Financial Consulting
A financial advisor takes a holistic look at your financial situation by assessing your income, assets — such as a home — and debt. The advisor will use that information to help you plan for your goals and select appropriate investments. Financial advisors may also help you navigate complex financial situations such as paying down debt, tax planning or ensuring you have the right insurance coverage to protect against financial risks. Many will coordinate with outside experts as needed, including insurance agents or tax specialists.

There is no specific age, career point or salary level when it becomes apparent that you need a financial advisor. Generally speaking, when your financial life is more complicated than simply depositing your paycheck and taking out money, it is time to find a financial advisor. 

Another sign that it’s time for you to get a financial advisor is if you’re going through any major life transition. This could be anything from starting a family, receiving a sizable inheritance or going through a divorce. If you have kids, for instance, you’ll want to start thinking about saving up for their college education and possibly passing on an inheritance. The right financial advisor can help you do these things.
Financial matters can be complicated. Tasks like buying and selling stocks, preparing for retirement and protecting your estate so you can pass it on to your children are all complex and often involved. Handling all of them on your own is enough to make your head spin.

A financial advisor can help you make sense of all of these tasks. Financial advisors can holistically examine your financial situation and help you craft a financial plan to ensure you make decisions that are in line with your larger financial goals. Furthermore, financial advisors have the investment expertise to make shrewd decisions in order to grow your money.

A financial advisor can help you to create an asset allocation that fits with your goals and adjust it as you get older or your goals change. At the same time, financial advisors can help you to protect your assets, which becomes especially important as you near retirement. With the help of a financial advisor, you can ensure you’re ready to retire when you want.
“A budget is telling your money where to go instead of wondering where it went."
Dave Ramsey
Tel.: 410-828-9505
Fax: 410-828-5329
1623 York Road
Lutherville, MD 21093