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Money is a tool. What do you want to build?

Financial insight from Jeremy Kisner

How do you find the right financial planner for you?

Competence and trustworthiness are more important than what an advisor is going to show you on a pie graph or in some fancy report. From my experience, the most important financial decisions are not based on numbers on a spreadsheet or a report that was spat out by a financial planning software program. The big decisions are based on what's in your heart and your intuition decisions.

People are More Important than Pie Charts

There are over 90,000 Certified Financial Planners and hundreds of thousands of financial advisors. What makes me different is that when it comes to making personal finance decisions, I look beyond the spreadsheets to what's in each client's heart.

What Does a Personal Wealth Advisor do?

Financial Advisors build and manage investment portfolios and also advise on all related personal finance matters. I like clients to think of me as an insightful friend that they can call when they have any money questions.

Corporate Executive Investing

Corporate executives make great financial planning clients. They have financial complexity and high incomes, which means tax ramifications are super important. Also, they are often quite busy. So they need a trusted team that can help them to quickly make good financial decisions.

Hiring the right financial person or firm is an important decision.

You may not know how to interview or evaluate a financial advisor. My advice is to interview a few candidates, and ask each advisor the same questions. This is an important relationship, so take your time to find someone who makes you comfortable and instills confidence.

Do Something Wonderful With Your Wealth

What makes me unique? Other financial advisors focus too much on using financial planning software to create fancy looking reports. What sets me apart is my ability to help each client figure out the best way to use their resources to build a life they truly love.

Money is a tool. What do you want to build?

Money is just a tool to help you build a life that you love. The question is, what do you want to build? Let's figure that out together. Then, we'll make sure the money is available and positioned correctly.

5 Things to Never Say to Your Kids About Money

Money can solve many of life's problems and lead to a wonderful lifestyle, but sadly parenting with wealth is not easy. In some respects, affluence makes parenting much more complicated. There's a lot of information out there on this topic. I've researched it all and boiled it down to five things that you should never say to your children.

Financial Security and Peace of Mind

Registered Investment Advisors are highly regulated. There's lots of compliance requirements, paperwork, policies and procedures. I have a team of people who love that part of the business, which frees me up to spend my time figuring out the fastest way to create financial security and peace of mind for each client.

Your Financial Decisions Should be Right for You

Sometimes people ask what I love about being a financial advisor. Figuring out the right financial plan and the right financial decisions for each person is like a puzzle. I love it. I started investing at the age of 13 and I was completely hooked. This doesn't feel like work to me.

What is the best financial plan for you?

A lot of people ask, what is the best plan to save for retirement. From my experience, working with lots of millionaire retirees, most of them did it through systematic saving over the course of their career, into a qualified retirement plan. Things like a 401k, a 403B a SEP IRA, a simple IRA. What is the right plan for you?

When do you want to retire?

If you want to retire early, you have to take the money you earn from working in your job and put it into financial assets that will continue to earn money when you are no longer working. The two biggest assets classes are stocks and real estate. The earlier you start investing the better, and the sooner you will become financially independent.

How do you prepare for retirement?

What do you need to do to prepare for retirement? There's a lot to figure out: How much are you going to spend? What assets do you have to fund those expenses? Where's your income going to come from? What type of insurance coverage do you need? What type of estate planning documents do you need? These decisions can seem intimidating, but with the right team, financial planning can be fun.

How much do you need to save?

How much do you need to save to fund your retirement? The answer differs for every person. Are you going to have a pension or not? Are you going to have your house paid off by retirement or not? Are you going to support your adult children? These are the types of things that we need to explore.

Jeremy Kisner and Surevest Private Wealth

Surevest is like a three-legged stool. First, we have our Investment Management Team that builds and manages investment portfolios. Secondly, we have our Operations Team that handles all the paperwork and administration. Third, we have a financial advisors who understands what's going on in the client's life, builds the financial plan, and communicates the needs to the rest of the team.

What is a Fee-Only Fiduciary?

A lot of financial advisors earn commissions, which inevitably leads to conflicts of interest. That is not the way that we work here at Surevest. We are a fee-only fiduciary advisor. That means that we are required by law to put our client's interests first.