The media is full of reports, studies and surveys, indicating that Americans are falling short of their retirement goals, and yet very little information is provided on exactly why this is the case. With access to thousands of financial products and hundreds of financial services providers, we know lack of available resources is not the reason. Ironically, the culprit for many savers and investors, which could potentially be your clients – is the sheer number of choices available to them, making it more difficult than ever to determine where to go to get the financial advice and guidance they seek.

Your clients could seek professional advice from a financial “expert” they found online, but that would mean sharing their detailed financial information with someone they may not know, or trust. Your clients would have to work hard to educate that person on what’s most important to them, and what challenges are standing in their way. And your clients will always be left wondering whether that advisor had a full perspective on their financial issues – from taxes through investments and insurance.

With your clients’ valuable information already at your fingertips, financial services is a natural extension of your tax services. Why not consider enhancing your relationship with them by being someone who can provide a range of financial services whenever they need them?

That’s why you need to become an HD Vest Advisor.

Many HD Vest Advisors are also independent tax and accounting professionals, and are able to offer their clients a range of everything from accounting and tax preparation to financial services and insurance. That means with your help, your clients can develop an intimate knowledge of their financial strengths, challenges and goals, and apply this knowledge every time they reach out for assistance. But where you can really help them is by guiding them through the 8 Wealth Management Issues, a process that addresses all the major financial issues most people encounter at some point in their lives.

Making the Most of Your Money

HD Vest Advisors are committed to helping their clients make the most of their money while avoiding the most common financial pitfalls by following this framework:

  • Investment Management. 
    In today’s investment environment, it is easy for clients to be overwhelmed by the amount of information available. It seems that the media and so-called “experts” are always telling them what to do with their investments, even though they do not have any knowledge of a client’s specific financial situation. Without your professional advice, taking action could be detrimental to their investment goals. As an HD Vest Advisor, you could help your clients thoroughly assess their entire portfolio before helping them build a long-term investment strategy, diversify their assets,1 and even deal with tax implications.
  • Cash Flow and Debt Management. 
    Everyone knows they should spend less than they earn, but not everyone actually does it. As an HD Vest Advisor, you can help your clients evaluate their current and future sources of income, become more efficient with their monthly budgets and set aside cash for emergencies.
  • Family Risk Management. 
    A key part of financial planning is helping your clients protect their retirement savings and their ability to earn income. Many HD Vest Advisors can provide insurance products that will help protect them during unforeseen events.
  • Retirement Planning. 
    Life expectancies are increasing. Pension plans are disappearing. And early retirement is always an appealing option. Help your clients form a clear vision of what they want from retirement – and a financial strategy that will help them address their goals.
  • Education Planning. 
    Every child dreams about what they will be when they grow up. A college education can be the most important factor in that dream becoming a reality. The available education planning choices can be confusing for clients, and it is important that they have someone helping them who understands how their savings will affect their child’s or grandchild’s ability to qualify for financial aid, as well as the implications for their income, gift, and estate tax situation. As an HD Vest Advisor, you can help your clients calculate not only how much they’ll need to save for college, but also which investment products are appropriate for their situation. With your help, they will even be able to figure out how their savings will affect their children’s financial aid eligibility, and how all of this will impact their tax situation.
  • Estate Planning. 
    A well-crafted estate plan ensures that what your clients want to happen will happen – even after they’re gone. As an HD Vest Advisor, you can help your clients avoid the tragic (yet surprisingly common) mistake of putting off estate planning until it’s too late.
  • Business Planning. 
    Your business owner clients are likely facing daily challenges such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for their retirement, and protecting the business from a potentially devastating financial loss. If you have clients who run a business, you probably need to assist in dealing with important issues such as employee benefits, business financial goals and risk management. As an HD Vest Advisor, you can start providing input that helps your clients protect their family, their business and their future.
  • Special Situations Planning. 
    Throughout your clients’ lives, as they pursue long-term goals, some expected and unexpected needs will come their way. Whether it is planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home, or facing unexpected expenses due to unforeseen events – no matter how carefully your clients plan, unexpected financial needs will arise. As an HD Vest Advisor, you can make sure your clients are well equipped to change their financial game plan without jeopardizing their long-term goals.


1Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.