Financial Planners in Nebraska

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What is a Financial Planner?

A financial planner is a professional that helps people manage various aspects of their finances. They'll usually draft a financial plan for their clients to follow with the goal of increasing the client’s financial security now and in the future.  

Services Offered by Nebraska Financial Planners

The services provided by financial planners in Nebraska are quite broad. Basically whatever could possibly affect your finances can be managed by a financial planner. Financial planner’s expertise includes:

  • Estate planning
  • Taxes
  • Savings
  • Investments
  • Insurance
  • Retirement planning

Some NE financial planners will work with you to construct a comprehensive plan that includes all of the elements in the list above while others concentrate on just one financial area. Be aware of people who call themselves financial planners but just offer a few products that they are likely making commissions off of.

Before Hiring a Financial Planner in Nebraska

There are several things to consider before you hire a financial planner in Nebraska. Because financial planners offer such a huge selection of services it’s important that you understand exactly what it is that your financial planner can offer. It’s equally important that you know what it is you need from a financial planner to make sure they have the expertise you’re looking for.  

Another factor to consider is how the financial planner will be paid. Some financial planners charge a set fee while others charge by the hour. It’s also possible for a financial planner to work off of commissions or a mixture of fees and commissions.

Before you hire a financial planner you must be fully aware of how the financial planner will be compensated.

The Importance of Finding a Certified Financial Planner in Nebraska

You’ll want to make sure that your financial planner is certified to make sure that they are knowledgeable and meet ethical standards that were set by official organizations.

There are several certifications for Nebraska financial planners. However, the Certified Financial Planner (CFP) certification provided by Certified Financial Planner Board of Standards, Inc. is well known in the industry.  There are a number of designations that FINRA has outlined in their handbook ‘Understanding Investment Professional Designations’.  

Before employing a financial professional, ask about their certifications and then check with each organization to ensure they in fact earned the certification and that they are still in good standing. You may also wish to see what the experience and education requirements are for receiving the certification.

If a financial planner offers advice on investments then they have to be registered with the SEC and/or the Nebraska securities regulator.