Gary Thurman with Guardian Investments and Accounting explains why an independent firm gives you more financial planning options that can shop for you.
Expert when it comes to investment and financial planning, and as gary thurman with guardian investment and encounter accounting in morning gary anyhow you doing well and enjoying #3 to join.
Let's tap and a pleasure to be here.
I ca tell you little bit about guardian and that is an accounting yeah guardian investment accounting is an independent financial any firm and we are social not because we can handle all things financial and you know from manage money to annuities, life insurance, medicare planning, long-term care, dining, we have it all and that were very proud of that an we love to help folks for talk and he mentioned that you are i and hand it planning really really wet.
That means an in with the benefits are for working with an independent firm like yourself right.
As you kno, maybe some other chain) a lot were to use the chain so you know we call those captive firm so the biggest thing i like to use an analogy of you going grocery shopping and so it was so you're going grocery shopping.
You have a list of things you want to get done and you want to accomplish while you're there, but you walk in and there's only two aisles ope for you.
So to me that's like working with a captive in its planning firm lately only have what they have to offer you this is working with someone like ourselves were independent firm where you have 20 also choose from the lobby unit independent firm gives us the opportunity t really shop for you and make sure that we put the plan together that that fits your goals and your knee.
A lot of the other firms you walk in.
They do the same thing you know and a lot of times they only thing they talk about is growth growth growth where week we use slowing, planning for life.
We will make sure that we put a plan together for the rest of your life you know your mom's life.
Whomever may be said in front of us and bobby and independent.
We got a lot of options to do that well were al to have different goals and need to try different timelines.
The report and then i custom my strategy of iso and we start working with you and in your value to give us this great strategy we know how is our campaign for speedy scout efe's big word so scary where every word it.
There's been many articles and so much research, even recently about fees and got it make sure that you understand how the fees work inside your portfolio.
There's a lot of hidden fees and and a lot of people don't know that all people think that i'm describing my advisor is one or 2% in fees well what you have to really do is break down that investment portfolio and see what all the hidden fees are there's a lot of and they can really really get you in trouble and something we offer for folks is the come in absolutely free.
Bring your portfolio.
We have the software were we can run all the fees inside your folio.
That way you get a true understanding of actually what european and fees because week.
These are the hidden killer.
I mean, anything really, really eat a lot of your retirement planning away without you even be aware of sinners.
No hidden fees with you know were very upfront and certain i thought about so you know we are very very pride proud.
Sorry to use the fiduciary standard and what tha means is that as an advisor.
I have to work in your best interest as my client in and that is is so important as the follow that fiduciary standard.
When we practice so you know every single thing upfront.
I usually start with the fine print because i think you need to understand how that fine print works in health will affect your money down the road a lot people know they have their money in checking and savings account with a bank or financial institution already easiest to just stay with that try to send it right back strategy.
Not all the time i think having money in the bank is good and i encourage folks to keep some money in the bank.
I'm no culture emergency on you need to have money that you and get your hands on but if her time at your retirement planning and trying to build something for the future.
The number one.
Pete reason people use banks is for safety.
No special someone.
It's 55 and above.
They love the safety feature.
There not worried about the market.
I also list that they are overtime planning because it safe and what they need understand if you're a cd in your make it 2% a year on that cd.
It does not grow tax- deferred.
What i mean by that is all that 2% gain you get taxed on that gain zero really not making 2% where there's other vehicles and other programs that we can put you in that gross tax-deferred, which means you will not pay taxes on your gains and they are as safe if not more safe than being in the bank so there's a lots of solutions out there a lot of opportunity out there versus just run into your bank and inputting all your money into a cd or money market.
There is no way for the kind of person to keep up with all of this file.
We need to work with an expert like yourself and your team is.
He mentioned the nina, no obligation meeting you dive int the fees i'm kind of starting point with you got that out.
Yeah so we just encourage everybody to give us a call or similar website.
Our phone numbers 892 892-4693.
Are they can reach us at guardian i in these.
Are they can reach email@example.com.
We have an office in chattanooga and one in cleveland, tennessee so if you have some listeners i cleveland.
We have an office there as well but the meeting is absolutely free.
We just want t sit down, have a conversation with you.
See what you got going on in the number one question i what is your goal, you notice or go income planning legacy planning what is your goal was find out what those goals are endless, but a plan together fo you if you like the plan wonderful you can become our client.
If you don't like our plan that's i absolutely find to we just like the opportunity to show folks how we work are right gary these for joining us and like us and were excited to have you back a few more times and let's not and i.
In the meantime you can go ahead and get started with guardian investment and accounting.
Setting up your first meeting where the dive into everything course, no obligation, free capsule, we can give them a call.
The bottom is on the train.