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Why You Need an Investment Advisor

One of my personal priorities is exercising and regularly working out at the gym. I often see personal trainers there, helping their clients work out safely, consistently, and thoroughly. Personal trainers can be valuable for people who don't have the time or motivation to create an exercise routine and stick to it. They hold their clients accountable and motivate them to show up and do the work required to meet their goals. I think investment advisors are similar to personal trainers except, of course, that they help you with your financial health. But, they can be just as valuable for many of the same reasons.

Time. Investment advisors can save you a lot of time. Time is a limited resource for all of us, and most people must spend their time making a living and caring for kids and other family. Beyond that, we want to spend time pursuing hobbies or other entertainment. My guess is that one of the last things you would want to spend your time on would be financial planning. There is a lot of information on the Internet that you could spend time researching, but it is easy to get inundated with information overload. In addition, there are thousands of mutual funds and exchange-traded funds (ETFs) to choose from. Choosing which ones to invest in can be a daunting task and advisors can take care of that for you.

Expertise. Investment advisors have specialized knowledge to apply to your situation to help you make the best decisions. A good investment advisor will be aware of tax implications of your portfolio as well as have resources to consult for detailed tax and estate planning. Investment advisors are a great resource when you want good advice on any financial decisions that come up. Questions often arise about things like taxes, retirement, and saving for college, just to name a few. Being able to ask a knowledgeable advisor who knows your personal situation about these financial matters can help you sleep at night. Just as personal trainers use their expertise into planning workouts, investment advisors are knowledgeable in various investment options and keep abreast of tax laws that may impact your portfolio.

Direction. Good investment advisors keep you on the right track. One common pitfall for investors is making emotional investment decisions. I have had many conversations with clients who were nervous about economic downturns and wondered if they should convert their portfolio to cash. When I am able to convince them to stay the course and stay invested for the long-term, it has prevented them from losing out on the market recoveries which benefited them in the long-run. Advisors can also help you stop procrastinating and prod you to continue saving for retirement.

Simply put, investment advisors are valuable in helping you meet your financial goals. Just as personal trainers keep you accountable physically, advisors hold you accountable financially and can help you take your financial health to the next level.

If you have any questions about investing or are wondering how you can get started, I would be happy to meet with you for a no-cost consultation. You can e-mail me at gleest@wtwealthmanagement.com or call (928) 225-2474.

Sincerely,
Glenn Leest

Gleen Leest



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WARRANTIES & DISCLAIMERS

There are no warranties implied.
Any opinions expressed on this website are the opinions of WT Wealth Management and its associates only. Material listed on this website is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. You should always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETF’s carry certain specific risks and part or all of your account value can be lost.

At WT Wealth Management we strongly suggest having a personal financial plan in place before making any investment decisions including understanding your personal risk tolerance and having clearly outlined investment objectives.

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WT Wealth Management is an SEC registered investment adviser, with in excess of $100 million in assets under management (AUM) with offices in Flagstaff, Scottsdale, Sedona and Tucson, AZ along with Jackson Hole, WY and Las Vegas, NV. WT Wealth Management is a manager of Separately Managed Accounts (SMAs). With SMAs, performance can vary widely from investor to investor as each portfolio is individually constructed and managed. Asset allocation weightings are determined based on a wide array of economic and market conditions the day the funds are invested. In an SMA, each investor may own individual Exchange Traded Funds (ETFs), individual equities or mutual funds. As the manager we have the freedom and flexibility to tailor the portfolio to address an individual investor's personal risk tolerance and investment objectives – thus making the account “separate” and distinct from all others we manage. An investment with WT Wealth Management is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Any opinions expressed are the opinions of WT Wealth Management and its associates only. Information offered is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. Always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETFs carries certain specific risks and part or all of an account's value can be lost. In addition to the normal risks associated with investing, narrowly focused investments, investments in smaller companies, sector and/or thematic ETFs and investments in single countries typically exhibit higher volatility. International, Emerging Market and Frontier Market ETFs, mutual funds and individual securities may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability that other nations experience. Individual bonds, bond mutual funds and bond ETFs will typically decrease in value as interest rates rise. A portion of a municipal bond fund's income may be subject to federal or state income taxes or the alternative minimum tax. Capital gains (short and long-term), if any, are subject to capital gains tax. Diversification and asset allocation may not protect against market risk or investment losses. At WT Wealth Management, we strongly suggest having a personal financial plan in place before making any investment decisions including understanding personal risk tolerance, having clearly outlined investment objectives and a clearly defined investment time horizon. WT Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. WT Wealth Management's website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WT Wealth Management's website should not be construed by any consumer and/or prospective client as WT Wealth Management's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by WT Wealth Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of WT Wealth Management's current written disclosure statement discussing WT Wealth Management's registrations, business operations, services, and fees is available at the SEC's investment adviser public information website (www. adviserinfo.sec.gov) or from WT Wealth Management directly. WT Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WT Wealth Management's web site or incorporated therein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

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