Hiring the Right Financial Advisor

On this week's episode of the Wiser Roundtable Podcast, the team discusses everything you need to know about hiring the right financial advisor.

Listen on Apple Podcasts or watch on YouTube:

SUMMARY:

The team begins the podcast by discussing how to go about hiring the right financial advisor. There is a low barrier to enter the financial advising industry, and it is important to do diligent research when searching for a firm or financial advisor.

Why are Annuity Sales Bad?

Annuity sales are not something we recommend. Those who sell annuities guarantee that the investor won't lose, but there is no guarantee that the investor will make anything either. Those who sell annuities bank on individual investor's fear or pain of losing. Annuity returns are not near as much as returns from traditional investing. Annuity salespeople benefit and make money by selling annuities.

What to Ask a Prospective Financial Advisor

Do you have relationships with firms that you earn revenue from that you might use to make recommendations to a prospective client?
Are you independent?
Do you custody assets or are assets held at another firm?
How are you being compensated?
Have you ever had any sanctions against you?
How many clients do you have?
Do you have any professional designations?
What is your educational background?
Are you a Fiduciary?
What services can I expect from you?

Financial Advisor Compensation

Compensation is an important part of the relationship between the financial advisor and the client. Firms are typically fee-only or commission based. Wiser Wealth Management, for example, is a fee-only, fiduciary firm. A fee-only financial planner is paid by a set fee or a percentage of the assets under management. A financial planner that is commission based (or fee-based) is compensated from commissions made through financial transactions and by using products.

BrokerCheck is an excellent resource when researching financial advisors.

TIMESTAMPS:

0:40 Bad Financial Advisors

8:37 Why are Annuity Sales Bad?

12:28 Researching Advisors and Firms

23:50 Financial Advisor Compensation

LINKS:

Learn more about Casey Smith and connect with him on Twitter.

Learn more about Brad Lyons.

Learn more about Matthews Barnett.

CONNECT:

Twitter, Instagram, Facebook, LinkedIn, and YouTube.

Learn more about the Wiser Wealth Management Roundtable podcast and access previous episodes.

Wiser Wealth Management, Inc. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Wiser Wealth Management @wiserwealthmgt ·

24 Jun

Happy Birthday to Kylie, our Marketing Assistant! Kylie works hard behind the scenes on our website, podcast, social media, and so much more.

Wiser Wealth Management @wiserwealthmgt ·

22 Jun

Meet Daphne, our Financial Planning Intern. She is studying Finance at The University of Georgia. We are excited she's joined us for the summer!

https://conta.cc/3Ov1Fub

Wiser Wealth Management @wiserwealthmgt ·

17 Jun

Your Medicare premium is affected based on which tax bracket you fall within after age 63. IRMAA is your income-related monthly adjustment amount. Watch today's video to learn more about how IRMAA works.

https://conta.cc/3zK9WGw #irmaa #medicare

Wiser Wealth Management @wiserwealthmgt ·

10 Jun

The big question is, will we have a recession in 2022? Watch this video to find out!

https://conta.cc/3Mz2z7D #recession2022 #recession
https://youtu.be/45TvHaZf4z4#recession2022

Wiser Wealth Management @wiserwealthmgt ·

3 Jun

Happy birthday to LJ our Video Production Manager! LJ works behind the scenes producing all of our podcasts and videos that we post every week. 🎉

125 Church Street NE
Carmichael Building, Suite 220
Marietta, Georgia 30060

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678-905-4450 [email protected]

Google Rating

5.0

Based on 71 reviews

Wiser Wealth Management, Inc

5.0

Darron Hunt

20:12 23 Jun 22

Suzanne Wood

15:45 20 Jun 22

I have been with Wiser Wealth Management for over 10 years and they have done a great job for me. They are always available to answer questions and give advice. I love that they are a fiduciary organization. That said, I think they are the best!

David Beaty

13:51 17 Jun 22

I have known Casey for quite a few years now. He runs a good shop, very knowledgeable and responsive. Everyone that works there is a pleasure to deal with.

Todd Rice

17:24 12 Jun 22

Casey and his team truly listen to and address your financial goals and concerns and put together solid financial plans that are conservatively tailored to helping you achieve financial security. Thank you to them.

Chad Moser

22:11 02 Jun 22

These guys are amazing and go above and beyond the call of duty!

