Independent Financial Advisor / Sportfishing, San Juan Capistrano

Why You Need a Financial Advisor for 2017

Written by Rick Jensen on .

How often do you worry about money and your future retirement? How much stress do your finances add to your life?

Think about it this way: if you wanted to go on a big fishing trip, something you had dreamed about for years, would you just throw a few things in a bag and head out? Of course not! You would research locations, seasons, and strategies, as well as invite friends and prepare details for the big event.

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Additionally, you might talk with seasoned fishermen who can walk you through the planning process. Unfortunately, when it comes to money, nearly half of Americans don’t know where to turn for financial advice and support, and 62% don’t work with a financial advisor of any kind. Why not treat your finances the same way you would a fishing excursion? Isn’t your retirement something you’ve dreamed about too?

Don’t Be a Statistic

The good news is that you don’t have to win the lottery to change how you feel about your finances and how you enjoy life. Studies show that people who work with an advisor are more likely to feel less stressed, have increased confidence in their savings, and be more knowledgeable about their retirement opportunities, as well as more conscious of their spending habits.

But perhaps one of the best things about working with an advisor is that there’s never a wrong time to start. Just as it’s never too late to start saving for retirement, it’s never too late to strategize for your future and make the financial changes necessary to reach your goals.

When Can an Advisor Help?

Even if you feel confident in your finances and future retirement, you may not realize you’re making common mistakes or missing out on investment opportunities that could significantly increase your savings.

If you’ve experienced one of the following events in the last year, an advisor can help:

  • You had a baby

  • You changed jobs

  • You lost a job

  • Your salary changed

  • You started a business

  • You bought a house

  • You got married

  • You got divorced

  • Your child graduated high school

  • You or a loved one experienced a severe disability or illness

  • Your spouse passed away

Additionally, an advisor can help if you’ve faced one of these questions in the last year:

  • Is my spending in line with my income?

  • Can I afford a second home?

  • Should I save for retirement or my child’s college tuition?

  • How much do I need to retire?

  • Is life insurance appropriate for my situation?

  • How much should I contribute to my 401(k)?

  • How should I invest my savings?

  • Am I saving enough?

  • When can I retire?

  • What will my Social Security benefits look like?

  • Will Medicare provide enough coverage for my needs?

  • How can I help my kids make wise financial decisions?

  • How do I gracefully exit my business?

Finding the Right Advisor For You

So why do a majority of people go it alone on their financial journey? For many, it can be intimidating to share the personal details of your finances with a stranger. This is especially tough if you feel you’ve waited too long to seek financial advice.

I’m here to tell you that getting started late is better than not starting at all. If you or someone you know has yet to meet with an advisor about their retirement, contact me and we can sit down to create a successful retirement strategy so you can reach all your financial goals! Make an appointment now by calling me at 949-481-1807 or emailing This email address is being protected from spambots. You need JavaScript enabled to view it..  I look forward to hearing from you.

Meet Rick

Over a 25-year career in financial services, Rick has helped hundreds of business and personal clients meet their investment goals by developing risk-efficient portfolio management strategies. He holds degrees in Economics and Psychology from the University of California, Irvine.

The water is Rick's second home: He and his family have been fishing Southern California and Baja going on four generations. In the 1940s, his grandmother worked at the Cannery Restaurant in Newport Beach—when it was an actual Albacore cannery. In the 1950s, his father was on the crew that built two of the boats still in service at Dana Wharf Sportfishing.

To schedule a complimentary wealth consultation or to get a second opinion on your financial plan, contact Sportfishing Financial today. To learn more about Rick, visit his website and connect with him on Facebook. To ask a question or get our list of upcoming fishing trips, call 949-481-1807 or email This email address is being protected from spambots. You need JavaScript enabled to view it..