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They can help you create a personalied retirement plan and give you the expert advice you need to achieve your dream retirement.",[1027],{"type":129,"attrs":1028},{"color":12},{"type":18,"content":1030},[1031],{"text":1032,"type":22,"marks":1033},"Investments and growing your portfolio",[1034,1035],{"type":38},{"type":129,"attrs":1036},{"color":12},{"type":18,"content":1038},[1039,1044],{"text":1040,"type":22,"marks":1041},"A financial advisor can bring shape to your budding portfolio and create a personalized investment strategy that ",[1042],{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22},"covers everything from your current financial situation and risk tolerance to your long-term investment goals.",{"type":18,"content":1047},[1048],{"text":1049,"type":22,"marks":1050},"You can communicate with your advisor about your preferences, interests, attitude to risk, etc., and build the perfect strategy for you.",[1051],{"type":129,"attrs":1052},{"color":12},{"type":18,"content":1054},[1055,1061],{"text":1056,"type":22,"marks":1057},"Going through a divorce",[1058,1059],{"type":38},{"type":129,"attrs":1060},{"color":12},{"text":1062,"type":22,"marks":1063}," ",[1064],{"type":129,"attrs":1065},{"color":12},{"type":18,"content":1067},[1068],{"text":1069,"type":22,"marks":1070},"The financial impact of a divorce is almost as notorious as the emotional impact, and financial decisions made during divorce proceedings can have enormous, long-lasting consequences.",[1071],{"type":129,"attrs":1072},{"color":12},{"type":18,"content":1074},[1075,1080],{"text":1076,"type":22,"marks":1077},"Receiving help from a supportive expert in the finance field is hugely advised. A financial advisor’s support can give important early shape to your settlement and plans, help you understand your new financial situation, and help you",[1078],{"type":129,"attrs":1079},{"color":12},{"text":1081,"type":22}," move forward, feeling confident about your financial future.",{"type":18,"content":1083},[1084],{"text":1085,"type":22,"marks":1086},"Estate planning",[1087,1088],{"type":38},{"type":129,"attrs":1089},{"color":12},{"type":18,"content":1091},[1092,1099],{"text":1085,"type":22,"marks":1093},[1094,1097],{"type":31,"attrs":1095},{"href":1096,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/financial-advice/do-i-need-financial-advice",{"type":129,"attrs":1098},{"color":12},{"text":1100,"type":22,"marks":1101}," is a crucial task that helps you put a plan in place for when you’re no longer here. It takes time and a lot of planning.",[1102],{"type":129,"attrs":1103},{"color":12},{"type":18,"content":1105},[1106],{"text":1107,"type":22,"marks":1108},"A financial advisor can help you build a comprehensive estate plan, ensure you have all the right documents and implement clever tax strategies to reduce your loved one's potential tax burden.",[1109],{"type":129,"attrs":1110},{"color":12},{"type":18,"content":1112},[1113,1118],{"text":923,"type":22,"marks":1114},[1115,1116],{"type":38},{"type":129,"attrs":1117},{"color":12},{"text":1062,"type":22,"marks":1119},[1120],{"type":129,"attrs":1121},{"color":12},{"type":18,"content":1123},[1124],{"text":1125,"type":22,"marks":1126},"Whether you’re considering making a big purchase or want to ensure your money is working as hard as possible for you, it’s worth examining your finances and perhaps implementing some changes.",[1127],{"type":129,"attrs":1128},{"color":12},{"type":18,"content":1130},[1131,1136],{"text":1132,"type":22,"marks":1133},"A financial advisor is poised to help with this shift and anything that comes with it. They can i",[1134],{"type":129,"attrs":1135},{"color":12},{"text":1137,"type":22},"ntegrate every part of your financial life and get a personalized plan with carefully picked products and services to achieve your financial goals.",{"type":18,"content":1139},[1140,1146],{"text":1141,"type":22,"marks":1142},"Managing your