Rhonda Collins

14:49 02 Jun 22

Professional and courteous

bill smith

14:37 02 Jun 22

Super nice people to deal with they really care about their customers have been with these guys for five years could not talk me to go anywhere else ,you dont havemany co's with customer service like wiser ,take your money there you will not be disappointed ,thanks bill

Hooper Wilkinson

14:21 02 Jun 22

Great, trustworthy group of professionals. I wouldn't work with anyone else.

Linda Brady

19:34 19 May 22

Our yearly meeting with our Wiser Wealth Management team went well, as usual. Our finance strengths and balances were discussed. We asked questions that were answered to our satisfaction. We enjoy working with Casey and feel that he has our best interests at heart.

Charlene Richardson

13:34 07 May 22

We are appreciative of Casey & his staff. They are friendly & helpful.

Tom Townsend

12:52 25 Apr 22

Casey and the team are always professional and provide fantastic value. Thanks for having out back and providing great insight and financial advice!

Tony Dingler

00:16 01 Apr 22

Casey's presentation was very informative and helpful. he made sense out of things that can be confusing. I left having a good and positive feeling about my retirement.

Tyler Mooney

00:56 01 Mar 22

steve m

04:07 17 Feb 22

I am very satisfied with the level of expertise and service I receive at Wiser Wealth Management. They are very concerned with making the right decisions with my retirement account an answering questions that I have with the market and funds. Casey has stuck with me during the Highs and Lows to help me out. I cant ask for much more than that. Its a pleasure to work with them and have a great sense of security for tommorrow.

Jennifer Bryant

17:55 28 Jan 22

Casey and his team always deliver excellent service. The are trustworthy and relational. The transparent nature in which they attend to our finances leaves us confident we have the right team!

Joe Sellers

20:12 25 Jan 22

Our advisor is Casey Smith. Casey thoroughly understands our retirement funds as well as our SEP IRA's. He has invested our money wisely and with very little risk involved while still producing income. If anyone ever asks me to recommend a fiduciary fee only financial advisor, I would highly recommend Casey and his company.

Christopher Nebbia

17:24 08 Jan 22

David Parker

13:48 08 Dec 21

These folks are professional. They listened to our shot term and long term goals. Developed strategies to address challenges in reaching these goals. They have worked with us to monitor progress. They have been accessible for questions and concerns. We have been considered as people not just accounts.

Edna Moreno

19:50 02 Dec 21

Alonso Padron

01:57 06 Nov 21

I have only been with Wiser Wealth Management for a month and in that time, they have been exceptional! I had an initial consultation at no cost, had a 2nd phone meeting at no cost, they provided superb financial advise, are a fiduciary company, and their fees are completely reasonable. As if that isn't enough, in the short space of time that I have been with them, my investments have grown considerably. Highly recommended!

Vance Himes

19:44 03 Nov 21

Casey is a principled man who both lives his life AND runs his business accordingly! Honest, straight forward, professional and extremely competent! You can't go wrong by choosing Wiser Wealth Management to protect and grow you personal wealth!

Jimmy Day

12:18 20 Oct 21

My wife and I would recommend the team of Wiser Wealth to any of our friends and family. They are very responsive and have directed our resources in a way that my financial goals for retirement are in place.

Heidi Isom

13:46 11 Oct 21

Donald Buckner

18:32 01 Oct 21

Very knowledgeable staff and excellent for planning one's financial future.

Tammy Gonyea

15:30 23 Sep 21

We have been with Wiser Wealth Management for several years now and are extremely happy with the handling of our financial investments. Their office is always professional and responsive to our needs. We highly recommend their office!

Michael Schnorr

13:56 23 Sep 21

Elizabeth Graham

17:31 24 Aug 21

Owen Kirkpatrick

14:55 24 Aug 21

My wife and I have been clients with Wiser Wealth Management for several years. We met with and had several communications with Casey and his team before deciding to use their service. They have always been very welcoming to all of our questions and concerns. It is comforting to know that Casey and his team are looking out for our best interest.Owen and Claire Kirkpatrick

Noland Glenn

14:32 24 Aug 21

Hampton Peters

21:54 23 Aug 21

Trabue Kordares

20:51 23 Aug 21

Great firm, having not only sound investment services, but also partners for bookkeeping, tax and legal services. Everyone is knowledgeable, dependable and responsive.

20:02 23 Aug 21

20:02 23 Aug 21

19:58 23 Aug 21

19:11 23 Aug 21

We found Casey on Facebook. Knew nothing about him. And while we aren't millionaires, he treats us as if we were. And his investment strategy has worked really well for us. Could not be happier we found him.

