The media is full of reports, studies and surveys, indicating that Americans are falling short of their retirement goals, 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 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 you seek.

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

Why not consider building a relationship with someone who can provide a range of financial services whenever you need them?

That’s why you need an HD Vest Advisor.

Many HD Vest Advisors are also independent tax and accounting professionals, and are able to offer you everything from accounting and tax preparation to financial services and insurance. That means they can develop an intimate knowledge of your financial strengths, challenges and goals, and apply this knowledge every time you reach out for assistance. But where they can really help you is by guiding you 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 you make the most of your money while avoiding the most common financial pitfalls by following this framework:

  • Investment Management. 
    Overwhelmed by the sheer volume of investment information out there? You’re not alone. Your HD Vest Advisor will thoroughly assess your entire portfolio before helping you build a long-term investment strategy, diversify your 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. Work with an HD Vest Advisor to evaluate your current and future sources of income, become more efficient with your monthly budgets and set aside cash for emergencies.
  • Family Risk Management. 
    A key part of financial planning is to protect your retirement savings and your ability to earn income. Many HD Vest Advisors can provide you with the insurance products that will help protect you during unforeseen events.
  • Retirement Planning. 
    Life expectancies are increasing. Pension plans are disappearing. And early retirement is always an appealing option. Get help in forming a clear vision of what you want from retirement – and a financial strategy that will help you address your goals.
  • Education Planning. 
    You want to make your children’s dreams come true. Your HD Vest Advisor can help you calculate not only how much you’ll need to save for college, but also which investment products are appropriate for your situation. You’ll even be able to figure out how your savings will affect your children’s financial aid eligibility, and how all of this will impact your tax situation.
  • Estate Planning. 
    A well-crafted estate plan ensures that what you want to happen will happen – even after you’re gone. An HD Vest Advisor can help you avoid the tragic (yet surprisingly common) mistake of putting off estate planning until it’s too late.
  • Business Planning. 
    If you run a business, you probably need assistance in dealing with important issues such as employee benefits, business financial goals and risk management. Get input that helps you protect your family, your business and your future.
  • Special Situations Planning. 
    No matter how carefully you plan, unexpected financial needs will arise. An HD Vest Advisor can make sure you’re well equipped to change your financial game plan without jeopardizing your long-term goals.


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