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Why You Need a Financial Advisor to Help You Plan for Retirement

You may have read our previous articles which take a detailed look at the importance of retirement planning, how to do it, and everything else in between. Planning for retirement is one of the most important financial steps that you can take.

However, doing it on your own is not only time-consuming, but if you don’t understand the world of finance, it can be difficult too.

In this article, we explain why hiring a financial planner to help you plan for your retirement will help you achieve not only your future, long-term goals, but your short-term goals too.

benefits of financial advisor for retirement planning

Benefits of a Financial Advisor for Retirement Planning

Although there are countless benefits of working with a financial planner, we are going to look at four that stand out, especially when it comes to retirement planning.

We Offer Financial Expertise

Financial advisors have all the knowledge and expertise necessary to help you navigate the world of investments, savings, interest rates, and tax. These are complex concepts and can be difficult to understand for those who are not trained. Financial advisors help you establish a portfolio based on your needs, short- and long-term goals, as well as your current circumstances. They are also there to help you make big decisions which could have an impact on your finances in the future. Without a financial advisor by your side, you may make decisions out of fear, desperation, or simply because someone (unqualified) told you that it was a good financial move. Unfortunately, the results of unsound decisions made, especially in a volatile market, the potential loss you may face can be devastating.

We Develop a Plan for You

Financial planners help you develop a financial plan for you and only you. What we mean is that we do not copy and paste financial advice – we get to know you, what your dreams are, and where you see yourself after retirement. Once we have this information, we tailor make a financial plan to help you get to where you are going. Special attention is placed on retirement planning and, ultimately, every decision we help you make today, sets you up for a comfortable retirement.

We Help You to Get Smart

Almost every child is taught how to set SMART goals in school. However, as adults, we often forget to use this method to help us forge a pathway to our success. SMART is an acronym which stands for specific, measurable, achievable, realistic, and time-bound. This strategy is particularly effective when setting out financial goals because it helps you be specific and realistic about what you want, while putting in place ways to track and measure your process. It also helps you set out a time limit for when you want to achieve your goals by, helping you be proactive and dedicated to achieving your SMART goals. There is nothing more satisfying than working towards something and achieving it and financial advisors help you do just that.

We Manage Your Portfolio

Like with everything in life, things change and they can change quickly and without warning. When it comes to finances, changes can look like:

  • A crashing market
  • A flourishing market
  • You get a promotion and with it a higher salary
  • You get retrenched and lose your income
  • You get a bonus
  • You inherit an estate with high value

All of these can have an impact on your ability to save and/or invest. When your circumstances (or the investment markets) change, financial advisors help you adjust your portfolio accordingly. We also help you keep a level head when things get scary by providing you with unbiased, objective advice that will help you get out of the woods with your portfolio well intact.

Olemera Financial Services – Financial Advisors in Johannesburg

Retirement is inevitable and planning properly for it should be everyone’s priority. Our financial advisors in Johannesburg can help you assess your goals while helping you build steppingstones to achieving them.

We are with you every step of the way. Your success is our success and we thrive on helping our clients grow from financial strength to strength.

For more information about our financial planning services which are available to anyone in South Africa, contact us.

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