taxes",[1143,1144],{"type":38},{"type":129,"attrs":1145},{"color":12},{"text":1062,"type":22,"marks":1147},[1148],{"type":129,"attrs":1149},{"color":12},{"type":18,"content":1151},[1152],{"text":1153,"type":22,"marks":1154},"Whether you’re an employee or a self-employed business owner, you must consider taxes no matter where you live in the US. You’ll need to account for federal and state-level income tax in most states.",[1155],{"type":129,"attrs":1156},{"color":12},{"type":18,"content":1158},[1159],{"text":1160,"type":22,"marks":1161},"A financial advisor should be on the cards for those seeking to minimize their tax burden and make proper use of deductions.",[1162],{"type":129,"attrs":1163},{"color":12},{"type":18,"content":1165},[1166],{"text":1167,"type":22,"marks":1168},"Protecting your life, health and wealth with the right insurance policies",[1169,1170],{"type":38},{"type":129,"attrs":1171},{"color":12},{"type":18,"content":1173},[1174,1179,1187,1192,1200],{"text":1175,"type":22,"marks":1176},"According to Statista, around ",[1177],{"type":129,"attrs":1178},{"color":12},{"text":1180,"type":22,"marks":1181},"half of Americans have term life insurance",[1182,1185],{"type":31,"attrs":1183},{"href":1184,"uuid":34,"anchor":34,"target":859,"linktype":36},"https://www.annuity.org/life-insurance/statistics/",{"type":129,"attrs":1186},{"color":12},{"text":1188,"type":22,"marks":1189}," policies and around ",[1190],{"type":129,"attrs":1191},{"color":12},{"text":1193,"type":22,"marks":1194},"92% have health insurance",[1195,1198],{"type":31,"attrs":1196},{"href":1197,"uuid":34,"anchor":34,"target":859,"linktype":36},"https://www.statista.com/topics/7807/health-insurance-in-the-us/",{"type":129,"attrs":1199},{"color":12},{"text":1201,"type":22,"marks":1202},". If you want to take out one or the other, an advisor can help ensure you get the best deal, product, and coverage for your needs.",[1203],{"type":129,"attrs":1204},{"color":12},{"type":18,"content":1206},[1207],{"text":1208,"type":22,"marks":1209},"A financial advisor can also talk you through other less common options that you might benefit from, including long-term care insurance, critical illness insurance and income protection insurance.  ",[1210],{"type":129,"attrs":1211},{"color":12},{"type":764,"attrs":1213,"content":1214},{"level":766},[1215],{"text":1216,"type":22,"marks":1217},"Why do I need a financial advisor? ",[1218,1219],{"type":38},{"type":129,"attrs":1220},{"color":12},{"type":18,"content":1222},[1223,1228,1236],{"text":1224,"type":22,"marks":1225},"Hiring a financial advisor can be a great decision. Yet, in 2022, only ",[1226],{"type":129,"attrs":1227},{"color":12},{"text":1229,"type":22,"marks":1230},"35% of people in the US",[1231,1234],{"type":31,"attrs":1232},{"href":1233,"uuid":34,"anchor":34,"target":859,"linktype":36},"https://www.statista.com/statistics/1176393/financial-advisor-usa/",{"type":129,"attrs":1235},{"color":12},{"text":1237,"type":22,"marks":1238}," chose to utilize the skillset of a financial advisor.  ",[1239],{"type":129,"attrs":1240},{"color":12},{"type":18,"content":1242},[1243],{"text":1244,"type":22,"marks":1245},"Access to a quality financial advisor equals access to expertise, potentially favorable product rates and offers, and guidance on everything from minimizing your tax burden to making complex financial decisions.  ",[1246],{"type":129,"attrs":1247},{"color":12},{"type":18,"content":1249},[1250,1255,1263],{"text":1251,"type":22,"marks":1252},"Meanwhile, not hiring an advisor when needed can cause costly, tough-to-rectify ",[1253],{"type":129,"attrs":1254},{"color":12},{"text":1256,"type":22,"marks":1257},"mistakes",[1258,1261],{"type":31,"attrs":1259},{"href":1260,"uuid":34,"anchor":34,"target":859,"linktype":36},"https://www.unbiased.com/discover/budgeting-savings/financial-advice-mistakes",{"type":129,"attrs":1262},{"color":12},{"text":1264,"type":22,"marks":1265},". If you’re unsure whether you need financial advice or not, ask yourself these questions: ",[1266],{"type":129,"attrs":1267},{"color":12},{"type":775,"content":1269},[1270,1279,1288,1297],{"type":778,"content":1271},[1272],{"type":18,"content":1273},[1274],{"text":1275,"type":22,"marks":1276},"Could I benefit from support and expert help when making financial decisions? ",[1277],{"type":129,"attrs":1278},{"color":12},{"type":778,"content":1280},[1281],{"type":18,"content":1282},[1283],{"text":1284,"type":22,"marks":1285},"Am I dealing with complex financial issues that I find confusing?  ",[1286],{"type":129,"attrs":1287},{"color":12},{"type":778,"content":1289},[1290],{"type":18,"content":1291},[1292],{"text":1293,"type":22,"marks":1294},"Would I like to increase my wealth and expand my asset portfolio? ",[1295],{"type":129,"attrs":1296},{"color":12},{"type":778,"content":1298},[1299],{"type":18,"content":1300},[1301],{"text":1302,"type":22,"marks":1303},"Do I fully understand my taxes, or could an advisor save me some money here? ",[1304],{"type":129,"attrs":1305},{"color":12},{"type":764,"attrs":1307,"content":1308},{"level":766},[1309],{"text":1310,"type":22,"marks":1311},"How do I find a financial advisor?",[1312,1313],{"type":38},{"type":129,"attrs":1314},{"color":12},{"type":18,"content":1316},[1317],{"text":1318,"type":22,"marks":1319},"Are you hoping for help with your taxes and financial planning? Or are you gearing up to retire and hoping to put yourself in the best place monetarily before you do?",[1320],{"type":129,"attrs":1321},{"color":12},{"type":18,"content":1323},[1324],{"text":1325,"type":22,"marks":1326},"Once you know what you need from an advisor, you’ll be able to seek out well-reviewed professionals who provide those services and have experience in those areas.  ",[1327],{"type":129,"attrs":1328},{"color":12},{"type":18,"content":1330},[1331],{"text":1332,"type":22,"marks":1333},"At Unbiased, we will connect you with a financial advisor perfectly suited to meet your needs.",[1334,1335],{"type":38},{"type":129,"attrs":1336},{"color":12},{"type":18,"content":1338},[1339],{"text":1340,"type":22,"marks":1341},"Better still, your first consultation will be completely free. All you have to do is answer a few simple questions, and we’ll look after the rest.",[1342,1343],{"type":38},{"type":129,"attrs":1344},{"color":12},{"type":18,"content":1346},[1347,1355,1361],{"text":1348,"type":22,"marks":1349},"Find your perfect financial professional today",[1350,1352,1353],{"type":31,"attrs":1351},{"href":55,"uuid":34,"anchor":34,"target":859,"linktype":36},{"type":38},{"type":129,"attrs":1354},{"color":12},{"text":1356,"type":22,"marks":1357},". ",[1358,1359],{"type":38},{"type":129,"attrs":1360},{"color":12},{"text":1362,"type":22,"marks":1363},"    ",[1364],{"type":129,"attrs":1365},{"color":12},{"_uid":1367,"text":1368,"component":1369},"b4673656-cf45-4a43-a333-185b655edb14","Frequently asked questions","article-subheading",{"_uid":1371,"component":1372,"accordions":1373},"d7df8512-58c1-49cf-8d1c-e397bd1e7894","app-accordion-group",[1374,1384,1393],{"_uid":1375,"text":1376,"title":1382,"component":1383},"ef515e95-886d-4b83-980b-7772beba4f28",{"type":15,"content":1377},[1378],{"type":18,"content":1379},[1380],{"text":1381,"type":22},"Consider hiring a financial advisor if you lack experience or have complex financial situations. Their expertise can help you understand unfamiliar concepts and provide personalized assistance when needed.","At what point should you consider a financial advisor?","app-accordion",{"_uid":1385,"text":1386,"title":1392,"component":1383},"8619f544-3a04-4491-accd-b9249c01b11c",{"type":15,"content":1387},[1388],{"type":18,"content":1389},[1390],{"text":1391,"type":22},"Financial advisors typically prefer clients with portfolios of at least $100,000, as they often charge a percentage fee. This ensures their time is valued, yielding annual earnings of around $1,000 to $2,000.","How much money should you have before a financial advisor?",{"_uid":1394,"text":1395,"title":1401,"component":1383},"54fe26f9-3212-4ae8-b53d-358169d76135",{"type":15,"content":1396},[1397],{"type":18,"content":1398},[1399],{"text":1400,"type":22},"Financial planners commonly charge based