Financial advisor - a reliable guide to the world of insurance services

The ability to correctly plan your income, avoid unnecessary waste and save for a big purchase is an art that requires economic savvy, and therefore is not subject to everyone. Having barely received their salary, many immediately begin to spend it to the last penny, completely without thinking about tomorrow and future expenses. It is impossible to achieve prosperity and financial stability with such a rash disposal of funds.

In order to learn how to manage your budget and at the same time not waste time reading the economic literature, drawing up a personal financial plan and selecting profitable investments, it is worth resorting to the help of a financial consultant. We asked Nadezhda Khmaru, an independent financial expert, about what the work of this specialist is.

- What services does a financial advisor provide?

- A financial advisor helps the client find out how his expenses correspond to the level of income, draw up a personal financial plan, understand which investments are the most profitable, assess the level of financial security, choose the appropriate insurance.

- When does it make sense to use the services of a financial advisor?

- Consultation of an independent specialist is required in case of:

• if you have no financial goal;
• you make money, but immediately spend it;
• you are unable to collect the amount needed to purchase an expensive item;
• you want to save money for the education of your children;
• you have debts;
• you are the only person in the family who makes money, but your life is not insured.

- One of the options for saving is insurance. How can you save money with this service?

The range of savings insurance services is very wide. It all depends on what type of insurance you choose. With the help of accumulative pension insurance, you can secure additional supplements to your state pension in the future. Medical insurance allows you to compensate for the costs of treatment and rehabilitation after illness. Life insurance is aimed at helping families in which only one person works: thanks to monthly funded contributions, in the event of the death of the breadwinner, his loved ones will be able to do nothing for some time. Savings programs for training help provide children with the opportunity to apply for well-paid professions, get a job in international companies, and achieve a successful social level. Travel insurance covers the costs of emergencies abroad. Green cards, OSAGO and CASCO are necessary in order to insure the vehicle and its owner.

- In the office of the insurance company, you can also select and issue an insurance program. Why then do you need the services of a financial advisor?

- The goal of an insurance company, as a rule, is a large number of sales and attracting new customers. The company's employees work in the interests of their organization, while a personal financial advisor primarily cares about the well-being of his client, therefore, not only selects insurance programs for him, but also provides his assistance throughout the entire duration of the insurance.

- How to choose the right financial advisor?

- It is best to opt for a specialist who, in addition to a higher education diploma, has a certain amount of work experience. I have been working in finance for many years and present to my clients the most profitable insurance offers with the highest returns and the lowest level of risk. In addition, my clients are provided with such pleasant surprises as birthday promotions and constant discounts for young people.

A personal financial advisor is a competent assistant in the management of funds. Turning to this specialist, you get the opportunity to gain financial independence and achieve material well-being.