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Working with an Advisor

Our mutual funds are available through financial advisors because we believe investors can benefit from ongoing professional advice.

    working with an advisor


    Providing Guidance

    Retirement is complex and often requires a well-designed plan. An advisor can help guide you through every step of the way. Here are the types of things an advisor can help with:

    • Creating a plan to achieve your goals. A financial advisor can help you set realistic retirement goalstaking into consideration your age, when you plan to retire, and how much money you’ll need.

    • Monitoring your progress. As your situation and priorities change, a financial advisor can help monitor your investments, recommend adjustments, and help you avoid the temptation to react to market swings.

    • Evaluating options at important milestones. You may change jobs, your daughter may get married, a parent may need medical attention. As life happens, a financial advisor can offer guidance to keep your retirement plans on track, and can explain options such as when to roll over a 401(k) or when to consider an annuity for guaranteed income.

    • Using time to your advantage. Starting early can make a big difference. A financial advisor can show you how compounded returns can potentially increase your savings over time.

    • Creating retirement income. When you are ready, a financial advisor can help you with a retirement income strategy.  Your advisor can help you calculate how much to withdraw every month and how to manage your expenses and the balance of your savings.

    • Choosing investments. No matter what phase of retirement planning you are in, your advisor can help assess the potential risks and rewards of various Franklin Templeton investment options.


    Prepare for Your Meeting

    Before meeting with a financial advisor, there are a few steps you can take to make sure that you are prepared. We recommend:

    • Prioritizing your goals
    • Calculating your anticipated expenses
    • Determining your potential sources of retirement income
    Download the Personal Assessment to help prepare for your meeting. Or if you prefer, take it with you and fill it out with your advisor.