Did you know: research shows that women often have better investment habits than men*. While we all know that saving money and investing for the future are important, even the most savvy of us have questions, and it’s not always clear where to turn.
That’s why we sat down with Kahlilah Dowe and Mindi Marisa from Vanguard, an investment company where you’re more than an investor — you’re an owner. Dowe, CFP®, Senior Wealth Advisor, and Marisa, Head of High Net Worth Advice, shared some interesting insights about the role advice can play in managing your investments and what to look for when seeking financial advice. Hint: make sure you’re partnering with someone who truly has your back.
No matter where you are on your journey, you don’t have to navigate it alone. A trusted partner can help you make a plan, guide you through market ups and downs, adapt to your changing needs, and help you reach your goals. That’s the value of ownership.
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The Value of Financial Advice — and Why You May Need It More Than Ever
Tools You Need to Choose
an Advice Approach
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A Trusted Advisor Can
Share New Perspectives
Financial Wellness Is Akin to Physical Wellness
Getting Advice Can Have Long-Term Benefits
How do I find
the right advice?
Here, listen to Mindi break down the first steps to finding an advice approach that works for you. When you’re ready, click here to take the next step with Vanguard.
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So, at Vanguard, the beliefs that we were founded on are four core principles: goals, balance, cost, and discipline. You as an investor need to be very clear on your goals and the time horizon to reach those goals. When you're looking to select a financial advisor, it's not one size fits all.
If you're someone that's maybe earlier on in their journey, a great way to get started would be with Vanguard digital advisors, where you are engaging with financial advice through an all-digital platform. The more complicated your situation, the more you might be seeking a more traditional advisor-client experience, or a hybrid, which basically means a digital platform coupled with a human financial advisor.
The best place to start is by accessing the Vanguard advice comparison tool. It basically gives you a rundown of the services that we offer, to help you assess which one is best for you and where you start your relationship with Vanguard. And that’s the value of ownership.
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In this clip, Mindi explains how financial wellness can provide benefits similar to physical wellness — and how to achieve it. Listen, then click here to learn how Vanguard can help.
Usually stress comes from balancing so many different things in our lives. Financial wellness can help reduce that stress. When we think about financial wellness, we think about financial value, emotional value and time value. So, the financial value: Do I have good saving and spending habits? Emotional value: Do I have peace of mind knowing that someone is looking out for my best financial interests? And then on top of all of that, let’s not lose sight of the time value of having a financial advisor.
Part of their job is also to help give you knowledge, to help educate you so that you do have the confidence that you are making the best decisions for you and your family, towards your financial goals. Here at Vanguard, we take all of that into consideration, providing you a holistic picture on your financial health.
The benefits of financial advice are just knowing that you have someone else who is monitoring the markets and can help you reach your goals, and that just allows you to know that someone else has your best interests at heart.
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What are the benefits of financial wellness, and how can advice help me along the way?
Listen in as Kahlilah talks about how an advisor can help broaden your perspective to consider strategies you may not have thought of before. To learn more, click here to see how Vanguard can help.
The first thing an advisor will do is to really get to know you and to get a deep understanding of your financial goals, and the things that are important to you in your life. It’s a partnership, and part of what we do is to help you sift through investments and select the ones that give you the best chance at meeting your goals.
But maybe the more important part of that partnership is helping you to understand market events — those unpredictable things that cause really dramatic movement in the market. An advisor will help you to understand how that impacts you, and also help you brace yourself so that you could endure those events without getting off track. That’s the type of perspective that can help bring you reassurance and peace of mind.
At Vanguard we’re investor-owned, and what that means is that your advisor has an emotional interest in seeing you succeed. That's the value of ownership.
Back to question
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How will an advisor
help me navigate my investment options?
Click the play button to listen to Kahlilah narrow down why getting trustworthy and personalized advice can help with your long-term financial goals. Then, click here to take the next step with Vanguard.
Over the long run, your goals change, priorities shift, and sometimes life takes an unexpected turn. So, an experienced advisor will have eyes on your overall financial picture, and will help you to create a comprehensive investment plan that considers where you are in the different seasons
of your life.
