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

Mailbag: “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: 我一直在通过机器人顾问管理我的投资，但现在我距离退休只有几年时间了，我想知道这是否足够。我该如何判断是时候从DIY投资转向与真人理财顾问合作了呢？他们会为我做些什么不同的事情呢？我不希望只是支付一大笔费用，而服务却没有明显的区别。 Pam Krueger: 选择理财顾问的关键在于确保你物有所值，而不是仅仅为了花钱而花钱。人们选择理财顾问是因为他们想知道自己是否遗漏了什么重要的财务规划方面。与理财顾问会面可以帮助你评估退休计划是否合理，并了解你可能错过的其他财务规划方面。理财顾问的服务范围应超越单纯的投资，还应涵盖税务策略、长期护理等方面。理财顾问应该全面审核你的财务状况，包括保险、房产、债务、家庭等方面。你可以选择一次性付费进行财务评估，或者根据需要选择持续的理财规划服务。一次性财务评估并非流于表面，而应深入分析你的财务状况，以确保你获得物有所值的服务。深度财务评估的费用通常在3000到10000美元之间，取决于你的资产规模和财务状况的复杂程度。理财顾问的收费通常按小时计算，每小时收费在150到300美元之间。我更倾向于按服务范围收费，而不是按小时收费，这样更清晰明了。一个真正的信托理财顾问应该只收取费用，不收取佣金。即使资产规模较小，你仍然可以找到愿意为你服务的理财顾问。选择理财顾问不应该仅仅基于你的资产规模，而应该基于他们能够提供的服务和帮助你实现目标的能力。对于资产规模为10万美元的客户，合理的理财顾问费用通常在1500到3000美元之间。选择理财顾问时，不仅要考虑费用，还要考虑你能够获得的价值。理财顾问的服务范围应根据你的需求而定，不要害怕提出任何问题。在选择理财顾问之前，明确你的目标和期望，并确保顾问的专业知识与你的需求相符。退休后资金是否充足是一个普遍的担忧，理财顾问可以帮助你进行压力测试，以应对市场波动和不可预测的事件。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，以确保你能够获得物有所值的服务。

Deep Dive

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?”

Looking for more financial confidence?

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

- 📈 InvestingFixx) – A club for women ready to grow their wealth

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