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cover of episode “Can a financial advisor help me stress-test my retirement savings?”

“Can a financial advisor help me stress-test my retirement savings?”

2025/4/4
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HerMoney with Jean Chatzky
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Jean Chatsky
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Pam Krueger
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Jean Chatsky: 选择理财顾问的关键在于评估其服务价值，避免支付高昂费用却无法获得显著改善。许多人认为自己可以通过指数基金投资来复制市场收益，因此不需要理财顾问。但关键在于确保自己能从理财顾问的服务中获得价值，而不是浪费金钱。 Pam Krueger: 客户实际上的问题是：我是否错过了什么？为了避免支付高昂的费用，可以先与理财顾问会面，了解他们的服务是否符合自身需求，并明确自己希望顾问帮助自己实现的目标。理财顾问的服务不仅仅局限于投资，还包括税务策略、长期护理等方面。理财顾问会审核你的所有财务状况，包括保险、房产、债务、家庭等，进行深入分析，帮助你制定长期的财务计划。选择合适的理财顾问才能获得物有所值的专业服务，需要花费时间筛选合适的顾问。如果需要理财顾问对你的财务状况进行深度分析，费用会根据资产规模和复杂程度而有所不同。对于50万到100万美元的投资组合，深度财务分析的费用通常在3000到10000美元之间，具体费用取决于复杂程度。理财顾问的收费方式可以是按小时收费或按服务范围收费，后者更清晰明了。最好选择只收取费用的注册投资顾问，他们只为你工作，并且受到证券交易委员会和州政府的监管。即使资产规模较小（例如10万美元），也可以找到愿意合作的理财顾问，他们会根据你的需求和目标制定合理的收费计划。对于拥有10万美元资产的客户，合理的理财顾问费用在1500美元到3000美元之间，具体费用取决于问题的复杂程度。与理财顾问合作的关键在于明确你的目标，并确保顾问的专业知识与你的目标相符。在选择理财顾问时，应该询问他们典型的客户群体以及收费方式，以确保能够获得物有所值的专业服务。退休计划的压力测试非常重要，应该考虑市场下跌、通货膨胀以及医疗费用等因素，制定一个能够适应各种情况的计划。

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Shownotes Transcript

Are financial advisors worth the cost? How do you know when it's time to switch from DIY investing? What exactly should an advisor be doing for you? 

In this special Mailbag episode, Pam Krueger, CEO of WealthRamp), answers all your biggest questions about working with a financial advisor. Plus, we tackle the #1 retirement fear—running out of money—and explain how to stress-test your finances to stay on track.

Mailbag Questions:

**[02:00] **“When is it time to move from a robo-advisor to a real human?”

**[07:00] **“Can someone call themselves a fiduciary but still earn commissions?”

[9:30] “I only have $100k saved. Will a financial advisor work with me?”

**[12:00] **“Should my advisor help with budgeting, insurance, and college planning—or just investments?”

**[15:00] **“How can I make sure my retirement savings last a lifetime?”

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- 🚀 FinanceFixx) – Our 4-week or 8-week coaching program to get your finances on track!

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