The Job of a Financial Planner

The role of a financial planner is quite simple, prepare a proper plan to ensure that their clients fulfill their goals of retiring at an appropriate age and level of wealth. This also includes advising the client on their current financial situations and holding them accountable as well as making recommendations on ways to help build wealth over time.

Article supplier by Wealth & Retirement Solutions, your financial planners in Brisbane.
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How to get there

The responsibilities beyond this scope may include the following;

– Analyse the client’s current financial status and the ability for financial growth (this includes income and expenses)

– Being an effective communicator with in-depth knowledge of the industry of financial planning and market development.

– Analytical in nature and meticulous in the organisation and business structure.

– Develop sound plans and budget targets to help keep the client on track.

When we are looking into the role of a financial planner, it is crucial that they can speak openly with their clients while managing their finances. The financial planner will be the first step towards opening a new door of investments, savings and management of debts and assets.

Once you have chosen your financial adviser, you should have all your documentation prepared so that neither recipient’s time is spent talking about the organisation of the documents. Things to include in your documentation include;

– What you currently own or your assets.

– Current home, superannuation or your car.

– Your current management of debt.

– What types of insurance you now have.

Lastly, a financial planner should be willing to work with you in building towards your own goals as they are there to help guide you along the way. This is a simple discussion with your adviser on whether you would like to aim for paying your mortgage off sooner or whether it may come down to saving for your children’s future.

We have listed us the primary responsibilities of a financial advisor, and now it is merely up to you to understand the type of financial advice you would be looking for down the line and what type of goals you have in mind financially.

The One Tip You Need To Get The Best Price When Buying Gold

As long as currency exists, gold will be valuable. While it does have a number of practical uses, the simple truth is that people have used gold as a sign of wealth for thousands of years. While it’s not going to be very useful if currency falls out of use (people will more likely trade in food, water, and building materials), right now it’s worth quite a bit!

Unfortunately, the price of gold is rarely stable. It rises and falls depending on a huge number of factors. What’s worse, unless you’re an economist or market investor you probably have no idea how to gauge those factors. This makes it difficult to figure out a reasonable price for gold.

If you’re looking into buying gold, such as for a retirement fund or other investment purposes, then you’re going to want the best price. But without that knowledge, how do you get the best price? 

Luckily, there’s one solid tip from the Gold Money Shop that can help you. It’s not a solution for every potential problem, but it will help you get a price you feel comfortable with. See their online resources here – 

UK Gold Prices on Ello

Best UK Gold Dealer at Imgur

Open Learning – UK Gold Dealer

Check More Than The Current Market Value

When you purchase gold you’re paying more than the gold is “worth”. That is, you’re paying a bit more than the current market value for the amount of gold being discussed. This is due to several factors, most notably things such as banker fees, taxes, and other necessary costs of business.

However, it’s still useful to check the market value. A reliable gold seller will be honest about the market value, which makes it easier. An underhanded seller may still tell you the market value, but obfuscate exactly what it means by making comments about trends and risks.

When you check the market value, check a few months back. Knowing both the current value and the average rise and fall will give you a better negotiation point. The seller may talk about market trends, but you can respond by pointing out the same information. 

Obviously, there are other factors in getting the best price when buying gold. There are social factors, where it may be easier if you know the right people. There’s the location factor, where you may not be in the right area to get the best prices.

However, at the end of the day having a solid grasp of the current market value will go a long way. Being able to gauge how much gold is liable to rise and fall can also let you buy at the low point!

Quick Tips to Remember When Shopping for Precious Metals in Bulk

People might have different and unique goals behind their decision to buy precious metals. However, when shopping for such items, the things they have to keep in mind are pretty much the same. These pointers can come in handy, especially for those who are planning to buy silver or gold in bulk quantities.

Below are some useful tips that can help ensure that you will be getting a good deal, and make the most out of your hard-earned money.


Decide Where You Will Make a Purchase

A thorough and comprehensive research can give you some good ideas about the different sellers that you can find online and in your area alike. These two options have their own share of pros and cons. However, the primary thing to remember here is that you should not just check but better yet, double check if the seller you are eyeing really offers precious metals in bulk.

Check the Seller’s Reputation

Don’t forget to ask if the seller has enough expertise and experience in the field for you to have the peace of mind knowing that your money will land in the hands of a truly reliable supplier.


Look into Their Legitimacy

Buying silver or gold as a form of investment is best done if the supplier you choose is an authentic one. Aside from that, you also have to make sure that they truly understand all the technicalities associated with bulk sales. It will be great if you go for a seller that provides a 100% money back guarantee option in addition to an exchange policy or reliable refund.

Determine if the Products are All Genuine

It is a must to check if the items you buy are the best quality, original, and genuine. Be careful in checking the sales copy and look for phrases such as gold plated which is a sure indication that the items are fake ones.

Stay Away from Brokers

During the process of purchasing precious metals, whether in the form of coins or bars, there will be a lot of broker dealers and brokers that you will meet along the way, some of whom are charging high percentage as a form of commission. Good thing that you can stay away from this by becoming a member of a buying club to save you from paying extra aside from the membership fees. This way, you will be relieved from having to pay some extra amounts in lieu of advertising costs or sales overheads. Another good way to earn extra amount is by sharing a part of the profits from the sales of these clubs’ associate programs.

Now, you know some of the important guidelines you have to follow when you buy precious metals in bulk to ensure that you will get the best value out of your money when investing in these highly profitable ventures. At the end of the day, careful research and a bit of inquisitiveness is all it takes to make it big in this industry.

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