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Investment Planner Near Me: How to Choose – PillarWM

High net worth and ultra high net worth investors have the fortune to make smart investments that can further enhance their wealth. Deciding how best to invest your wealth to earn a financial return requires a proper financial plan. When searching for an investment planner near me, you need to ensure that you are making the most appropriate choice to secure your financial future. If you’re an investor with $10+ million of liquid assets, you’re in luck! Our exclusive guide can assist you in finding a financial advisor best suited for you.

High earners have multiple assets that must be handled with care and expertise. Wealth managers at Pillar Wealth Management are experienced in managing investors’ finances with $5 million to $500 million in liquid investment assets, making them well equipped to meet your financial needs. You can reach out to one of our experts by booking a meeting.

Table of Contents
What is Investment Planning?
What Does an Investment Adviser Do?
How Does an Investment Planner Formulate Your Plan?
Should You Hire an Investment Planner or a Financial Planner?
The Advantages of Hiring an Investment Planner
How to Select an Investment Planner Near Me

What is Investment Planning?

For affluent persons, one of the core components of financial planning is investment planning. The latter is crucial for the former. Before you create an investment plan, you must understand what is investment planning. The definition states it to be a process of identifying your financial goals and objectives and matching them to your available financial resources.

Once you have a clear set of goals, you must select which investment vehicle to invest in. Nowadays, there are thousands of options such as cash, equities, property and bonds. A proper investment plan will normally contain a combination of these, according to your assets. This will allow you to build a strong foundation, which can be adjusted with changes in circumstances. An investment advisor will guide you towards the best possible decision by analyzing your investment portfolio. You can contact one of our expert financial advisors to help you.

Investment advisors are financial experts who make investment recommendations and creates your investment portfolio. Your investment portfolio outlines your financial objectives and investment patterns. Regular revision of your portfolio can help you stay on track and even improve its performance. Some of the steps you can take to enhance your portfolio performance are discussed in our guide.

What Does an Investment Adviser Do?

Before you trust your wealth in the hands of an investment advisor, you may want to know what they do.

  • Financial Safety

Securing your wealth should be your and your investment advisor’s main objective. Investment advisors follow a fiduciary duty which legally upholds them to act in your best interest. Therefore, they advise you to invest in safe investment vehicles.

  • Income Generation

Investment planners analyze your financial goals and invest in high risk investment vehicles to generate a higher income for you. They first evaluate the risk-return ratio and then invest in appropriate asset classes that will allow you to receive maximum returns.

Investment advisors are skilled in using investment strategies to seek out opportunities with favorable tax incomes to help reduce taxes.

  • Liquid Investments

Liquid assets can easily be converted to cash but at the expense of a certain level of income. Investment planners can advise you on how to invest in these assets safely

  • Capital Growth

If you want capital gains, your investment advisor can guide you on investing in securities for a longer-term.

Investment Planner Near Me

How Does an Investment Planner Formulate Your Plan?

An investment planner bases their investment decisions on your current financial status and your future financial objectives. They determine which strategies to implement according to your investment profile. They consider how much profit you expect to generate from your investments and whether you want short-term gains or long-term gains. To help evaluate your situation, your investment planner will look at your portfolio and make any necessary changes. Our guide highlights 5 critical shifts you can make in your portfolio to achieve the best results. Your investments, current income, current income tax bracket, expenses and expected time-frame play into formulating the most suitable plan for you.

1.      Identifying your savings and financial goals

Your long-term goals include marriage, family education, retirement, estate purchases, and short-term goals, including debt consolidation, vacations, or monetary purchases. Your investment planner needs to be aware of these, along with your savings, to identify the best course of action for you. This could mean to invest in assets that secure funds for your future goals and earn profits in the present to satiate your short-term goals.

2.      Analyzing your risk tolerance

Comprehending risk management and its potential consequences is essential to a successful investment plan. Investment planners determine your temperament and investment personality to create an appropriate investment plan.

3.      Designing an investment portfolio

Asset allocation requires an understanding of various financial markets to make wise investment decisions. An investment planner can create and manage your portfolio according to your investment profile. A diverse portfolio helps mitigate the risk associated with investment vehicles.

4.      Presenting investment options

Your portfolio will be built in a way that is consistent with your goals and investment strategies. The next step is to explore investment options in the market, such as real estate, stocks, bonds and alternative assets such as art or antique items.

5.      Rebalancing and reviewing your portfolio

Your investment portfolio requires ongoing management to consider significant changes in the market of your personal life and goals. A monthly, quarterly, semiannual or annual review can help determine whether your investments are continually aligned with your objectives.

Should You Hire an Investment Planner or a Financial Planner?

Mapping out your financial future requires you to be vigilant in deciding who to take advice from, especially if you have an abundance of high value assets. If you’re an investor with $10+ million in liquid assets, our exclusive guide highlights important factors to consider when choosing your financial advisor.

While a ‘financial plan’ and an ‘investment plan’ may sound very similar in their objective, a few key differences set them apart, including the financial expert who advises them.

