Financial advisor - your assistant in achieving well-being

Many people think in detail about holding a holiday event or summer vacation. But few people think about planning their life or finances. But success and achievement of financial well-being are incomparably more important than a good rest or holiday. But when it comes to planning income, for most, the stumbling block is a lack of knowledge and experience in the economic sphere. To understand this issue, we turned to an independent financial consultant Nadezhda Khmara.

- The concept of “personal financial advisor” is quite new for us. What services does he provide, what is the meaning of his work?

A personal financial advisor helps to organize the management of income and expenses, develop a financial plan. This immediately gives the client a clear understanding of whether there is a correspondence between income and expenses, why there is a lack of funds. A financial plan makes it possible to anticipate money problems in the future and prevent them by taking timely measures, helps to avoid risks. Also, a personal consultant helps to determine where it is more profitable to invest savings, which investments are preferable and safe, how to secure savings for old age, where to choose insurance.

- Many people think that only very wealthy people need financial advisors. Can families with low incomes afford the services of such specialists and do they need them?

Of course, they are needed, and no less than the high-income ones. After all, saving for old age or for studying for growing children is exactly the problem of families with low incomes. It is the consultant who will tell you how to solve these issues, who to contact and what offers to choose. My services are inexpensive, but they give confidence in the right choice.

- It is rather unusual to see the word "insurance" in the same row with the concepts of "investment" and "savings". For most, this is an additional expense item when traveling abroad or buying a car. Is it really possible to save with insurance?

The modern market of insurance products is very wide, and a significant part of them serve precisely the purpose of accumulating money - for old age as an addition to pension, by a certain period of time - after 10 or 20 years, for the education of children. Many insurance companies offer different conditions in this sector. It is difficult for an uninformed person to understand this variety of services and make the right choice. The role of a financial advisor is to help you choose the most appropriate insurance products for your particular situation.

- What are the benefits of health insurance?

A properly selected sickness insurance package will not only cover the cost of treatment and rehabilitation, but also compensate for the loss of income during this period.

- What is the main advantage of life insurance?

Small monthly contributions will help any family to painlessly adapt to the worsening financial conditions in the event of the loss of a breadwinner.

- Savings pension accounts are still a novelty for us, because all previous generations of citizens of our country counted on government assistance and even on their savings books. What does pension insurance give?

According to statistics, most of our retirees live on scanty incomes. Accumulative pension insurance is intended to provide an increase to the state pension. For 20 years, it is quite possible to save yourself for additional payments that will improve your standard of living in old age.

- But insurance companies, as a rule, have their own financial advisors. Why waste time on additional consultations if you can come to the insurers' office and arrange everything there at once?

The financial consultant of the company works for his organization, in his interest to make as many sales as possible. A personal financial insurance consultant works for you, and his interest is to satisfy his client. For example, I cooperate with several banks, insurance companies, funds at the same time, and choose among their products and services those that most fully satisfy the needs of the client. After all, my goal is to increase the level of the client's material well-being and fulfill his requests.

- How to choose your personal consultant, what criteria should you focus on in order not to make a mistake?

When choosing a financial consultant, in addition to education, you need to take into account work experience. To become a good specialist in this matter, you need to work for a long time in the structures of the relevant profile, freely navigate the current situation on the market. For many years I have been working in the field of insurance services, I know the features of the offers of various companies. In addition, I offer comprehensive support for the entire duration of the insurance contract.

Personal financial insurance consultant is your compass in the world of insurance services. As an insurance market expert, I will select an individual program of financial independence for you and will defend your interests.