some financial advisors offer a multitude of services, while others are more specialized. Nearly, anyone can call themselves a financial advisor, financial planner, or financial coach, with minimum qualifications. In general,TCM Financial Services incorporate more than more of these categories.

1. Ultimate Guide to Choose a
Financial Adviser
Who's Right for You!
 TCM Financial
Services

2. The Financial Advisor
• Most people when think of their money and its
management, theyoften shed light on the most important
metric — how well theirinvestments performedcompared
to thebroadermarket.
• The success or failure of the investment you made, is out
of ourcontrol — as you can say, past performance is not
an indicator of future results. But probably in the hands
of anexpert whois expert inmanagingmoney.
• A recent survey disclosed one of the most significant
factors for your financial success i.e. to determine
whether someone is satisfied with his or her investment
firm- thefinancialadvisor.

3. TCM Financial Services
• The financial advisor ecosystem can be surprisingly
complex. Nearly, anyone can call themselves a
financial advisor, financial planner, or financial
coach, with minimum qualifications. Consequently,
you should be very careful when selecting a
professional to help you save, grow, and protect your
savings.
• Here are some tips from TCMFinancial Services - how
to choose an advisorwho is a good fit foryourmoney
needs.

4. Determine How Much Help
You
Need
Hourly Consultation: In the
case of a specific financial
situation such as buying a house,
going back to school or selling a
business, you have questions
around. Selecting an advisor who
canprovidehourlyconsultationis
an ideal choice to make. Usually,
they charge hourly fees for
providing a total cost estimate
upfront based on the scope of
workneeded.

5. ComprehensiveFinancial
Planning
A professional can help you
create a one-time roadmap to
reach your financial goals.
They narrow down the
financial field such as
insurance, education,
investments, retirement, etc. For
this, they charge either an
hourly rate or a flat fee for a
comprehensive financial plan
based on the scope of the
project.

6. Asset Management
Asset Management: Foralong-
term financial partner, you
can opt for an asset manager.
Theycaneffectivelyinvest and
manage your money,
providing continuous
comprehensive financial
planning throughout life’s
stages and changes. Usually,
they charge a % of the assets
theymanageforyou.

7. Advisors Investment
Approach
• An advisor who has a disciplined approach to decision-
making should likely to be focused more on your long-
termgoals. Theymust beexpertiseindiverseinvestments
types including mutual funds, ETFs, stocks, etc. and
styles includinggrowthorvalue.
• You can assess whether the advisor’s methodology or
style aligns with your objectives. Knowing how often an
advisor adjusts portfolios can indicate whether the
advisoruses astrategic, long-termapproachorinvests in
short-termtrends. Manyadvisors use an asset allocation
strategythat has ahistoryof success overtime.

8. Types of Services Advisor
Offer
• You’ll findthat somefinancial advisors offeramultitude
of services, whileothers aremorespecialized. Ingeneral,
financial advisory firms like TCM Financial Services
incorporatemorethanmoreof thesecategories.
• Money Managers – They will choose your investments
and manage your portfolio. They design investment
portfolios, generally consisting of stocks, bonds, and
other individual securities. They often manage the
portfolio on a discretionary basis, meaning that you
authorizetheadvisorto tradeon yourbehalf without the
needforadvanceapprovalfromyou.

9. Financial &Wealth
Planners
• Financial Planners – They’ll review your situation and
help withbigpictureplanning. Theycanhelpyoulookto
the future and do long-term financial planning in the
areas of retirement, college funding, wealthtransfer, tax
planning, andinsurance.
• Wealth Managers – If you need an advisor who can
handle both your investing and financial planning
needs, consider wealth managers. They’ll coordinate
with other professional advisors, such as attorneys and
accountants, whichmayinclude tax minimization, trust
management, wealth transfers, portfolio performance
analytics, andmore.

11. Diligence Pays Off
• Remember, not all financial advisors are equal. A
bad advisor could cost you higher fees and taxes, or
lose your money altogether. While a good one can
make your investment lucrative. Take time to
research potential advisors who can help you
efficiently and effectively plan and reach your
financialgoals.
• Wehopethesetips will help youinchoosingtheright
financialadvisor.
• To learnmoreabout ourfirm contact us here.