Bayhill Advisors

Clear Financial Advice

Smart Investor Despite the availability of a wide range of information, in print, on the Internet and television, most of us still feel wet behind the ears in managing our financial matters. We, at Bayhill Advisors, feel nothing can take the place of a trusted adviser: A professional who is principled, competent and places the interests of the client first. We believe we provide such a service. If you felt you've just been subjected to a sales presentation when you last met with your adviser, you're not alone. Many advisers' incomes are closely linked to you purchasing something: A particular stock, a mortgage for your home, an insurance policy, a mutual fund. But, if you're the type of an individual who likes unbiased advice, you may have to prepare yourself to pay separately for that advice. Fee-only financial planners provide such advice and other services for a fee. They don't receive any compensation from purchase of a particular plan or product. Then, there are the salespeople who sell a particular product or policy. They are ideal if you are in the market for exactly that product. You can meet with several of such marketers, compare prices and purchase from the least expensive one. Most of the financial advisers are somewhere in-between. They may charge fees for certain services and they may be compensated by a brokerage fees or commissions for other services. As a smart investor, you need to know the difference and adjust your expectations for the quality of advice you receive accordingly. Plus, you really can't compare an adviser from one group with an adviser from the other. What's the best way to find out where an adviser fits? You can rely on help available in two organizations. Certified Financial Planner Board of Standards is the internationally recognized board that licenses Certified Financial Planner designation, the premier license for financial planners around the world. Financial Planning Association is the industry organization for financial planners. Want to learn more? Contact us at 1.888.455.8392 or email us at contact@bayhilladvisors.com.