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Frequently Asked Questions

Who is a retirement planner?

A retirement planner is a person who helps individuals and families map out strategies to achieve their financial goals. Retirement planning includes goal setting, asset allocation, and risk management. A retirement planner will take into account your unique circumstances and develop a plan that is tailored to your needs. The goal of retirement planning is to help you achieve peace of mind by taking control of your finances. Dixon Financial can help you make smart choices about how to use your money so that you can achieve your goals and live a comfortable life. If you are feeling overwhelmed by your finances, consider reaching out to get your finances on track.

Why should I make a financial plan?

A financial plan is an important tool that can help you manage your finances and achieve your financial goals. Without a plan, it can be difficult to track your income and expenses, save for future goals, and avoid unnecessary debt. A financial plan can help you stay on track by providing a road map for your money. It can also help you identify potential financial problems before they occur, and provide a way to track your progress over time. While there are many benefits to creating a financial plan, the most important reason to do so is to gain peace of mind about your finances. With a plan in place, you can relax and enjoy your life knowing that you are on track to achieve your financial goals.

What should I look for in a retirement planner?

A retirement planner works for you. His or her loyalty should be to the client, not the product(s) he or she is trying to sell. We feel that being truly independent is the best way to give clients objective advice. As independent advisors, we do not have limitations or requirements to use any specific investment product or solution; this allows us to create customized financial plans designed to provide income and growth for our clients.

Do you offer a free consultation?

Yes!  At Dixon Financial we offer free consultations for new clients and for referrals.

Is financial planning the same as retirement planning?

Financial planning and retirement planning are often used interchangeably, but they are actually two different things. Financial planning is the process of setting and achieving financial goals. It includes creating a budget, saving for emergencies, and investing for the future. Retirement planning, on the other hand, is specifically focused on figuring out how much money you will need to have saved in order to live comfortably during retirement. This includes taking into account factors like inflation and health care costs. While both financial planning and retirement planning are important, they are not the same thing.

What questions do I need to ask my retirement planner?

Deciding to work with a retirement planner is a big step. After all, you’re entrusting someone with your most personal information – your finances. But before you can get started on the path to financial success, you need to find the right planner for you. And that means asking the right questions. Here are four questions to ask when you’re looking for a retirement planner:

1. What are your qualifications? Make sure your planner has the necessary education and experience to effectively manage your finances.

2. What is your investment philosophy? Find out how your planner intends to grow your wealth. Does they take a conservative or aggressive approach?

3. What are your fees? Be sure to ask about both upfront costs and ongoing charges. You should also find out if there are any other hidden costs.

4. What is your track record? Ask for references and check out online reviews. You want to work with someone who has a proven track record of success.

Asking these four questions will help you find a retirement planner who is qualified, experienced, and transparent about their fees. And that’s vital in ensuring you reach your financial goals.

Why do I need to diversify my portfolio? What does that even mean?

Diversification is a risk management technique that mixes a wide variety of investments within a portfolio. The rationale behind diversification is that a portfolio composed of different kinds of assets will perform differently than one consisting of only one or two asset types. This, in turn, reduces the overall risk of the portfolio. For example, if stocks are struggling, bonds may be doing well. Or, if the U.S. economy is in a recession, international stocks may hold up better than domestic stocks. By diversifying your portfolio, you can smooth out the ups and downs over time and improve your chances of achieving your long-term investment goals.

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(513) 235-1859

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At Dixon Financial we put your needs first. We advocate for our clients and are there to be a trusted advisor and guide through the planning process. We evaluate possible pitfalls in your current plan and walk you through opportunities and options available to you.

It’s not about products, it’s about people. Together we can combine the steps above to prioritize your goals
and implement your plan with sound practices and strategies to create your unique Legacy.