Helping people and giving back.
As a financial advisor to many families and individuals, I see this truism validated every day: you get back in direct proportion to what you give. That simple truth has allowed me to prosper in multiple ways while helping many clients with financial needs.
What attracted me to the financial services industry was the ability to help people — not only to reach their basic goals but to also realize their dreams. So many Americans work, invest and just hope it all works out. All too often, not having a plan leads to failure for the clients and their families.
As advisors, we have a valuable and specific skill set. We can identify very early in retirement whether a client has the assets and income to meet basic lifestyle goals and has the chance to achieve their dreams, such as leaving a legacy or educating their grandchildren.
Building a solid retirement income plan allows our clients to enjoy their retirement years after their hard work and saving during their more active years. It is a still an incredible joy for me to watch many clients visually relax when they realize they can safely spend some funds to enjoy family outings, purchase items for the kids and grandkids, and gift to others without excessive worry about running out of money before they run out of years.
I watched my father, still active as an advisor for over 50 years, thrive with this same joy helping his clients — I wanted the same career from a very young age.
Helping those with special needs
The greatest reward I now have is working with families that have kids and adults with special needs. Years ago, MassMutual and The American College created a program that taught me and other advisors how to help these families — a complicated and sorely-needed skill set.
Obtaining the knowledge and skills completely changed my business model and my entire life. I proactively became involved in the special needs community — not to gain clients, but to serve others.
The reward has been that our client families and organizations have embraced our process and we now have many planners working in the special needs arena.