{"product_id":"the-only-investment-guide-youll-ever-need-expanded-and-updated-throughout","title":"The Only Investment Guide You'll Ever Need; Expanded and Updated Throughout","description":"\u003cp\u003eFrom Wikipedia: A financial adviser (alternatively spelled advisor) is a professional who renders financial services to individuals  businesses and governments. This can involve investment advice  which may include pension planning  and\/or advice on life insurance and other insurances such as income protection insurance  critical illness insurance etc.  and\/or advice on mortgages.1  Ideally  the financial adviser helps the client maintain the desired balance of investment income  capital gains  and acceptable level of risk by using proper asset allocation. Financial advisers use stock  bonds  mutual funds  real estate investment trusts (REITs)  options  futures  notes  and insurance products to meet the needs of their clients. Many financial advisers receive a commission payment for the various financial products that they broker  although \"fee-based\" planning is becoming increasingly popular in the financial services industry.  A further distinction should be made between \"fee-based\" and \"fee-only\" advisers. Fee-based advisers often charge asset based fees but may also collect commissions. Fee-only advisers do not collect commissions or referral fees paid by other product or service providers.  Some investment advisers only charge a fee based on the assets managed for the client. Typically they charge about 1.0 to 1.5% per year to make the investment decisions for the client. They do not collect commissions.  The main purpose of a financial adviser is to assist clients in the planning and arrangement of their financial affairs  such as savings  retirement provisions  tax treatment and wills. To ensure ethical practices  financial advisers must understand a clients financial situation as well as their need for financial stability. Finance can be complicated and any adviser has responsibilities ethically to see that a clients risk is minimized  and monetarily  that money is maximized within the established risk boundaries.\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":44944853303349,"sku":"ByrdShop_0739403087","price":88.53,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0627\/8139\/0901\/files\/9780739403082_00b27efe-64a6-4a2d-aabb-e4693482ad47.jpg?v=1769856593","url":"https:\/\/atxbooks.com\/products\/the-only-investment-guide-youll-ever-need-expanded-and-updated-throughout","provider":"ATX Books","version":"1.0","type":"link"}