What does an Investment Advisor do?

An Investment Advisor generally provides discretionary investment management services consistent with a client’s goals and objectives for a designated portfolio and adds value in several areas: 

  • Helping the client identify life goals (e.g. wealth accumulation, education, retirement, estate planning) 

  • Projecting the cash requirements to achieve those goals 

  • Analyzing the available assets from which to meet the cash flow requirements 

  • Determining the client’s investment risk tolerance 

  • Selecting an asset allocation strategy that best matches the client’s goals with the funds available for investment and the client’s risk tolerance, liquidity needs and tax situation 

  • Helping clients with investment goals while minimizing taxes on capital gains and income 

  • Structuring and executing an investment plan to help achieve those goals