Retirement For Life

Do You Really Need a Financial Advisor? - Ep 29

• Christian Cyr, CPA, CFP® • Season 2 • Episode 29

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To get the full RFL experience, watch the episode here at https://youtu.be/J97GI2wbU0I

This episode explores the critical question of whether or not you truly need a financial advisor. We examine the common misconceptions surrounding financial advisors and highlight the distinct advantages they provide in retirement planning.

• Discussing the frequent question: Do I need a financial advisor? 
• Delving into the potential value that financial advisors add to portfolios 
• Highlighting important elements of financial planning, beyond investments 
• Insights on confidence levels among individuals with significant assets but no advisors 
• Analyzing the significance of tailored financial strategies in achieving retirement stability 
• The broader implications of relying on financial experts versus self-management 


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Brooke Fay :

Hey everyone, Welcome back to Retirement for Life.

Christian Cyr, CPA, CFP®:

Yeah.

Brooke Fay :

Today we're answering a question we hear all the time Do I really need a financial advisor or can I handle my money on my own? We got a great comment recently, actually on YouTube, from someone who's doing a lot of things right good income, diversified investments and even working with an advisor but they're wondering if they actually need one. So let's talk about it.

Intro:

Retirement for Life, your passport to a comfortable and confident retirement. The podcast that's equal parts education and entertainment, where we break down the retirement menus with a dash of fun and a heap of wisdom from your host, christian Sear, cpa, the passionate retirement specialist and president of Sear Financial Wealth Advisors. The independent registered investment advisor specializing in the AIM retirement system.

Christian Cyr, CPA, CFP®:

Do I need an advisor? First of all, I read the question. There's a lot of disjointed things here. He doesn't understand what a CFA is. Why did he pick CFA? Do you think, Emma, Because you're a CFA?

Emma Bean, CFA®:

Maybe mentioned in that video. Having a CFA is important for the investment side of things, but that's really not the only thing you should be looking for in an investment advisor team.

Christian Cyr, CPA, CFP®:

Great topic. We just had a new client or potential client walk in the door the big question is is there value.

Christian Cyr, CPA, CFP®:

I'm looking forward to talking about it. You know, if you look at this question, I think it really shows most people have a lot of things going on in their life. There's so many moving parts. There's accounts here, there's this idea here, there's this special situation here. I need a tax planner here. I need a state planner there. You know this couple that just came in. They walk in and we thought they were going to be a kind of a simple client. You know, kind of a one, two, three, let's get this done. And the more they talk, the more that just the onion layers unpeel.

Andrea Brannon, CFA®-IF:

It happens so often too. Oh my gosh.

Christian Cyr, CPA, CFP®:

I think for me it's a hurdle to get through. People are always focused on costs. We'll talk about if it's right or wrong for you to have a financial advisor, but, like many things, people just have the wrong perspective. I paid $500 for a driver. It's not this driver, but I paid $500 for a driver. Guess what? I hit the ball so much straighter. I hit the ball so much further. The value I got exceeded the $500 I paid for it. So, what do you guys think?

Emma Bean, CFA®:

I mean, you get that a lot, where you have people saying similar to your driver analogy Well, I have a $20 driver that I got from an old friend, can it do the same thing? Well, the answer is really no. I mean, it can do maybe some of the work, but there's a lot of optimizing you can do. And that's the same thing when it comes to an advisor. There's quite a few people, especially the informed people that make comments like this on our YouTube video, that think they really have it all under control, but there's quite a lot of value that can be added. You know, even aside from what this guy is talking about, which is his investments, his income and even aside from what this guy is talking about, which is his investments, his income there's quite a lot more that goes along with it, even aside from what he mentioned.

Christian Cyr, CPA, CFP®:

All right, so let me put Andrea on the spot, because I love to do that. If you hire a financial advisor and this is a generic question and a blanket question- Okay. So just answer it in generalities Will you have, by hiring a financial advisor, more money when you die?

Andrea Brannon, CFA®-IF:

I definitely think so.

Christian Cyr, CPA, CFP®:

Okay so if that financial advisor charged you $80,000 a year or $8,000 a year or $800 a year, does it really matter what the fee was? The real question is is there value there? And that's really ultimately what it comes down to. I think the sticker shock of a financial advisor is there, but the perception is what am I going to be after this? What is my drive going to do after this? What is my portfolio?

Brooke Fay :

going to look like after this?

