October 12, 2024
A financial advisor can be your ally in more ways than one. Allworth advisor Laurie Ingwersen, CFP®, CRPC®, CDFA®, CBC®, CEPA®, shares a few key scenarios when seeking their guidance can be a game changer.
At Allworth Financial, we believe that communication is key. Whether you’re a client or simply exploring your options, I encourage you to reach out whenever you have questions. We’re here to support you, and your peace of mind is our priority.
While it’s easy to think of contacting your advisor for pressing concerns, regular check-ins, or major life changes—like retirement or receiving a significant inheritance—there are several other important moments that may not be top of mind. Let’s explore five instances when reaching out to your advisor can make a real difference.
Real estate transactions are some of the most significant financial decisions you'll ever make. If you're thinking about buying or selling a home, it’s essential to assess your options thoroughly.
Are you upsizing or downsizing? Planning to sell and rent? Moving to a different state? Each scenario comes with unique financial implications, especially regarding state taxes, Social Security, and retirement account withdrawals.
Timing is crucial, too. If you’re aiming to relocate to a state with no income tax, remember that establishing residency requires more than just a change of address—it often involves living there for a minimum period. Let’s ensure you’re well-informed so you can avoid any unexpected surprises.
Navigating the complexities of marriage or divorce can be emotionally taxing, and financial decisions made during these times can have lasting consequences.
Whether you’re entering a new chapter or facing a challenging separation, I’m here to provide the objective support you need. Informing me about your situation can help us develop a plan that aligns with your current needs and future aspirations.
Changing jobs can be a significant life event—whether it’s a planned transition or an unexpected layoff. It's crucial to keep your advisor in the loop so we can assist you with essential decisions regarding healthcare coverage, retirement accounts, debt management, and evaluating benefits packages.
Being proactive in these discussions can empower you to make informed choices that will benefit your financial future.
Family milestones—such as the birth of a child or the loss of a loved one—can prompt important financial discussions. I often work with clients who want to ensure their loved ones are protected financially, especially if there are concerns about sudden inheritances or financial difficulties.
If you're welcoming a new child or grandchild, let’s discuss your insurance coverage and potential college funding options. Conversely, in the unfortunate event of a loss, we can navigate the financial complexities together to provide clarity and support.
As a significant number of Boomers transition from their careers to entrepreneurial endeavors, many are using personal funds to launch new ventures. While this can be exciting, it’s crucial to assess the financial implications before diving in.
Before you consider emptying your retirement savings, let’s explore potential funding options, such as small business loans. I can help ensure you’re making informed decisions that protect your personal finances and position your business for success.
As a financial advisor for over two decades, I understand that today’s financial landscape is more complex than ever. Very few individuals without a finance background can successfully navigate these challenges alone.
That’s where we come in. Whether it’s to discuss a life event, a financial decision, or simply to gain clarity, I’m here to help guide you every step of the way.
My father was a financial advisor who introduced me to the impact proactive planning can have on people’s lives at a very early age. At the same time, I also watched my mother struggle to make the right, forward-focused decisions after divorce—which ultimately led her to a life of financial insecurity. Forever moved by the sacrifices she made for us, I want to honor her by helping others avoid some of the mistakes she made. Now as a passionate financial professional myself, I strive to help others make sound financial decisions that expertly balance their priorities today and their future needs.
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5 InvestmentNews 2020 and 2021 Best Places to Work for Financial Advisers. The ranking reflects survey responses and scores completed by both employers and employees. Employers report their organization’s workplace policies, practices, and demographics. Employees complete a survey designed to measure the employee experience.
6 2021 Value of an Advisor Study / Russel Investments
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8 USA Today Best Financial Advisory Firms 2024. The ranking is based on the growth of the companies’ assets under management (AUM) over the short and long term and the number of recommendations they received from clients and peers.
9 NBRI Best in Class Ethics 2023. The Best in Class level is bestowed upon clients performing at or above 90 percentile of the NBRI ClearPath Benchmarking Database.
✢ Scott Hanson, Investment Advisor 2005, 25 most influential people in the financial services industry. The ranking reflects 25 people who Investment Advisor magazine believes have had or will have the greatest influence on the financial services industry.
✼Pat McClain, InvestmentNews 2014, Invest in Others Community Service Award, presented to an advisor who has made an outstanding impact on a community through managerial contributions to a non-profit organization.
†Financial Times, FT 300 Top Registered Investment Advisers, June 2019. The ranking reflects six areas of consideration including the company's years in existence, industry certifications of key employees, AUM, asset growth, SEC compliance record and online accessibility and calculates a numeric score for each company.
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