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Helping You See The Big Picture of Financial Planning

The experts can get you there, but you have to know where “there” is.

Helping You See The Big Picture of Financial Planning

The experts can get you there, but you have to know where “there” is.
Presented by:

Presented by:

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in.

No matter where you are in life—or where the people who matter the most to you are in their lives—Richard Keetley, Stephen Goldstein, and their team at QL Wealth Advisors of Janney Montgomery Scott provide a broad range of financial planning services that can address your current and future needs and goals.

What distinguishes your team from other advisors?
We’re committed to putting the needs of our clients above all else and we operate with that core principle in mind throughout the course of our relationships. We are often our clients’ first call when they are faced with financial decisions involving life events, whether it be a question about how much life insurance they need for their family, or the decision to buy or lease a car.

What services do you provide?
When clients work with our team, they are getting more than just investment advice. Every service we provide and every investment decision we make starts with a plan that’s tailored to the individual, as well as the family, business, or both. With a team of Certified Financial Planners, we provide a broad range of financial planning services that includes retirement, income tax, estate, and education planning.

Why is financial planning important?
While unexpected change and risk are inevitable, an actionable and flexible financial plan can help alleviate those fears and ensure you and your family’s wealth is protected. A financial plan can help you balance competing financial priorities, such as saving for your children’s college education, preparing for retirement, and protecting your portfolio from future healthcare and long-term care costs.

What are some of the most important factors to consider when putting together a financial plan?
When working with clients to develop their plan, we start by looking at current and future assets and income sources, and then determine when they’ll need to access those funds and propose an appropriate allocation of those assets. A client’s time horizon is another critical factor. The financial planning process involves listening and helping to determine risk tolerance, goals, and time horizon.

What are common concerns you hear from clients?
Every client is different depending on what stage of life they are in and what direction they are headed in the future. Some come to us not knowing where to start with their planning or investing and we help them identify their goals and objectives. Two of the most common concerns we hear from clients are retirement planning and education saving.

Biggest mistakes you notice people making with their finances?
Many advisors focus on products and investments, while ignoring long-term goals and objectives. Investments should be made near the end of the process, not as a first step. Another common mistake we see is lack of execution and monitoring of a financial plan. Our process doesn’t end once your initial plan has been created. A portfolio when you are 30 will look much different than one at the age of 60. As your goals and objectives evolve over time, so should your portfolio and financial plan. Finally, don’t wait until you’re headed into retirement or in the midst of a crisis before beginning the planning process. The sooner you start, the more options you may have.

Wealth needs to be more than managed. It needs to be developed, preserved, and, when the time is right, passed along. QL Wealth Advisors understand that wealth—like life—is more than just an event. It is an ongoing process of growth and development. To take advantage of the opportunities life presents, you need a team that has the experience and the expertise to offer advice and execute financial strategies for every stage of life.


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