Christian Cyr, CPA, CFP®:

What is my drive going to do after this? What is my portfolio going to look like after this? There was a quote that I heard years ago and I still remember it to this day. There was a wise financial advisor. When I was just becoming a financial advisor and I was reading about what it's like to be a financial advisor, she was in Barron's, back to Barron's my favorite publication, the old man investment publication.

Christian Cyr, CPA, CFP®:

But I was reading it and she goes what if this value is three or four things in your entire lifetime? What if I help you with three or four decisions in your lifetime? I've always said to my kids your life will come down to three decisions. When you die you're going to look back and say there was three things that drove my life. Hopefully those three things were good decisions, like I helped a friend in need or I chose this job over that job. But what if your three things going to the grave were I drove when I shouldn't be driving, I overreacted with my weapon when I shouldn't, whatever, there will be three or four decisions with your relationship and your life with a financial advisor that will change your financial outcome. So I don't know. But what about this guy? I don't know if he has everything straight and narrow here. Do you know? There's 700,000 advisors in the United States of America.

Andrea Brannon, CFA®-IF:

Mm-hmm. Yep, We've talked about that before. I mean there's a lot of good financial advisors, but are they all fiduciary? Are they all looking at the big picture?

Christian Cyr, CPA, CFP®:

What do you say when you meet a financial advisor?

Andrea Brannon, CFA®-IF:

Well, I mean, we have a whole list of questions that we you know.

Christian Cyr, CPA, CFP®:

tell people no, I mean, if you find a financial advisor on the street, what do you ask them? I ask them hey, do you know? What do you think about this? What do you think about Roth conversions? You, just you, can ask a bunch of questions A lot of them don't look into.

Emma Bean, CFA®:

Roth conversions, even Whatever, you can just tell who the good from the bad are Right, and I think a lot of our existing clients have come to us because they don't know the right questions to ask, and it seems like you know according to this comment. It seems very straight and narrow. He's got X accounts here. He's invested in these four things. I have my income sorted out. That's all I need. But really I think there's a deeper level of things you need to be asking and things that you could be optimizing, aside from just the investments and the income that an advisor is really going to provide value for you there.

Christian Cyr, CPA, CFP®:

Yep, how many pages. When we first meet a client for the very first time today, we just did it. How many pages of stuff is there to ask them?

Andrea Brannon, CFA®-IF:

I think there's at least six pages of questions.

Christian Cyr, CPA, CFP®:

I think there's at least six, probably seven, right? I love people on YouTube who give you their full life story and expect an answer.

Emma Bean, CFA®:

Yeah.

Christian Cyr, CPA, CFP®:

The answer to this question is let me spend about 20 hours with you, working on you, and maybe I can come up with an answer. I mean. They're expecting. What did he say? What's his ask here?

Andrea Brannon, CFA®-IF:

He wants to know if he needs a financial advisor.

Christian Cyr, CPA, CFP®:

Do I need a good man?

Andrea Brannon, CFA®-IF:

Is this a good mix?

Christian Cyr, CPA, CFP®:

Is this a good mix? And the thing is, is that as a fiduciary, we have six pages or whatever of questions, because we need to get to know you specifically, because that answer depends on a lot of other things. All right, so there's 713,000 registered advisors according to FINRA 2024 industry snapshot. How many of them are acting, do you think, as a fiduciary? Like what? Percent? 700,000. That's a lot. That means I am registered with the FINRA organization. I have passed the test.

Andrea Brannon, CFA®-IF:

Is this the guess? The numbers game?

Christian Cyr, CPA, CFP®:

No, this is just us talking.

Emma Bean, CFA®:

I'm going to say like 30%. It's more popular now, though.

Christian Cyr, CPA, CFP®:

It's growing. You can watch the graphs. It's growing as a fiduciary but it's 57% Okay. So basically just over half now are doing some sort of fiduciary and most of them are not fee only. Most of them are doing kind of like a dual registration. What percent are CFPs? Certified financial planners?

Andrea Brannon, CFA®-IF:

Less than half of that number, so maybe 25% of that number.

Christian Cyr, CPA, CFP®:

What do you think?

Emma Bean, CFA®:

I'll tell you the less Less, maybe like 20%.

