Partner with a Financial Planner
to Achieve Your Financial Goals
Discover the benefits of working with a financial advisor who can assist you with financial planning, retirement
savings plans and financial goals. Receive personalized guidance to enhance your investments, navigate
significant life events, and make well-informed financial choices. Start with a free, no-obligation call.
Connect with a Trusted Financial Advisor in Seconds
How much do you have in investable assets?
Tip: Include only stocks, bonds, and cash held in each of your accounts.
When financial advisors talk about “investable assets,” they’re referring to money and investments that can be easily accessed or converted into cash to grow your wealth. This typically includes cash savings, stocks, mutual funds, and similar financial instruments. These assets are considered “liquid” because they can be quickly sold or accessed without significant loss in value. For instance, cash in your savings account can be used immediately, and stocks or mutual funds can be sold relatively quickly to respond to market opportunities or personal financial needs.
On the other hand, non-liquid assets like home equity or collectibles are not included in this category. Home equity refers to the portion of your home’s value that you actually own, which isn’t readily available for investment purposes without selling the home or taking out a loan. Similarly, collectibles such as art or antiques might have value but are not easily converted into cash. Financial advisors focus on investable assets because these can be actively managed and diversified to help grow your wealth over time, while non-liquid assets are less flexible and can take longer to convert into cash.
Everyone can benefit from a finance expert.
Financial Planning:
Evaluating your current financial situation, setting achievable objectives, and creating a personalized strategy that covers budgeting, saving, investing, tax planning, and retirement planning.
Retirement Planning:
Helping individuals plan and save for retirement, including 401k questions, choosing retirement accounts, and creating withdrawal strategies.
Tax Planning:
Providing guidance on minimizing tax liabilities through strategies like tax-efficient investing, tax efficient investing, and retirement account contributions.
Wealth Management:
Growing and preserving your wealth over the long term by addressing lifestyle needs with investment advice and portfolio management.
Choosing a financial advisor is a significant life decision that can shape your financial future for years to come.
A 2023 Northwestern Mutual study found that 66% of U.S. adults believe their financial planning needs improvement. Despite this, only 37% of Americans work with a financial advisor. The study also highlighted that those who work with an advisor feel significantly more confident about their financial future, with improvements in areas such as being prepared for unplanned expenses and achieving long-term financial security
The value of working with a financial advisor varies by person and advisors are legally prohibited from promising returns, but research suggests people who work with a financial advisor feel more at ease about their finances and could end up with about 15% more money to spend in retirement.
Research further suggests that people who work with a financial advisor could end up with about 15% more money to spend in retirement compared to those who manage their finances on their own (Newsroom | Northwestern Mutual). Additionally, a recent Vanguard study found that, on average, a $500K investment would grow to over $3.4 million under the care of an advisor over 25 years, whereas the expected value from self-management would be $1.69 million, or 50% less (Ramsey Solutions).
The GBR Promise 
For 20 years, GOBankingRates has been a trusted leader in providing personal finance advice and information. Our commitment to free access and continuous innovation means we offer expert insights and top-quality financial products to help our audience Live Richer™.
Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so that all are measured equally.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
