9-1-26 What Should You Expect From a Financial Planner?

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio.

A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change.

Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money.

0:00 INTRO
0:54 – Economic Previews & late earnings trickle in
3:15 – AI: Dis-inflationary AND Inflationary
4:57 – September is Seasonally Weak:
11:20 – Traditional Buy & Hold vs more active management & fear of gains
14:16 – Capital Preservation is first priority
17:44 – Separately Managed Accounts (SMA) vs S&P
20:04 – The Challenges of starting to build financial plan
26:00 – Getting Your Money’s Worth from Financial Advisor
29:21 – The Problem of Account Accumulation & Dilution of Returns
34:02 – Budgeting, stress-testing, & tax planning opportunities
36:17 – Estate planning, medical directives, Durable POA
38:08 – Financial Planning priorities in Investing
39:06 – The Role of Life Insurance in Financial Planning
40:26 – Annuities’ Bad rap – does it make sense?
44:00 – How much Liability Protection do You Need?

Hosted by RIA Advisors’ Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
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Watch our previous show, “Druckenmiller’s Bond Market Warning”

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Watch today’s “Before the Bell” report, “Don’t Make a Big Bet Yet,”

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Articles mentioned in this report:
“Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)”
https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/
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