Christian Cyr, CPA, CFP®:

Yeah, it's 14%, wow, okay. So I've said it before, a certified financial planner is not the gold standard per se, but if you are interviewing 700,000 financial advisors, what you do know is that if you're working with a CFP, they have gone through some very rigorous testing, they have a great base of knowledge, they tend to be more planning focused than investing focused and they are abiding by a higher set of standards fiduciary, ethical standards. So if you're interested in looking for a financial advisor, the top thing I always say level five advisor, complex planning and of people who are doing plans, how many people are, how many fiduciaries are doing financial planning and, basically, are doing like two or three things? Not a lot, no, yeah, complex. And then, how many of them have a CPA or two or three on board?

Emma Bean, CFA®:

Very few yes.

Christian Cyr, CPA, CFP®:

So what's your answer to this guy? Two or three on board, very few, yes. So what's your answer?

Andrea Brannon, CFA®-IF:

to this guy.

Emma Bean, CFA®:

Does he need a financial advisor? I think so. We would need a lot more information. I would say those four ETFs maybe aren't the broad scope of all investments you could be in. I don't see any real estate.

Andrea Brannon, CFA®-IF:

Maybe that could be something we look at, but the thing is, is that just because he has this stuff doesn't mean he has a financial plan? That's looking at the big picture.

Emma Bean, CFA®:

There's so many factors that we don't know that we certainly can't answer from just a couple. Four sentences of information from him.

Christian Cyr, CPA, CFP®:

Well, okay, Is this the video that we did Level 5 Financial Planning. What's a Level 5 Financial Advisor?

Emma Bean, CFA®:

Yeah.

Christian Cyr, CPA, CFP®:

Well, it's a good question. It was asked 54 minutes ago. That video came out like a year ago. That means people are watching our videos. That's exciting.

Intro:

Guess the number game.

Christian Cyr, CPA, CFP®:

Well, I'm so excited for guess the number game, I just want to win every single one of them.

Brooke Fay :

All right, Andrea, you want to start it off?

Andrea Brannon, CFA®-IF:

Yep, okay, so I was reading an article. Wait a second. Yeah, all right, andrea, you want to start it off? Yep, okay, so I was reading an article.

Christian Cyr, CPA, CFP®:

Wait a second yeah, before we start, what is the lifetime score? Let's just say it out loud yeah. Who's winning?

Andrea Brannon, CFA®-IF:

Chris is winning. We know why this question was asked, unfortunately. Yeah, we're going to change that what's the score? Two for me, yeah each of us got a half A A half A half right Because we both answered the same Right.

Christian Cyr, CPA, CFP®:

All right, you can play it home, which I still think should have been one for each of us.

Andrea Brannon, CFA®-IF:

Yeah, I agree.

Brooke Fay :

It's funny how the rules Okay so mine.

Andrea Brannon, CFA®-IF:

I was reading an article on Kiplinger, and it's how to avoid these 10 retirement planning mistakes. Some mistakes that were alluded to are do you only have one source of income? Are you planning for health care? Are you planning for inflation? And are you overlooking tax optimization? Okay, good, all stuff we talk about every day? Yes, exactly. So, according to the Employee Benefit Research Institute, what percent of US households may run short on retirement funds?

Emma Bean, CFA®:

Okay, Okay, I'm hoping to gain a point here, but I hope you do too. He's just going to one-up me, I'm guessing, and I'm going to lose this point, but we're going to remain positive.

Christian Cyr, CPA, CFP®:

Okay, I have my answer, Emma.

Emma Bean, CFA®:

Okay, oh, wow, okay, mine's 65% Shoot.

Andrea Brannon, CFA®-IF:

The answer is 40.

Emma Bean, CFA®:

No, Come on, that's no 40. No, come on, that's no fair, it's terrible.

Christian Cyr, CPA, CFP®:

Chalk it up.

Emma Bean, CFA®:

Emma, we spot on, we have the same answer. Yeah, you are always close.

Christian Cyr, CPA, CFP®:

All right, that's a good one, andrea. So let's talk about that for a second. I think it's low. I don't know. 40% of US households may run out of money.

Brooke Fay :

Yeah.

Christian Cyr, CPA, CFP®:

You know, it's like the person that, just the group that just walked in the family we were talking about earlier. They made a decision on their social security and then went to come see us as a financial advisor.

Andrea Brannon, CFA®-IF:

That's backwards. Why, yeah, and you asked that question and they didn't really know why, other than they needed income. That was their reason they needed income, yeah.

