{"id":566,"date":"2019-06-26T01:28:28","date_gmt":"2019-06-26T01:28:28","guid":{"rendered":"https:\/\/missionstreetwealth.com\/?p=566"},"modified":"2019-09-28T13:45:25","modified_gmt":"2019-09-28T13:45:25","slug":"the-value-of-financial-advice","status":"publish","type":"post","link":"https:\/\/missionstreetwealth.com\/the-value-of-financial-advice\/","title":{"rendered":"What Does a Financial Advisor Do Anyway?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"566\" class=\"elementor elementor-566\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d27b4aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d27b4aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2270cd1a\" data-id=\"2270cd1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33b2e46b elementor-widget elementor-widget-text-editor\" data-id=\"33b2e46b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<!-- wp:paragraph -->\n<p>Is working with a financial advisor worth the cost? It&#8217;s a fair question.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>On-demand, low\/no cost financial information and resources are at everyone&#8217;s fingertips. Why pay someone for financial advice when you can get it for free?<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Here are two real-life examples of conversations I have had. These are real questions from real humans.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":4} -->\n<h4><strong>Question #1<\/strong> &#8211; The IRA<\/h4>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p><em>\u201cI have an IRA question. \u00a0Google left me confused.\u00a0 If we use money from our\u00a0Traditional and or Roth IRA&#8217;s do we pay penalties or taxes?\u201d<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":5} -->\n<h5><strong>My reply<\/strong><\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>Taking money out of Traditional and Roth IRAs is complicated. \u00a0Here are some\u00a0general guidelines. \u00a0You most definitely want to get specific guidance from your tax professional.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":5} -->\n<h5><strong>Traditional IRA distributions<\/strong><\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>If your original Traditional IRA contributions were tax\u00a0deductible, the money you withdraw (whether early or not) is taxable. \u00a0Distributions from a\u00a0Traditional IRA before you are older than age 59\u00bd are taxed and get hit with a 10% penalty. \u00a0<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Nondeductible IRA contributions will be tax-free, but the earnings on them will be taxed.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Taxes and penalties on early withdrawals from Traditional IRAs are brutal.\u00a0 To spend one dollar from inside your IRA you nearly have to withdraw two. Yep, the taxes and penalties are that bad. \u00a0It&#8217;s pretty much the worst option particularly if others are available to you.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":5} -->\n<h5><strong>Distribution ordering rules for Roth IRAs<\/strong><\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>If you are younger than 59\u00a0\u00bd and you\u2019ve haven\u2019t had your Roth for at least 5 years, the money you withdraw is not a <em>qualified<\/em> distribution. Part of it might be taxable.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Money comes out of a Roth IRA in this order with these tax implications:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} -->\n<ol>\n<li>Regular contributions &#8212; always tax- and penalty-free<\/li>\n<li>Conversion contributions\u00a0\u2014\u00a0(meaning you converted a Traditional IRA into a Roth) come out on a first-in, first-out basis. So, conversions from the earliest year come out first.<\/li>\n<li>Earnings on contributions<\/li>\n<\/ol>\n<!-- \/wp:list --><!-- wp:heading {\"level\":5} -->\n<h5><strong>Roth IRA earnings<\/strong><\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>Earnings inside a Roth IRA are tax-free if both following conditions are true:<\/p>\n<!-- \/wp:paragraph --><!-- wp:list -->\n<ul>\n<li>You&#8217;ve had the Roth IRA for at least five years.<\/li>\n<li>You&#8217;re age 59 1\/2 or older when you withdraw the money.<\/li>\n<\/ul>\n<!-- \/wp:list --><!-- wp:heading {\"level\":5} -->\n<h5>Get professional tax advice<\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>This is only the beginning of the conversation. \u00a0Please consult your tax professional before you make your final decision. I can make an introduction for you if you don&#8217;t have one.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":4} -->\n<h4><strong>Question #2<\/strong> &#8211; The Inheritance<\/h4>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p><em>Was wondering if you can offer any quick advice on how to choose or what to look for when shopping for a Mutual Fund? Just got the money from the sale of my mom&#8217;s house, and want to try to grow like $20K<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":6} -->\n<h6>How long you can stay invested matters<\/h6>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>How long before you need the money? Why are you investing?<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p><em>I&#8217;m hoping to not touch it for a few years. My thoughts would be if it gained any value, to withdraw the gains to spend on another trip. hahaha. I already have a 401k and IRA growing, so this would just be a place to store the money for a while<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>If by &#8220;a few years&#8221; you mean less than five, stay away from stocks. They fluctuate too much over the short run. Parking it for a few years so you can spend it on (fill in the blank) requires something more stable. Good choices would be a a short-term bond fund (maturities of less than 5 years) or a certificate of deposit from your bank or credit union. You will earn less, but you also won&#8217;t have to worry about wide swings in value.