Slight Edge Insurance & Financial Services LLC.

The value of a financial advisor depends on their fees and the benefits they provide. Here’s how to think about it in dollar terms: 1. Cost of a Financial Advisor ? Fee-Only Advisors: Charge a percentage of assets under management (AUM), typically 0.25%–1% per year. For a $1M portfolio, that’s $2,500–$10,000 annually. ? Flat-Fee or Hourly Advisors: Charge per session or plan, usually $200–$500 per hour or $2,000–$10,000 for a full financial plan. ? Commission-Based Advisors: Earn money from product sales, like mutual funds or insurance, which can vary widely. 2. Value They Can Provide (Potential Dollar Benefits) ? Investment Returns: Studies suggest advisors can add 1.5%–4% per year in returns through better asset allocation, tax efficiency, and behavioral coaching. On a $1M portfolio, that’s an extra $15,000–$40,000 annually. ? Tax Savings: Proper tax planning can save thousands per year, especially for high-net-worth investors. ? Retirement Planning: Avoiding major mistakes (like withdrawing too early or not planning for healthcare) can mean hundreds of thousands more in retirement. ? Estate & Insurance Planning: Can prevent costly legal or tax errors, sometimes saving millions in estate taxes. Bottom Line A good financial advisor’s worth depends on your needs. If they help you avoid mistakes, optimize taxes, and grow wealth, they can be worth far more than their cost—potentially hundreds of thousands or even millions over a lifetime. Are you considering hiring one, or are you managing your finances yourself?

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Thanks for being connecting with us. We pride ourselves in helping individuals “COMPLETE” their portfolios. We say this because although many have done well in their portfolios/savings, they don’t have “SAFETY PIECES” to protect against market loss. Let us help you complete your portfolio/savings…….. Go to https://lnkd.in/gBYFUpiu to schedule a complimentary consultation

A fixed indexed annuity (FIA) can be a good option for individuals looking for a balance between growth potential and principal protection. Here are some scenarios where it might be a suitable choice: 1. Those Nearing or in Retirement If you’re looking for a way to generate income during retirement while preserving your principal, an FIA offers protection from market downturns. It can also provide guaranteed income streams if annuitized or paired with an income rider. 2. Risk-Averse Investors If you’re uncomfortable with the volatility of the stock market but still want some growth potential tied to market performance (typically through an index like the S&P 500), an FIA might be appealing. 3. People Seeking Tax-Deferred Growth Like other annuities, FIAs allow earnings to grow tax-deferred, which can benefit those in higher tax brackets who want to delay paying taxes on investment gains. 4. Those Wanting Guaranteed Lifetime Income With the addition of income riders, an FIA can provide a predictable lifetime income stream, which can be especially attractive if you’re worried about outliving your savings. 5. Estate Planning or Legacy Goals Some FIAs offer death benefits, ensuring that beneficiaries receive a portion of the annuity value upon your passing. That said, FIAs are not for everyone. Their complexities, fees, and potential restrictions (such as surrender charges) mean they might not suit someone who needs liquidity or a high-growth investment. It’s best to consult a financial advisor to see if an FIA aligns with your retirement goals and risk tolerance. Are you considering one as part of your retirement strategy? Schedule a complimentary consultation to learn if a Fixed Indexed Annuity can “ENHANCE” your portfolio. https://lnkd.in/e86Z8RKM #women #men #businessowners #selfemployed

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A fixed indexed annuity (FIA) can be a good option for individuals looking for a balance between growth potential and principal protection. Here are some scenarios where it might be a suitable choice: 1. Those Nearing or in Retirement If you’re looking for a way to generate income during retirement while preserving your principal, an FIA offers protection from market downturns. It can also provide guaranteed income streams if annuitized or paired with an income rider. 2. Risk-Averse Investors If you’re uncomfortable with the volatility of the stock market but still want some growth potential tied to market performance (typically through an index like the S&P 500), an FIA might be appealing. 3. People Seeking Tax-Deferred Growth Like other annuities, FIAs allow earnings to grow tax-deferred, which can benefit those in higher tax brackets who want to delay paying taxes on investment gains. 4. Those Wanting Guaranteed Lifetime Income With the addition of income riders, an FIA can provide a predictable lifetime income stream, which can be especially attractive if you’re worried about outliving your savings. 5. Estate Planning or Legacy Goals Some FIAs offer death benefits, ensuring that beneficiaries receive a portion of the annuity value upon your passing. That said, FIAs are not for everyone. Their complexities, fees, and potential restrictions (such as surrender charges) mean they might not suit someone who needs liquidity or a high-growth investment. It’s best to consult a financial advisor to see if an FIA aligns with your retirement goals and risk tolerance. Are you considering one as part of your retirement strategy? Schedule a complimentary consultation to learn if a Fixed Indexed Annuity can “ENHANCE” your portfolio. https://lnkd.in/e86Z8RKM #women #men #businessowners #selfemployed

If you draw down your lump sum savings too aggressively, and live longer than you expected, you might have to rely on less in your later years, he says. But, conversely, if you draw down your savings too conservatively and pass away earlier than you expected, you could end having less and not enjoying your retirement years as much as you could have. Having some portion of your retirement assets in an annuity lessens these two risks. You can have a standard of living that’s higher than in the conservative draw-down case and be assured that protected lifetime income will last as long as you do. Schedule a complimentary consultation to learn how to “ENHANCE YOUR PORTFOLIO” #women #men #businessowners https://lnkd.in/e86Z8RKM

Listen to this and tell me why you don’t own one. Your 401k cannot do this!!! https://lnkd.in/ehKDFQ5y Schedule your complimentary consultation after viewing this video https://lnkd.in/e86Z8RKM #lifetimeincome #stockmarketloss #protectedretirement #men #women #businessowners