And sometimes that means making adjustments or changing course, but we want to try and look ahead, and an advisor will help you do that. Working with an advisor whom you really connect with, that understands how you think about things, how you tick, and what drives your decisions — that allows you to build that trusted relationship over time.
At Vanguard we’re investor-owned, and our goal is to give investors the best chance at investment success. Partnering with a trusted financial advisor can be an integral part of that success.
Back to question
x
How can getting advice help me in the long run?
Click the play button to hear Mindi break down the first steps to finding an adviser and how to navigate
your options.
What are the benefits of financial wellness, and how can advice help me along the way?
When you're looking to select a financial adviser, it's not one size fits all. So at Vanguard, the beliefs that we were founded on are four core principles: goals, balance, cost, and discipline. You as an investor need to be very clear on your goals and the time horizon for which you want to reach those goals.
If you're someone that's maybe earlier on in their journey, a great way to get started would be the Vanguard digital advisers, where you are engaging with a firm of financial advisers through a digital relationship. The more complicated your situation, you might be seeking a more traditional wealth management or private client experience, or a hybrid, which basically means a high digital presence coupled with a human financial adviser.
The best place to start is by accessing the Vanguard advice comparison tool. It basically gives you a rundown of the differences in the services that we offer to help you assess which one is best for you and where you start your relationship with Vanguard.
x
Click the play button to hear Mindi break down the first steps to finding an adviser and how to navigate your options.
How will an advisor help me navigate my investment options?
When I think about the benefits of a financial adviser, top of mind is financial wellness. So the financial value: Do I have good saving and spending habits? Emotional value: Can I sleep well at night? Do I have peace of mind knowing that someone is looking out for my best financial interests? And then on top of all of that, let's not lose sight of the time value of having a financial adviser.
And usually stress comes from one of those three dimensions that we're balancing across so many different things in our lives. And so just knowing that you have someone else who is monitoring the markets, monitoring tax policy, can monitor your success profile for reaching your goals, just allows you to have peace of mind knowing that someone else has your best interests at heart.
Part of their job is also to help give you knowledge, to help educate you so that you do have the confidence that you are making the best decisions for you and your family, towards your financial goals. Here at Vanguard, we take all of that into consideration, providing you a holistic picture on your financial health.
x
Click the play button to hear Kahlila break down the first steps to finding an adviser and how to navigate your options.
How can getting advice help me in the long run?
The first thing an adviser will do is to really get to know you and to get a deep understanding of your financial goals and the things that are important to you in your life. There's a lot of investments that you could choose from. Part of what we do is to help you sift through those investments and select the ones that give you the best chance at meeting your goals.
It's more like a partnership, and that partnership definitely involves navigating investment options, but maybe the more important part of it is helping investors to understand market events — those unpredictable things that cause really dramatic movement in the market. An adviser will help you to understand how that impacts you and also to help you brace yourself so that you could endure those events without getting off track.
At Vanguard we’re investor-owned, and what that means is that your adviser has an emotional interest
in seeing you succeed. That's the value of ownership.
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All investing is subject to risk, including the possible loss of the money you invest.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and Vanguard Digital Advisor Services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI, VGI, nor VMC guarantees profits or protection from losses.
* Vanguard 2020: “The same but different: Gender and investor behavior in Vanguard retail accounts”
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All investing is subject to risk, including the possible loss of the money you invest. Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and Vanguard Digital Advisor Services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI, VGI, nor VMC guarantees profits or protection from losses.
* Vanguard 2020: “The same but different: Gender and investor behavior in Vanguard retail accounts”
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*Turn your sound on!
All investing is subject to risk, including the possible loss of the money you invest.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and Vanguard Digital Advisor Services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI, VGI, nor VMC guarantees profits or protection from losses.
* Vanguard 2020: “The same but different: Gender and investor behavior in Vanguard retail accounts”
All investing is subject to risk, including the possible loss of the money you invest.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and Vanguard Digital Advisor Services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. Neither VAI, VGI, nor VMC guarantees profits or protection from losses.
* Vanguard 2020: “The same but different: Gender and investor behavior in Vanguard retail accounts”