Christian Cyr, CPA, CFP®:

Okay, next question, I'm ready.

Emma Bean, CFA®:

Emma. Okay, so this is from the Investment Company Institute and so this is a hot topic lately the average mutual fund expense ratio. So we've seen this going down lately and kind of by a lot for some companies out there. But I would like you guys to guess the average mutual fund expense ratio.

Christian Cyr, CPA, CFP®:

Okay, First of all I will give an answer, but Are we talking a percent? Yes, it's a little bit of a general question because there's multiple share classes, but I'm just going to assume it's all share classes.

Emma Bean, CFA®:

This is average of equity mutual funds all types.

Christian Cyr, CPA, CFP®:

Equity mutual funds Okay. 40 mutual funds Okay. My answer is the exact same 6.62%.

Andrea Brannon, CFA®-IF:

Not mutual funds.

Emma Bean, CFA®:

I just said 2.5%. Okay, it's 42 basis points, yes, so this is quite a bit lower than we've seen, that's actually very low. Very low, a bit lower than um, that's actually very low. However, I will say, like we, how often do we see clients come in with mutual funds in their old portfolio? That um, like I saw one the other day. The other day that was over one and a half percent.

Andrea Brannon, CFA®-IF:

I mean, that's almost criminal well, and there's some out there that are, you know, six and a quarter yeah okay, here.

Christian Cyr, CPA, CFP®:

Okay, here's the thing. Here's the thing. What did we just say about using a financial advisor? Whether they charge you a thousand dollars, $10,000 or a hundred thousand dollars, are we fixating on fees or are we fixating on the end outcome? Financial advisors, the question should not be how much are you charging me? The question should be am I ending up? But with mutual funds, I think it's a different story, because we've talked about this. 95% of these things that you're talking about underperform.

Christian Cyr, CPA, CFP®:

So in this case, you're paying for something that's not giving you value.

Andrea Brannon, CFA®-IF:

I mean, you can do something similar for less than that.

Emma Bean, CFA®:

Right. So my main point with this is I would say this is probably the biggest argument we see when people come to us and say I don't really need a financial advisor, I can get an account that's managed for 42 basis points. There's quite a few things missing from that that an advisor would do for you. One of those is managing the different accounts. Whether you have a Roth IRA, a taxable account, Is your advisor, is your mutual fund going to help you with the tax efficiency in that account? No, they're not thinking about that. A Roth conversion, for example, we do that a lot. We provide our clients with a full, detailed Roth conversion analysis and help coordinate that with their CPA. You don't get that with a mutual fund. We could go on and on, but there are quite a few things that you know they're not included in. That cost Right, and we can help you do that, for you know not that much more expense-wise. We're adding so much more value than it costs, Right.

Christian Cyr, CPA, CFP®:

It's a great point because we're talking about. The point of this podcast today is is a financial advisor worth it or not? And the answer is it depends. And the question is what's the end value going to be? But when we were discussing fees again, I'm going to go back to the meeting we just had an hour ago with a potential client. They're fixated on fees and when they hand over their current statements and if you're listening to this, think okay, I have a statement. They handed us three statements. They were all invested 100% in mutual funds and they're discussing oh, if I go to you, mr and Mrs Financial Advisor, now, I'm going to pay this fee. But I said to them look at your statements. And they had. How many years of statements did he have?

Andrea Brannon, CFA®-IF:

He had a lot. It was a huge binder.

Christian Cyr, CPA, CFP®:

Let's say you had three or four years of statements. I said go through three or four years of statements and find me with your current mutual funds, find me the word fee. You're not going to find it If you are invested in these mutual funds. This is 42 basis points. So Emma just told us that the average fund fee is about half a percent. You're already paying in these mutual funds. You just don't see it Right. So it's an important point. It's not like you're going from zero fees to these big fees. You're paying fees. The difference is now, with a fiduciary, you're just going to see the fees.

Andrea Brannon, CFA®-IF:

Well, and with this, what value are you getting for your 50 basis points, or whatever?

Emma Bean, CFA®:

To Emma's point nothing Right and there's a lot of things that you could be missing too. Just know, just investments alone. You're just probably invested in stocks and bonds, maybe real estate, but are there things like annuities or larger real estate investments, things like that, that you could be invested in that could help your overall returns and help with the risk in your portfolio?