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p><em>Let&#8217;s say that I don&#8217;t want to touch it for at least 5 years&#8230; I&#8217;ve seen wide swings in my IRA, but overall for the past 5 years, It has made money&#8230;<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":6} -->\n<h6>How to think about owning stocks<\/h6>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>If you can stay invested for 5+ years then owning the best companies of America and the rest of the World (aka stocks) can make sense. The question is how to go about it?\u00a0 Since no one knows which stocks will perform the best over any given time short time period (all stocks go up in time, just not at the same time) it is usually best to own a very broad array of them.\u00a0<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Look for, perhaps, three funds. One that invests broadly in U.S. companies. Then add one that invests broadly internationally. Last, find one that focuses on small companies. Divide the money between them 40%, 40%, 20%.\u00a0<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Look into Vanguard and other low cost offerings. Find funds that don&#8217;t charge you anything upfront. Pay attention to on-going management fees. Lower is better. Most mutual funds and brokerage companies offer reasonable low cost online access and service, too.<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":6} -->\n<h6>Rebalance periodically<\/h6>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>As time goes by, say, once a year, return your fund balances back to the original 40-40-20 mix. This will force you to take money from the ones that have gone up (sell high) and move it into the ones that have stood still or declined (buy low). It&#8217;s a simple technique that adds significant value over time.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p><em>great advice. I really appreciate it&#8230;. I was going to ask about those fees and what to look out for.<\/em> <em>I think I&#8217;m gonna follow this plan because the last thing I want is to look back in 5-10 years and see that all of my mom&#8217;s money is gone.<\/em><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Do it and you will fully capture the returns the markets will give you for simply participating intelligently. And don&#8217;t get distracted by the news. It&#8217;s investment pornography!\u00a0<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":5} -->\n<h5>Second opinions matter, too<\/h5>\n<!-- \/wp:heading --><!-- wp:paragraph -->\n<p>This is some of what a Financial Advisor does. Were you expecting a prediction about &#8220;the market,&#8221; a hot stock tip, or an annuity pitch? That&#8217;s not real financial advice. But it&#8217;s often what passes for it.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Still wondering if it&#8217;s worth it? <a href=\"https:\/\/drive.google.com\/open?id=1grUV7jLeqv5Cnu3x1ijkjP9ZA1GbIuXZ\">Here&#8217;s what Vanguard thinks.<\/a><\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Their article is technical but the conclusion is that working with a real financial advisor will provide 3% in added value over the advisor&#8217;s fee. Behavioral coaching alone adds 1.5%. So, go it alone if you must. But be aware that there is a price to pay if you do.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>Are you now wondering about your financial plan? <a href=\"https:\/\/calendly.com\/missionstreetwealth\/2nd-opinion-discovery-call\">Click here<\/a> to a schedule a call for a Second Opinion.\u00a0No cost. No obligation. No hustle.<\/p>\n<!-- \/wp:paragraph --><!-- wp:paragraph -->\n<p>There are still some things, like planning, perspective, and accountability, you just can\u2019t Google.<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Is working with a financial advisor worth the cost? It&#8217;s a fair question. On-demand, low\/no cost financial information and resources are at everyone&#8217;s fingertips. Why pay someone for financial advice when you can get it for free? Here are two real-life examples of conversations I have had. These are real questions from real humans. Question [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Does a Financial Advisor Do Anyway? - Mission Street Wealth<\/title>\n<meta name=\"description\" content=\"The value of a real financial advice How to invest an inheritance. The tax cost of taking money out of an IRA. 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It&#8217;s a fair question. On-demand, low\/no cost financial information and resources are at everyone&#8217;s fingertips. Why pay someone for financial advice when you can get it for free? Here are two real-life examples of conversations I have had. These are real questions from real humans. Question&hellip;","_links":{"self":[{"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/posts\/566"}],"collection":[{"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/comments?post=566"}],"version-history":[{"count":5,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/posts\/566\/revisions"}],"predecessor-version":[{"id":1164,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/posts\/566\/revisions\/1164"}],"wp:attachment":[{"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/media?parent=566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/categories?post=566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/missionstreetwealth.com\/wp-json\/wp\/v2\/tags?post=566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}