Recently, I had a great conversation with Jan about working together on her family’s financial plan. After taking the Thanksgiving holiday to think things over, she agreed we were a good fit. But before we wrapped up, she said something that stood out:
“I just want you to know that I don’t want you to hard sell me on any annuities.”
Her concern wasn’t based on past experiences with pushy advisors—she’d never had one. Instead, she’d heard so many radio ads for annuities that they felt like something people were pressured to buy rather than choose.
I assured her that our process is collaborative. We only use strategies and products clients understand and feel comfortable with. And if something doesn’t feel right, I encourage clients to speak up—because it’s their money.
What This Means for You
Financial planning should never feel like a sales pitch. Here are a few tips to keep in mind when choosing an advisor:
1. Look for Collaboration
Your advisor should listen first and tailor strategies to your goals—not push products.
2. Ask Questions
If you don’t understand something, speak up. A good advisor will explain until you’re comfortable.
3. Stay in Control
It’s your money. You should never feel pressured into a product or strategy.
4. Focus on Goals, Not Products
Financial planning is about your future, not about selling annuities or any other product.
Collaboration is the foundation of a successful financial plan. Choose an advisor who values transparency, uses a defined process and respects your input.
Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/ SIPC.
This is a hypothetical situation based on real life examples. Names and circumstances have been changed. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments or strategies may be appropriate for you, consult your advisor prior to investing.