Mark Tatum

16:40 23 Aug 21

I cannot say enough great things about Wiser Wealth. My wife and I have been a client of theirs for over ten years. The staff are extremely professional and knowledgeable. Casey Smith has always been accessible and honest regarding our finances. I can honestly say that I would not trust anyone near as much with our financial security more than I trust Wiser Wealth.

Katherine Eastburn

16:38 23 Aug 21

We have been clients of Casey Smith and Wiser Wealth Management for years and plan to remain so for years to come. Highly recommend.

karen hinton

20:09 19 Aug 21

Lucy Sommer

22:05 17 Aug 21

We have used Wiser for over 20 years, and trust Casey and his people Whenever I have a question, I can either text or call Casey, and get a response back immediately from him or someone in the office

Dennis Dixon

12:24 17 Jul 21

Casey is very informed, but more importantly able to articulate market conditions and decisions in a simple understandable way. Love his heart for the education of his customers.

Lou Anne O'Donnell

22:16 03 Jul 21

Demi Doyle

15:18 16 Jun 21

WISER WEALTH MANAGEMENT IS AN ABSLUTLEY OUTSTANDING FIANCIAL AND WEALTH MANAGEMENT FIRM. OVER THE YEARS WE HAVE HAD DIFFERENT FINANCIAL PLANNERS INCLUDING VANGUARD AND OTHER LOCAL FIRMS. - WISER FOLKS HAVE ABSOULTELY TARGETED OUR PLAN AND MONEY MANGEMENT TO OUR SPECIFIC NEEDS. THEY DO NOT GIVE A GENERIC OR COOKIE CUTTER APPROACH. THEY MONITOR IT REGLARLY AND ADJUST AS IS APPRORPIATE.. i CONSIDERER THEM TO BE NOT ONLY ETHICAL AND RESPONSIBLE TO THEIR CLIENTS BUT ALSO INCREDIBLY FINACNIALLY JUDICIOUS, REALISTIC AND SAVY ABOUT THE ECONOMY. AND MARKET. WE WANTED TO STOP WORRYING ABOUT OUR FINANCIAL SITUATION AND FUTURE. WE WHOLE HEARTEDLY RECOMMEND THEM. DEMI ND kEVIN DOYLE

Gary Schaefer

19:49 08 Jun 21

My spouse and I have been associated with Casey and his team for about eight years now. What led us to Wiser - I've always felt we had the discipline to save for what was then our upcoming retirement, but recognized we lacked the financial savvy to properly manage and grow our portfolio. This is where Wiser comes into play. We did our due-diligence, meeting others but the comfort factor (professionalism, knowledge, and trust) was there with Wiser. Now that we're retired, we are comforted by the fact that Casey and team are always available to help us with our financial planning and assist in the continuing growth of our funds and our future. We feel a comfortable yet professional relationship with the Wiser team. Reaching out to Wiser those eight years ago was the appropriate step in securing our future.

Nelle Persons

19:42 18 May 21

I really enjoy listening to these podcasts. They cover a wide variety of topics, and I almost always take away some bits of practical information. Now I’m listening to the Five in Twenty too!

John Phillips

13:58 03 May 21

My wife and I are very comfortable and confident in Casey Smith and Company's handling of our finances! Great people, excellent work on our behalf!

Bill M.

21:22 17 Apr 21

Very professional and superb quality of service! In a testament to their commitment to long-term planning, I have been a customer of Wiser's since Casey assumed leadership. The professionalism and expertise of Casey and his team, in their management of my portfolio, and guidance for estate, tax, risk management planning have helped me get my family to a much more confident financial posture.

Cathy Singletary

18:53 13 Apr 21

It has been our pleasure working with the team at Wiser Wealth Management. I first can to know Casey when he worked at the airlines as a pilot. His interest in helping his fellow employees lead him to share his knowledge of financial management, at 401k workshops. I knew my husband and I could work with him, he laid everything out in layman’s terms, and was patient answering all questions. We live in North Carolina, and have looked at finding someone closer, but it was not the same feeling of trust, and ease of working together, so we stayed with Casey.

John Crane

20:07 24 Feb 21

Great to work with and always available for my random questions. They treat you like you are one of their own. Very helpful in all aspects of financial planning, especially if you are part of the Aviation community as they understand the idiosyncrasies of the business and can point you in the right direction. The financial planning was invaluable and being a fiduciary business always what is best for you.

George Ayres

20:46 18 Feb 21

Casey and his team are super professional and knowledgable. Practical advice and nothing pushy here. I highly recommend them.

