The Value of Financial Advice

There’s growing evidence of the value that financial advisors bring to the table, beyond investment management. This concept, often referred to as “Advisor Alpha,” has been championed by Vanguard and does a great job illustrating the many hats a financial advisor wears. 

Our goal for you, whether you’re our client or not, is to get the most from your relationship with a financial advisor. A strong relationship with a holistic focus is a great starting point for making the right financial decisions. Let’s delve into a few key Advisor Alpha concepts: 

1. Personalized Financial Planning

At the heart of Advisor Alpha lies personalized financial planning. A comprehensive approach that encompasses your financial goals, risk tolerance, and life circumstances can make a substantial difference in your financial outcome. This goes beyond generic investment recommendations, addressing specific needs such as retirement planning, tax efficiency, and estate planning. 

2. Behavioral Coaching

One of the most critical aspects of Advisor Alpha is behavioral coaching. Financial markets can be volatile, and emotional reactions can lead to decisions that negatively impact long-term investment success. Advisors play a crucial role in helping clients navigate these turbulent times, providing the emotional support and objective guidance needed to stick to their long-term financial plans. This helps prevent costly mistakes like panic selling, which can derail financial goals.

3. Tax Efficiency

Tax implications can significantly affect your investment returns. Skilled financial advisors can create tax-efficient investment strategies that minimize tax liabilities and maximize after-tax returns. This involves strategic asset location, tax-loss harvesting, and understanding the tax implications of various investment vehicles. By optimizing for taxes, advisors can add significant value, enhancing your overall investment portfolio’s efficiency.

4. Cost-Effective Implementation

Costs matter, and minimizing investment costs is a straightforward way to improve net returns. Financial advisors can identify cost-effective investment vehicles, negotiate lower fee structures, and employ strategies to reduce transaction costs. This cost-conscious approach ensures that more of your money remains invested and compounding over time, contributing to greater wealth accumulation.

5. Estate Planning and Wealth Transfer

Advisors can help ensure that your legacy aligns with your values and objectives, developing strategies to efficiently transfer wealth to heirs or charitable organizations. This includes navigating tax implications, setting up trusts, and coordinating with legal professionals to create a comprehensive estate plan.

The value of financial advice extends far beyond picking stocks or timing the market. Advisor Alpha encompasses a holistic approach to financial planning, offering personalized advice, behavioral coaching, tax efficiency, cost-effective implementation, and estate planning. 

By leveraging the expertise of a skilled financial advisor, you can navigate the complexities of personal finance more effectively. In the journey toward financial security, having a knowledgeable guide by your side can make all the difference.

Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results.

This letter is not intended to be relied upon as forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are as of the date noted and may change as subsequent conditions vary. The information and opinions contained in this letter are derived from proprietary and nonproprietary sources deemed by Roush Investments, LLC to be reliable. The letter may contain “forward-looking” information that is not purely historical in nature. Such information may include, among other things, projection and forecasts. There is no guarantee that any forecast made will materialize. Reliance upon information in this letter is at the sole discretion of the reader.

Please consult with a Roush Investments, LLC financial advisor to ensure that any contemplated transaction in any securities or investment strategy mentioned in this letter align with your overall investment goals, objectives, and tolerance for risk.

Additional information about Roush Investments, LLC is available in its current disclosure documents, Form ADV and Form ADV Part 2A Brochure which are accessible online via the SEC’s investment Adviser Public Disclosure (IAPD) database at, using SEC # 151288.

Roush Investments, LLC is neither an attorney nor an accountant, and no portion of this content should be interpreted as legal, accounting or tax advice.