cover of episode Financial Advisors (Part 2): The 5 Different Types of Advisors

Financial Advisors (Part 2): The 5 Different Types of Advisors

2022/12/15
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Taylor Schulte
创立Stay Wealthy和Define Financial，专注于无佣金退休规划和财务教育。
Topics
Taylor Schulte: 本期播客探讨了五种不同类型的理财顾问：全方位服务顾问、投资经理、仅提供建议的顾问、保险代理人和单项服务顾问。详细解释了每种类型的服务内容、收费模式以及适合的人群。全方位服务顾问提供全面的财务规划和投资管理服务，适合希望将所有财务事务委托给专业人士的人群。投资经理专注于投资管理，适合已经有财务规划且只需要专业人士管理投资的人群。仅提供建议的顾问只提供财务建议，不进行投资管理，适合那些有能力自己执行建议且享受自主管理财务的人群。保险代理人专注于保险产品销售，适合那些只需要保险服务的人群。单项服务顾问提供各种单项服务，适合那些对理财顾问服务缺乏了解或希望自己掌控所有事务的人群。选择理财顾问时，需要考虑其收费模式和提供的服务是否与自身需求相符，并根据自身情况选择最合适的类型。 Taylor Schulte: 在选择理财顾问时，除了考虑顾问类型，还需要认真衡量费用和获得的价值。全方位服务的顾问通常收费较高，但提供的服务也更全面；而仅提供建议的顾问收费较低，但需要客户自己执行建议。选择时，要确保费用透明，并根据自身情况判断费用与价值是否匹配。衡量价值的方式因人而异，重要的是找到适合自己需求和价值观的顾问。

Deep Dive

Chapters
The episode introduces the five types of financial advisors: full service advisors, investment managers, advice only advisors, insurance agents, and a la carte advisors.

Shownotes Transcript

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Today I’m tackling part two of our series on Financial Advisors.

Specifically, I’m breaking down the 5 different types of advisors (and who might be a good fit for each type).

I’m also sharing some thoughts on paying for financial advice and measuring the value you receive.

If you’re ready to continue learning about the world of financial advisors + how to make sense of the different types you can work with, today’s episode is for you.

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