Investment Plan

An investment plan is a specific financial plan that provides a comprehensive and sound strategy to meet your financial goals. It takes your risk tolerance, diversification and asset allocation into account to map out how much and in which investment vehicles you can invest to maximize your returns. It helps narrow down the most prospective options from a broad range of investments available, aiming to give you stability even when market volatility causes your investments to fluctuate.

Investment planners will interview you to understand your financial aims, risk tolerance and time horizon. They will manage your money to provide returns with tangible value, which preserve and maximize the growth of your assets. They can compare these returns to benchmarks to measure your portfolio performance and alter it according to the market conditions. Investment management is a vital component of financial advice concerned with allocating and tracking financial capital and finding investments that can withstand your risk and time horizons.

An investment plan gives you comparable outcomes which are designed to safeguard your assets. High net worth and ultra high net worth investors can benefit by learning more about securing their finances through our hard-cover book: The Art of Protecting Ultra-High Net Worth Portfolios and Estates – Strategies For Families Worth $25 Million To $500 Million.

Financial Plan

Financial plans are comprehensive evaluations of your entire financial life. This contains a summary of your assets and debt, budgeting, current savings, investment plan, taxes, insurance coverage and needs, estate planning and retirement. Financial planners provide you with a holistic and thorough financial plan that ensures the security and growth of your wealth in the present as well as the future. Vacation allotment, future income need, asset purchases, philanthropic expenses, and laws changes are also considered when designing your financial plan. If you’re in the market for a good financial planner, our Ultimate Guide can help you.

Financial planning is dynamic as it is regularly adjusted to reflect any changes that may affect your finances and compensate for any shifts in your financial circumstances or lifestyle. This may include career changes, marriage, real estate purchases, inheritance and more. With these changes, you need to ensure that your financial plan evolves with your needs while maintaining a high standard that sets you up for financial success.

If you’re still asking yourself, “Why do I need a financial planner?” we can provide you with an answer. Advice from financial planners helps you manage your money, use your resources wisely and implement and then renew a plan to meet your monetary requirements. Financial planners advise you on how to deal with financial and human capital, aiming to optimize your portfolio to deliver an outcome to support your standard of living. Once you understand how you need to allocate your assets according to your time-frame, you can get a clearer picture of your expense rate and how much you need to save or invest. This, in turn, allows you the liberty of using your funds consciously and comfortably. Get in touch with one of our professional financial advisors by scheduling a free consultation.

The Advantages of Hiring an Investment Planner

Financial advisors are in abundance. They cater to people from all financial backgrounds, in every financial aspect. As an investor with a high networth, a financial plan can help you organize your wealth, but it can only enhance it to a certain extent. An investment planner specializes in increasing your financial understanding to evaluate investment opportunities and outcomes.

In this respect, investment planning can help you secure your family’s financial stability due to the steady increase in income. Your investments in highly liquid assets become a safety net for emergencies, saving you from compromising your life-savings. Additionally, investment plans that cater to an aggressive investment portfolio can offer high returns, therefore contributing to your finances’ growth.

How to Select an Investment Planner Near Me

The world of investment has its own unique language, markets and resources. If you’re a new investor looking for a high networth financial plan, contacting a licensed professional is in your best interest. Typically, when a person needs guidance on investing, they approach a brokerage firm. Brokers abide by what is known as a suitability standard of care. This means they are required to act in your best interest to recommend investment as per your goals. However, they are not legally bound to find the best or lowest-cost investments for their clients. This could result in them recommending funds with unnecessarily high expense ratios to earn a greater commission.

Wealthy people with high value assets need more assurance that their earnings are in reliable and experienced hands. Registered Investment Advisors (RIA) abide by a fiduciary standard of care, which legally upholds them to put the client’s interests ahead of their own. The use of investments such as low-cost index funds, ETF’s and no-load mutual funds to make sure your needs are met. 


When searching for an investment planner near me, be sure to do some background checks into their certifications. It would be wise to consult your friends or colleagues with more experience in investing. Additionally, you could ask your advisor for references and decide based on the reviews of their clientele.

If this is new territory for you, it is best to do some online research by reading financial newspapers, books and blogs to help you get familiar with the world of investments. Alternatively, you could directly consult a financial advisor to gain insight into your financial needs. Investment advice comes best from someone knowledgeable in that field. Equipping your mind with information on investments can help you determine whether your chosen investment planner is the right fit for you.


Investment planning helps you establish a clear set of milestones to align you with your investment objectives and future financial goals. Investments for long-term retirement funds or investments to boost your financial health require a well-thought-out plan. Investment planners use your beliefs and values to tailor their process of choosing how to allocate your assets. This involves knowing the past performance of particular investments, the potential for future returns, and the relation between the risks and returns. 

Investment advisors or investment planners have different suggestions and strategic approaches based on your investment policy statement. Finding a financial advisor who has the appropriate knowledge base and experience suitable for you can be a daunting task. Pillar Wealth Management has a team of expert wealth managers who have decades of experience giving financial advice to investors with $5 million to $500 million in liquid assets. Schedule a free consultation with us today!

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