Christian Cyr, CPA, CFP®:

There will be three or four major financial decisions that the financial advisor will help you with throughout the course of your life, and mutual funds are not going to answer that question for you. They're not going to give you that advice. Well, one good thing about me asking my question here-.

Andrea Brannon, CFA®-IF:

Is you can't get a point.

Christian Cyr, CPA, CFP®:

I can't get a point and my hope is that you guys tie again yeah right, that's not Although I don't get a point.

Christian Cyr, CPA, CFP®:

And my hope is that you guys tie again. Yeah right, although I don't think you will today. Okay, so we're talking about is a financial advisor worth it? Well, I thought we'd go to the people that we tend to work with, people who have done a good job saving in their retirement. So this is focused on people who are high net worth, and high net worth in this definition is people who have $1 million or more of investable assets. So here's the question According to Northwestern Mutual's 2024 Planning and Progress Study, what percent of high net worth Americans those with at least a million dollars of investable assets, who do not do not have a financial advisor what percent of them believe regardless, even though they don't have a financial advisor, they still believe that they are financially prepared for retirement? I don't have an advisor. I am rich. I've got $2 million in my account. I feel confident about my retirement.

Emma Bean, CFA®:

I feel like we see that a lot People are confident because they have so much in their accounts that they don't think it'll ever run out.

Christian Cyr, CPA, CFP®:

Okay, so what percent of high net worth Americans who do not use a financial advisor have confidence in their retirement?

Emma Bean, CFA®:

I said 60%, 40.

Christian Cyr, CPA, CFP®:

Brooke, what's the answer?

Andrea Brannon, CFA®-IF:

Oh man 70%.

Christian Cyr, CPA, CFP®:

Now, importantly, we are talking about do I need a financial advisor? I have $2 million in my account. I'm going to be fine. I'm never going to spend all that money. Going to be fine, I'm never going to spend all that money. Why do I need a financial advisor? Because, very likely, like we said, you will have more by making wise decisions, partnering with a financial advisor, and that's why 92% of people who have $2 million in their account feel confident in their retirement because of those decisions that the financial advisor will make. I think it's compelling. And so now should we say that I have four points lifetime, yeah. Do we have to put a handicap on this? Like, should I only?

Brooke Fay :

get a half point when I get something right. No, fair is fair.

Emma Bean, CFA®:

All right, I'll get a point there. One and a half. I'm coming for you.

Christian Cyr, CPA, CFP®:

All right.

Intro:

What's on our mind?

Christian Cyr, CPA, CFP®:

So, yeah, I have some stuff on my mind. This is what I'm thinking about today. It's February 2025. And do you guys remember what I said? The stock market was going to be like this year.

Emma Bean, CFA®:

Volatile up and down Rollercoaster.

Christian Cyr, CPA, CFP®:

Yeah, it has been a volatile rollercoaster. This is a picture of the stock market so far in 2025. It's been the very definition of volatility.

Emma Bean, CFA®:

Yep.

Christian Cyr, CPA, CFP®:

I still think that the underlying economy is strong, but as I'm talking to my clients on a daily basis, what are we telling them?

Andrea Brannon, CFA®-IF:

I mean just kind of hang on.

Christian Cyr, CPA, CFP®:

Hang on.

Emma Bean, CFA®:

Yeah, we're going to continue to see the volatility.

Andrea Brannon, CFA®-IF:

I mean the thing is is that everyone's concerned, Everyone's saying the same thing, you know, but ultimately everything's been okay.

Christian Cyr, CPA, CFP®:

Yeah, and a particular interest to me and our clients is that there's this. The next concern is you know what is our president going to do? It is we've probably had I don't know, we've had probably close to 50 meetings already this year and that topic comes up so much. So next, slide Brooke, what I would like to tell my clients, or what I do tell my clients when they're in. We had an episode, which I thought was a great episode, where we highlighted that experts don't know what they're talking about. They're talking about. We highlighted that I think 80% of the experts were wrong in 2024. And then we highlighted in 2025 that if you put all of the experts' opinions together, they basically equal a long-term diversified, balanced portfolio. So I kind of went back and I was thinking and I'll talk about Trump and tariffs here in a second but I was thinking about, if we were reading the Wall Street Journal two months ago and have you guys heard they name it the Trump trade what should you be invested in?

Emma Bean, CFA®:

So the NASDAQ is on there and that's with AI.

