Why work with a financial advisor? 

When you can do it yourself? 

Many times I meet a young person who knows I give financial advice for a living. They ask me about it, and then ask me what to buy. I tell them, "Go set up a free account at Charles Schwab, Fidelity, or Robinhood and start dollar cost averaging in the QQQ." 

They numbly nod their head "okay," and we go on our merry ways. Then I realize that my answer sounded as foreign as a different language to them. They don't understand how to do it, what the investment is, let alone "dollar cost averaging." So, no investment is made. 

I meet older people who don't have wills or trusts. 

I talk to rich people who aren't aware of their state estate tax or the federal estate tax. 

I find out that a new retiree doesn't know the thresholds of when their social security is going to be taxed.

Many still think Bitcoin is internet funny money and has no "intrinsic value."

Quite simply, the variables of your life coupled with the abundance of investment opportunities are overwhelming to most people. 

That's why sound advice is helpful. I help people navigate all the noise and focus on the key factors that are impacting them on their wealth building journey. 

I get advice all the time. From AI models, Youtube videos, and from professionals. Some of the best advice comes from my friends and trusted relationships. I wouldn't want to go through life without some trusted counsel, especially if it is in an area I know very little about. 

- Andy Kangas