An investment plan will include tactical implementation and ongoing monitoring.

It is possible that an individual may not be aware of the importance of, or realize that they need an investment plan as an adjunct to a financial plan — most people only have questions about their money in the context of what they are currently facing in life.

An investment plan provides insight to help make decisions preparing for the larger context of life heading towards retirement. A conversation about your goals, obstacles and opportunities, sets the framework of incorporating our clients’ values, which helps you understand the purpose behind your planning.

Trained asset managers work for fund companies, and design funds to excel over the long term. They also know if they should sell any lemon by continually monitoring the portfolio. An advisor can work with these managers to design a balanced portfolio based on a client’s age and risk tolerance.

There is a lot of activity on any given day on the stock exchange based on both buying and selling securities. When we invest during a volatile period it is wise to rely on the expertise of professionals who have a deep understanding of capital markets.

One novice investor can sell an investment security at precisely the same time when another professional investor who understands market behaviour, acts with a clear purpose to buy the same investment.

An advisor can help you out of a potential guessing game that may lead to erroneous investing tactics with overall poor performance compared to the long-term investor.