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cover of episode When You Should (and Shouldn’t) Hire a Financial Advisor | Life After FIRE

When You Should (and Shouldn’t) Hire a Financial Advisor | Life After FIRE

2025/3/26
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BiggerPockets Money Podcast
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Amy: 我在丈夫去世后，聘请了理财顾问，这帮助我渡过了财务上的难关，让我在悲痛时期感到安心和安全。理财顾问不仅帮助我管理资产，还提供了全面的保险审核、遗产规划等服务，让我能够专注于生活中的其他方面。虽然聘请理财顾问需要支付一定的费用，但我认为这笔费用是值得的，因为它为我带来了财务安全和内心的平静。 我与理财顾问建立了良好的合作关系，他们能够随时解答我的疑问，并提供专业的建议。这让我在处理财务问题时更加自信和从容。 我之前也尝试过自己管理财务，但由于缺乏专业知识和经验，我感到力不从心。理财顾问的专业知识和经验弥补了我的不足，让我能够更好地规划财务未来。 选择理财顾问时，我建议大家根据自身需求和财务状况选择合适的类型，例如资产管理型或收费型。重要的是要找到一个值得信赖的理财顾问，并与他们建立良好的沟通和合作关系。 Mindy Jensen: Amy的经历说明，在某些情况下，聘请理财顾问是明智的选择。尤其是在经历重大生活变故，例如丧偶或离婚时，理财顾问可以提供专业的帮助，帮助人们渡过难关。 选择理财顾问时，需要考虑多种因素，例如费用结构、服务内容以及与理财顾问的沟通是否顺畅。资产管理型理财顾问和收费型理财顾问各有优劣，大家需要根据自身情况选择最合适的类型。 重要的是，不要盲目跟风，也不要因为别人的看法而否定自己的需求。如果聘请理财顾问能够帮助你更好地管理财务，提高生活质量，那么就应该大胆地去做。Amy的经历就是一个很好的例子，她通过聘请理财顾问，获得了财务安全和内心的平静，这让她能够更好地应对生活中的挑战。

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Chapters
Amy recounts her journey to financial independence, starting with discovering Mr. Money Mustache's blog in 2015. She and her husband, Phil, implemented significant spending changes, including a year of 'experimental deprivation,' to accelerate their progress. Regular monthly check-ins helped them stay on track and maintain a positive outlook.
  • Amy discovered FIRE through Mr. Money Mustache's blog.
  • They implemented significant spending cuts.
  • A year of 'experimental deprivation' was followed by a more balanced approach.
  • Regular monthly financial check-ins were crucial.

Shownotes Transcript

Could hiring a financial advisor) help you reach financial independence and retire early? This isn’t a popular move in the FIRE) community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick around to learn if it’s the right choice for you, too!

 

Welcome to another episode of “Life After FIRE”! Today, we’re chatting with Amy, who was dealt a set of circumstances that altered her life *and *retirement plans). Amy and her late husband, Phil, arrived at their FIRE number) in 2020. Just as they were preparing for early retirement, Phil tragically passed, and Amy was left to not only navigate a new normal but also take control of her finances. Still reeling from the loss of her husband, Amy hired a financial advisor, which turned out to be one of the best decisions she ever made.

 

In this episode, Amy shares how she used money check-ins and a year of “experimental deprivation” to speed up her path to retirement. She also discusses the pros and cons of using financial advisors, the differences between the assets-under-management and fee-only models, and how to properly vet an advisor to ensure you’re getting your money’s worth!

In This Episode We Cover

Why Amy uses a financial advisor to help manage her money in retirement

Amy’s journey to financial independence, losing her husband, and retiring early)

Assets under management (AUM) versus fee-only advisors (and which one to hire!)

How to reach your FIRE number sooner through “experimental deprivation”

Why you need to have regular money check-ins with your significant other

And So Much More!

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/money-621)

*Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email *[email protected])

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