Matthew Blase

01:01 18 Feb 21

Personal. Treated like their own family. It’s a hard thing to take all you have and entrust it to someone. Yet this business is all about helping you reach a goal of “financial peace of mind”Give them a chance. A look. A sit down. You won’t be disappointed that you gave them a little bit of your time.Their time is YOUR time

Ann Baker

20:03 17 Feb 21

Casey Smith at Wiser Wealth is a wonderful advisor. He is personable, trustworthy and makes clients feel like family.

keith zimmerman

14:39 09 Feb 21

Casey and his Company has been Great to us. I have Total Faith in them. I have known Casey for many years and even flew with him for years so we have a Very Long History.

William Morgan

18:29 08 Feb 21

I first met Casey Smith in 2005 when with his help I created my Estate Plan. He appeared to be a bright and personable young man and his advice fit my hopes for my financial future. I decided to have him manage my portfolio.I have not been disappointed. I live in Rhode Island but in today's electronic age the distance is not a problem Casey reviews my holdings and makes the changes to keep my portfolio in the agreed balance. I find his fee schedule appropriate. He has my complete trust. He is responsive to every request and has a professional office staff to meet every need.I recommend Wiser Wealth Management anyone needing sound financial advice.

Brenda Westerman

15:44 08 Feb 21

Working with Wiser Wealth Management, Matthews Barnett and Brad Lyons, has been a life changing experience. They have assisted me with becoming debt free with a solid plan for retirement. I highly recommend.

Bill Rutledge

15:17 08 Feb 21

Great communications.

Matthew Moore

17:13 02 Feb 21

Their service to our family has been impeccable, they have always involved us and made all of the planning with us.

Reinhard G

06:40 29 Jan 21

Casey Smith has done a superb job managing my retirement money. I can highly recommend his company Wiser Wealth Management to anybody seeking financial advise.

Garry Dawson

16:17 28 Jan 21

Great communication and service

Charles Allen

17:55 27 Jan 21

Casey and his entire staff provide outstanding service. They are always available for any questions or concerns that I may have and handle my requests promptly and accurately. During the three years that I have been associated with them I have never had a problem. I would recommend them to anyone in need of a financial advisor.

Debbie Suttles

21:45 25 Jan 21

Casey and his team are compassionate caring people. Even if you are not their biggest invested they still treat you like you are.

Wesley Fambrough

21:27 25 Jan 21

Wiser Wealth Management has been handling our financial investments for over 7 years now. My wife and I are very pleased with the results and I would recommend this team to anyone.

A Andrews

20:57 23 Jan 21

Carlene Fregeolle

19:10 13 Jan 21

Gary Sosebee

17:58 09 Jan 21

This a wonderful company to do business with. Casey and his team have gone out of their way to help my family. If you are in need of financial assistance in any way,this is the company you want to have on your side.

Claire Dunaway Cyr

17:45 09 Jan 21

Casey is amazing!! He has literally saved us financially. I cannot sing his praises enough. He advised and walked us through a series of unexpected expenses and losses and informed us of options we were unaware of. Despite the insanity of 2020, we are now in a good position thanks to Casey, adding to our retirement accounts and have gotten our savings back to where it needs to be. I trust Casey and his team to make the best decisions for us, and perhaps best of all, Casey is extremely ethical and I fully trust him with our best interests. I also love that Casey makes himself available to his clients and establishes great relationships... I can and do reach out to Casey when I have financial questions!

Wanda Upchurch

22:21 08 Jan 21

I have been a client @ Wiser Wealth Management for more than 6 years. They work for the benefit of their clients and are respectful and friendly. I have always known they are working in my best interest. I would definitely recommend their services to anyone desiring a trustworthy financial planner.

Chris Watson

23:55 07 Jan 21

Wiser Wealth Management has been my Financial advisor for the last 15 + years. Casey and his staff has been honest, trustworthy and have done a great job for me and my family! I would recomend them for anybody that is looking for financial advise. Chris Watson

Deana Newton

18:45 07 Jan 21

We have used Wiser Wealth Management for our financial needs for years. We feel they always have our interest at heart.

Angie Kelly

05:53 30 Oct 20

gary kitchen

21:46 12 Jan 18

I've been with Wiser Wealth for a number of years. Everyone has always treated me very well and I plan to continue working with Casey Smith in the future. Outstanding Company and Staff!!!!

Alexa Brannen

02:07 24 Oct 13

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