Christian Cyr, CPA, CFP®:

That was supposed to be Trump trade. Remember what he did? He just paraded out all the AI companies. They're going to spend $500 billion on AI and everything's AI.

Emma Bean, CFA®:

Look where they're at down 5%.

Christian Cyr, CPA, CFP®:

AI is down 5% this year. Now there were some things in the Trump trade that so far have been positive.

Emma Bean, CFA®:

Number one is energy.

Andrea Brannon, CFA®-IF:

Energy is up 5%, is it Yep?

Christian Cyr, CPA, CFP®:

Yeah, and there's one more on there.

Andrea Brannon, CFA®-IF:

S&P, s&p.

Christian Cyr, CPA, CFP®:

So the black line on this chart is if you just invested in everything, yep, and that's what you should do. You should not try and guess. Should I be in that blue thing right there. Should I be in that blue thing right there? Should I be in that orange thing right there? You should be invested in a diversified, long-term portfolio.

Christian Cyr, CPA, CFP®:

Don't come to me and say what should we be invested in right now? Because the answer is a little bit of everything, and if you're looking for a financial advisor to add value, the good ones are not going to be telling you we're putting 40% of your money in anything. Okay. So this is what everyone's asking, and we'll finish with this. What is the next thing that's going to—I'm going to predict right now. Today is February 25, 2025, and I'm going to predict within the next three days, you will hear a large announcement from the Trump Organization. I'll tell you why. From the Trump organization. I'll tell you why We've had, as we talked about, volatility in the stock market. Have you heard anything in the last week or two from Donald Trump?

Emma Bean, CFA®:

I mean, we've heard a little bit about tariffs, as always, and that makes the market go up and down.

Christian Cyr, CPA, CFP®:

There's going to be, I predict, a big announcement from him and it's going to be something that's going to be. I predict a big announcement for him and it's going to be something that's going to be positive, and you're going to see the markets go back up. We have been up this year. Bonds are up 2%, stocks are up 2%. It's been a volatile ride. We think it's going to be a good year because the underlying economy that's what it's all about.

Christian Cyr, CPA, CFP®:

When you hear the word tariff, I just want you to think of a gun with a trigger. The tariff talk is the gun. Pulling the trigger is a different thing. You can convince somebody nine times out of ten to do something you want to. If you are pointing a loaded gun at them, he's got the bullets in his gun. He is the president of the United States of America. He can do pretty much debatable, but he can do a lot. Okay, these tariffs. When you hear the word tariff, don't get worried, don't get upset. Did you see? Now they're stealing eggs and putting them on the black market. That's the latest black market.

Christian Cyr, CPA, CFP®:

When you hear the word tariff, don't get nervous. Okay, just know that it is his weapon of choice. Right now he's getting countries to do what he wants. Are there some tariffs coming up? Yes, is he trying to level the playing field? Yes, but I think the most important thing that we should be paying attention to if we want to know what's going to happen in this economy this year is inflation and interest rates, and that's what we should be paying attention to. So, big picture, focus on a long-term, diversified portfolio. Don't try and guess what's going to happen. The market might go up for five more years in a row. It might go down next year. It might go down next year. It might go down this year. Long-term thinking is what it's all about. Don't get afraid about some president saying this is going to happen. We've had presidents in this country for over 200 years and we've always been scared about what they're going to say and what they're going to do?

Christian Cyr, CPA, CFP®:

Focus on what really matters. Do I have a job? Am I able to afford the things I want to? Is my family employed? Are we starving? These are the things that matter. So 2025 will be, I think, as we predicted back in January, a fairly decent year. Just get ready for the great American eagle, the roller coaster that was built out of wood. Mm-hmm. Great America, six Flags, great America in Gurnee, illinois. Yeah. Back in 1976.

Andrea Brannon, CFA®-IF:

It's going to be like that. I'd say another one that probably only us remember being on.

Christian Cyr, CPA, CFP®:

Well, you date yourself, it's okay. Anything else for this episode today, Brooke.

Brooke Fay :

No, I don't think so.

Outro:

Good investment advisory services provided by seer financial inc. Sec registered investment advisor. All content on this podcast is for information purposes only and should not be considered investment, legal or tax advice. Material presented is believed to be from reliable sources and no representations are made by our firm as to another party's informational accuracy or completeness.

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Christian J. Cyr, CPA, CFP®

Host
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Andrea Brannon

Co-host
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Emma Bean, CFA

Co-host