A portfolio manager, who is also a Certified Financial Planner^TM professional, can advise your overall financial success, as well  as stocks, bonds and annuities

LFM&P: Your most important financial result is the ability to meet your life goals. Investment products can be important means to reach those goals, but are best considered only to be a secondary part of your overall strategy. Planning for major events like retirement, requires consideration of what future resources will be needed, the time frame, and possible risks as well as investment returns. A portfolio manager, who is also a Certified Financial Planner^TM, professional, can help you design an individual strategy to accomplish your broader financial goals, and integrate and execute your investment approach as well.

Common Industry Practice:  Most portfolio managers and full-cost broker’s representatives are not a Certified Financial Planner^TM  professional. You are pretty much on your own with discount brokers. Their advice is typically either on-line computer-based or limited to the products that they sell. Many financial planners limit management services to basic asset allocation. Many others provide only occasional advice, rather than continuous management.

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