• What does a financial advisor actually do?

    A financial advisor acts as a guide to help navigate clients through the financial challenges of life:
    • Listen to clients to learn about their unique financial situation
    • Help define financial goals for the near and long term
    • Set priorities for working toward those goals
    • Identify investments and the best ways to achieve financial goals
    • Advise and counsel clients through life events to help them stay on track
  • What specific types of financial areas does an advisor handle?

    Advisors help clients develop a plan to spend, save and invest wisely while working toward future goals:
    • Buying a house and remodeling
    • Creating a cushion for financial emergencies
    • Taking care of a growing family
    • Funding a college education
    • Saving for retirement
    • Living out retirement plans and dreams
    • Estate planning
  • What kinds of financial “tools” and strategies does an advisor use?

    Advisors will help clients employ a number of strategies and financial products to make their money work harder while working within a comfortable level of risk tolerance.
    • Insurance
    • Money Market Accounts
    • 529 College Plans
    • Pensions
    • 401(k)s, 403(b)s
    • IRAs
    • Market Investments: Stocks; Bonds; Mutual Funds; Real Estate; Commodities
  • Can my advisor buy and sell stocks and bonds?

    Generally, yes.
    • Clients can set up a brokerage account through Lesko to buy and sell stocks and bonds.
    • Securities are offered through Lesko Securities, Inc., a registered Broker/Dealer and member of FINRA (www.finra.org, brokercheck.finra.org) and SIPC.
    • There are numerous other financial investment options available through Lesko
  • Why should someone work with a financial advisor instead of handling their finances themselves?

    There are a number of reasons. A good advisor:
    • Is educated about the complex financial world
    • Has experience and expertise honed through years of working through all kinds of financial situations
    • Will take time to work through minute details
    • Is backed up by a team well-versed in various areas of financial knowledge
    • Can coordinate all areas of a client’s financial life to help save time and effort
  • How does a financial advisor charge for services?

    There are three ways financial advisors get paid:
    • Commission-Based – client pays an upfront commission and a percentage of the investment
    • Fee-Based – client pays a percentage on assets the firm is investing
    • Fee-Only – usually a per-hour fee, similar to lawyers and accountants
    Lesko offers all three options and allows our clients to choose what works best for them.
  • How do I know my financial advisor can be trusted?

    A financial advisor helps clients choose the right investments for their particular situation and won’t try to sell them what they don’t need. They aim for:
    • Diversification and a Well Balanced Mix
    • The Long Term View–Not Quick Returns
    • Making The Most Of The Current Economic Climate
    • Risk Tolerance
  • Isn’t financial planning just for the very wealthy?

    The financial world is becoming more complex every day and it helps to have a guide to navigate today’s challenges at every level of investment
    • Lesko Financial Services has a policy of turning no client away, no matter how small
    • Many of the large financial conglomerates have minimums clients must invest
    • Larger financial companies use outsourced call centers for moderate and small investors
    • When you call Lesko Financial Services, a real person answers the phone
  • How should I choose an advisor?

    Find an advisor you’re comfortable with, one who is interested in your goals and will put your best interests before making money. Look for:
    • Experience backed by a team with a solid reputation.
    • Professionalism and courtesy
    • Full disclosure on methods of payment
    • An honest explanation on how they will invest your money and make money from those investments.
    • Choose an advisor you will look forward to seeing.