For some people, the thought of using financial services is a scary 经验. It involves planning for a future where you may not know how the economy may be, 你的健康状况如何, 或者你的财务需求是什么. One of the reasons that many people find planning out their finances intimidating is the number of myths surrounding the process. Still a little apprehensive about starting on your financial journey? Here are a few reasons why working with a financial professional may be less frightening than you think.

1. 它可能没有你想的那么贵

Many people believe that financial services are expensive and only for the wealthy. Instead, financial services are helpful for almost everyone and may not cost as much as you think. Many financial professionals are available who may assist with your planning. This may make finding an affordable financial professional easier.¹

2. Financial Services Are More Than Your Investment Portfolio

当一些人想到金融服务, they may think it is maintaining an investment portfolio, but a lot more goes into it than most people think. Financial services considers your financial situation, 比如流动债务, 收入, 和储蓄, 并将这些与你未来的目标进行比较. By looking at your complete financial situation, your financial professional could devise a plan that allows you to work toward your future financial goals based on where you currently are and where you would like to be.¹

3. You May Be Further Along Financially Than You Think

Some people are afraid of working with a financial professional because they are fearful the analysis may show they won't have enough financial resources to get by in the future. The good news for some is that you may need less than you expect when you are older. If you have children, they may need less support when grown up and on their own. You may also have your home and other debt paid off and may spend less in your later years. You may feel some relief when creating a financial plan if you realize you may be in a better position than you think.²

4. You Are Able To Change Your Financial Strategy

If you are anxious about making a plan for your finances because you fear you won't be able to change it down the road, 你没什么好担心的. Financial strategies are fluid and often change. You adjust throughout your life based on your current financial situation and changes in your family and lifestyle. Your financial professional could help you stay on top of these changes and help you make needed adjustments to keep in line with your future goals.¹

The thing to do is push fear aside and contact a financial professional who has the tools, 经验, 以及帮助你制定计划的培训. Request a complimentary consultation, either in-person or virtual today!

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重要的信息披露

The opinions voiced in this material are for general information only and 不 intended to provide specific advice or recommendations for any individual.

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

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^{1)认为财务规划不适合你? 没你想的那么难，那么可怕. http://www.usatoday.com/story/money/personalfinance/2018/07/30/financial-planning-myths-costs-tips/808208002/}

^{2) 15 Reasons Why Retirement’s Not as Scary as You Think http://www.雅虎.com/now/15-reasons-why-retirement-not-090000902.html}