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The Value of Discipline, Perspective, and Calm

Mark Smith, CFP®, CPA/PFS, CIMA® - Wednesday, May 9, 2018

The Value of a Financial Advisor | M.J. Smith & AssociatesI have a few questions for you.  If you currently work with a financial advisor, how do you primarily measure the value you receive from him/her?  If you do not work with an advisor now, what would be the number one benefit you would expect from him/her?



  1. Sense of financial confidence
  2. Knowledge of my personal financial situation
  3. Progress toward my goals
  4. Investment returns

One more question for those that currently work with an advisor.  Did the primary benefit change from what you thought you needed from an advisor at the onset to what it is today?

Dimensional Fund Advisors just released the results of their global investor survey where one of the goals was to gather insight into the advisory relationship.  The very first question was the exact question above for those that currently work with a financial advisor.  The top answer from over 18,000 respondents spanning 8 countries was: “sense of security/peace of mind.”

In our firm’s 30-year history, we have experienced our long-standing belief that change is constant, and investors need help filtering through the noise of the market and dealing with the emotional aspect of world events. Actually, we need not look any further than the first 4 months of this year.

January started with the stock market reaching new record highs, and commentators debating how much fuel the economy had left.  Merely weeks later, the stock markets experienced not one, but two 10 percent declines.  Throw in a headline or two about tariffs, tax cuts, and the national debt and an investor may find himself easily swept away from his 30,000-foot view without help to keep his footing.

I invite you to watch the below video from Dimensional, which shares a powerful message on how the right financial advisor can provide value.  Do you remember how you felt through these headlines?

Education is a cornerstone of our practice, and critical to enabling clients to take control of their financial lives and to avoid making investment decisions out of fear.  Contact us if you have questions, or are ready to mute hype, temper emotion and pursue success sensibly.



This information does not purport to be a complete description of the developments referred to in this material. Links are being provided for informational purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.  Raymond James is not affiliated with Dimensional Fund Advisors. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. Opinions expressed in the video are those of Dimensional Fund Advisors and M.J. Smith & Associates and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Investing involves risk and investors may incur a profit or a loss. The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index representing 30 stock of companies maintained and reviewed by the editors of the Wall Street Journal. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. The NASDAQ composite is an unmanaged index of securities traded on the NASDAQ system. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. Past performance does not guarantee future results. 

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