Financial, retirement planners on here?

[brianakell]

Recommendation, or someone on here who does this stuff?

[Brian]

Tag for info.

[hghclsswhitetrsh]

Country financial. I have a friend who's an agent there.

Interesting concept that I just started researching is whole life insurance, for retirement and death benefits.

[Irving]

Anything specific you are looking for.

[MrPrena]

Just to let you know that there are 2 types of financial advisers.

1 One will give you all the financial goal/plan this and that for a fee (RIA/66)
2 Another one is give you all the financial goal/plan this and that without a fee, but sell you on account(s). (RR/63)

Make sure you know the adviser who works at #1/2 depending your suitability.
#1 advisers are extremely rare. If you are willing to open some retirement account, you can probably get an advise without any fee.

[banks74]

Retirement Planning Center (of the rockies). They are in Loveland. Super good folks!

[Brian]

Exactly! Seems like #1 are impossible to find. Everybody else is a salesman and it's extremely frustrating.

Just to let you know that there are 2 types of financial advisers.

1 One will give you all the financial goal/plan this and that for a fee (RIA/66)
2 Another one is give you all the financial goal/plan this and that without a fee, but sell you on account(s). (RR/63)

Make sure you know the adviser who works at #1/2 depending your suitability.
#1 advisers are extremely rare. If you are willing to open some retirement account, you can probably get an advise without any fee.

[MrPrena]

Exactly! Seems like #1 are impossible to find. Everybody else is a salesman and it's extremely frustrating.

very true. cpa, tax attorneys, insurance agents are not immured to this either.

Financial companies are very aggressive on their retail side. Most of advisors from top financial firms now have life ins license for estate/univ life even at a traditional brokerage house or advisory firm.
Lots of CPA and Tax attorneys are becoming sales person as well. Even ~13 years ago, retail side of the firm I worked at was giving free continuing education to CPA and Tax Attorneys and try to build relationship with them.
Even CPA and Tax Attorneys gets to register with the financial companies after getting licensed by a firm. Then, they can refer their clients to the Financial Advisors. After selling the product, they have some kind of split spiff/commission program for refering CPA/Tax Att. Again, those guys has to register (and get licensed) with the company to do so.

(Just like Oncologists getting some hefty commission from pharmaceuticals or biotech companies for biotech products or biologics.)

Insurance companies as well. Even mutual companies are licensing their insurance agents with basic ser7/63or66 to sell mutual funds, open money market acct, annuities, or even an individual securities.

Bank tellers cross selling CD/Savings is not even aggressive comparing with these guys.

My advice is to go with a financial institution which carries your specific product(s) you need. Other smaller brokerages will carry the same products from company you like. However, there might be a small little "Fee" on top of all the mountains of fee it is already baked into the products.

[Wulf202]

I found a reputable firm that I vetted and then paid their fee and completely puzzled them with my retirement plan. It had never occurred to them, they were just stumped.

Educate yourself, be in control of your own retirement. Take a path that works for you.

The advice the guys here have was better than the guys with the masters degrees.

[funkymonkey1111]

Dave Ramsey has "endorsed local providers" and has financial planners--you might look there.

Also may look at his views on whole life, too, if somehow you are led down that path