on a percentage of your investments, often with an initial fee around 3%.","How much does a financial planner cost?",[1403],{"_uid":1404,"image":1405,"title":1412,"component":1425,"breadcrumbs":558},"48b71afc-a91a-4890-bdc7-b41391107d5d",{"alt":1406,"name":12,"title":1407,"filename":1408,"copyright":12,"fieldtype":1409,"meta_data":1410,"content_type":1411},"A lady is talking to another lady looking at the papers on the table","Financial advisor","https://a.storyblok.com/f/185166/900x450/3e30ab90f7/when-do-i-need-a-financial-advisor.jpg","asset",{},"jpg",{"type":15,"content":1413},[1414],{"type":18,"content":1415},[1416,1418,1423],{"text":1417,"type":22},"When do I need a ",{"text":815,"type":22,"marks":1419},[1420],{"type":25,"attrs":1421},{"class":1422},"primary-gradient",{"text":1424,"type":22},"?","app-hero",{"name":1427,"created_at":1428,"published_at":1429,"updated_at":1430,"id":1431,"uuid":1432,"content":1433,"slug":1443,"full_slug":1444,"sort_by_date":34,"position":1445,"tag_list":1446,"is_startpage":543,"parent_id":1447,"meta_data":34,"group_id":1448,"first_published_at":1449,"release_id":34,"lang":730,"path":34,"alternates":1450,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1434,"_uid":1435,"name":1427,"image":1436,"component":1439,"education":1440,"expertise":1441,"description":1442},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1437,"alt":12,"name":12,"focus":12,"title":12,"filename":1438,"copyright":12,"fieldtype":1409,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1452,1469],{"_uid":1453,"body":1454,"title":1467,"component":1468},"b5fe05e9-3cd0-4f8f-922c-3dce755b7ff4",[1455,1459,1463],{"_uid":1456,"href":1457,"text":1458,"component":542,"openInNewWindow":558},"0982bb0c-67b4-4bda-a68b-261801798061","https://www.unbiased.com/discover/budgeting-savings/your-first-meeting-with-a-financial-advisor","First meeting with advisor",{"_uid":1460,"href":1461,"text":1462,"component":542,"openInNewWindow":558},"898501e9-759b-46b7-857b-75067032f111","unbiased.com/discover/budgeting-savings/how-much-should-financial-advice-cost","How much does financial advice cost",{"_uid":1464,"href":1465,"text":1466,"component":542,"openInNewWindow":558},"8c7dfd84-228c-42dd-a20b-b49ae3e731aa","unbiased.com/discover/budgeting-savings/do-i-need-financial-advice","Do I need financial advice","Related to this article","app-links-list",{"_uid":1470,"list":1471,"cta_link":1472,"cta_text":1473,"component":1474,"window_label":12,"window_title":1475},"249783ec-4079-4a80-bc25-3d1d37e5d109","Unbiased can match you with a trusted, regulated financial advisor perfectly suited to meet your needs. ","https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/","Get started now","app-banner",{"type":15,"content":1476},[1477],{"type":18,"content":1478},[1479],{"text":1480,"type":22},"Looking for a financial advisor?",{"title":1482,"plugin":1483,"og_image":12,"og_title":12,"description":1484,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"When do I need a financial advisor? | Unbiased","seo_metatags","Discover the wide range of services offered by a financial advisor and the scenarios where you can benefit from trusted financial advice.","app-article",[],[],"From planning for retirement to building your investment portfolio, this article takes you through the wide range of services an advisor offers and how you can benefit from trusted financial advice.  ",[],"when-do-i-need-a-financial-advisor","discover/financial-advice/when-do-i-need-a-financial-advisor",-3080,[],365590167,"f6a5f4ec-3bd4-4f45-abe4-b59b79989732","2023-08-30T15:13:40.079Z",[],{"left":727,"top":727,"width":1499,"height":1499,"rotate":727,"vFlip":543,"hFlip":543,"body":1500},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1502,1505,1506],{"title":1503,"exact":558,"href":1504},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1507,"disabled":558},"/discover/financial-advice/when-do-i-need-a-financial-advisor",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1509},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540310747]