A recent case of a person says he wants to invest $5k/month. When I asked what is the personal objective, he shared that he just has this budget of investment in mind.

The problem :
The personal goal is not clear. The overall financial picture is not clear. He is not sure whether he is near or far from his goal. You do not know which risk class allocation to choose from.

Issue :

He could be over investing.

He could be under investing.

He could be so near his goal that we should reduce the risks further.

It may not tie in with the overall financial situation.

We don’t know….

When there is no clarity, the emotions can drive you up the wall when a crisis hits.

Value of an advisor :

To bring clarity, more peace of mind, more confidence and less anxiety to get you to your best ideal life, with the right amount of budget and appropriate sum, with the least amount of risks.

Isn’t that what you want in life?