reach your work optional years.

You are busy! You know you should be saving for retirement and paying attention to the accounts but you’re busy doing your own profession and need to delegate this important task to a trusted advisor.

You’re the kind of people who want their T’s crossed and their I’s dotted. You’d like more “eyes” on your money.

You want to feel confident nothing is slipping through the cracks in your financial life.


Sound Familiar?


Amy L Duncan, CFP® Professional with Team Duncan Financial is ready to partner with you to create prosperity. Implementing financial plans and offering sound advice is Eric Duncan’s specialty. As a team, they find the process of working with couples to be very effective and rewarding for everyone involved.

If you can relate to the above profile or feel motivated to start the conversation, please reach out to ask about our complimentary Discovery Experience. Couples and Individuals walk away from this no-cost consultation having learned a little more about themselves and are provided some concrete next steps for their financial lives.

Moloney Securities Co., Inc. is a Registered Broker-Dealer and Member FINRA & SIPC

Investment Advisory Services offered through Moloney Securities Asset Management, LLC, Registered Investment Adviser
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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Post by Amy Duncan

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