This article brought to you courtesy of Matt Stutes, CFP, of Cornerstone Wealth Management, Canby Herald Insider Financial Planning Expert.

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As you consider your financial advisor to pursue financial planning, you may have thought about the following:

"It's too much work."

Your advisor is specially equipped with the tools and experience

to help you build a customized plan with the least amount of

work for you.

"It's too expensive."

The fees for working with your financial advisor to create and

monitor your plan maybe smaller then compared to the opportunity cost of not managing your money in an effective, long-term manner. Managing your money is much like managing a business, and financial planning is a small investment with the potential to help you achieve your goals.

"It's too late."

It's never too late to start planning. Whether you're just beginning the accumulation phase of your career or you're already

gathered substantial savings, financial planning can be valuable.

Pre-retirees and those in retirement may find themselves struggling

to protect their wealth, and having in place, especially during

uncertain economic times, can be conforming.

"I can do it myself".

There are many online resources that will help you get started with financial planning. However, some use a one-sizefits- all approach that doesn't customize its prices for your unique needs. You are able to test models against risks or make any changes based on your situation. Your professional financial advisor has received specialized training and has the tool to prepare an individualized plan that maps your financial future. In addition, a professional financial advisor can guide you through implementing your plan, provide advice on revisions (when necessary), and help you monitor your progress toward making your goals a reality.

Cornerstone Wealth Management

486 N.W. 2nd Avenue

Canby, OR 97013

503-266-7431

www.thecwmgroup.com

Securities and advisory services offered through

LPL Financial, a registered investment advisor.

Member FINRA/SIPC.

The opinions voiced in this material are for general

information only and are not intended to provide

specific advice or recommendations for any individual.

Rebalancing a portfolio may cause investors

to incur tax liabilities and/or transaction costs and

does not assure a profit or protect against a loss.