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Rich in America Secrets to Creating and Preserving Wealth PHẦN 10

Một cặp vợ chồng giàu có người đến để xem chúng tôi gần đây đã có một thái độ khác nhau. Họ đã bắt đầu bất động sản của họ lên kế hoạch từ nhiều năm trước với chuyên gia tư vấn khác và đánh giá cao sức mạnh cho tiền hai đứa con trong khi họ đã được vẫn còn sống (một cá nhân có thể đến $ 11,000 và một cặp vợ chồng có thể cung cấp cho lên đến $ 22.000 cho mỗi người nhận mỗi năm mà không phát sinh thuế quà tặng). . | Figure 7.1 Important Attributes of a Financial Advisor 220 Base respondents who use professional advisors Source U.S. Trust Survey of Affluent Americans XII June 1997 How to Choose a Financial Advisor 221 about how many clients they handle and the quality of their backup. People managing hundreds of other relationships may have a difficult time giving you the amount of time you want and need. Understand how you will receive your advice. Will it be in person Over the phone By mail Over the Internet How frequently can you expect to have meetings When you have a question whom should you call What type of statements and reports will you receive Ask for samples. If the samples don t meet your requirements find out if the firm can produce the type of reports you need and how much this will cost. Don t let fees be your primary concern. Examine firms without regard to fees and then select your finalists. Only then should you examine their fees and compare them to the alternatives to make sure they are reasonable. Try to understand how all the fees are calculated. For example consider the investment of cash in your accounts Almost every firm uses money market funds to invest cash awaiting investment because these funds offer competitive yields and provide instant liquidity. Most large firms use proprietary funds to meet this need giving them an additional but reasonable form of compensation. But on occasion a firm may use money market funds unfairly to increase their compensation by charging higher-thanaverage fees. You must do your homework to find out what you ll be charged for and why. In addition to understanding the firm s stated fees make sure the fee payment method does not set up insurmountable conflicts of interest. If you choose an investment manager who trades through a captive broker-dealer not only will there be a fee charged for managing your portfolio but also a fee to 222 Rich in America the firm on the trading activity itself. This is business as usual you