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Working with a Financial Planner

Updated: Jun 14

Episode 2: Jeb Jarrell is a Certified Financial Planner and today he discusses what it’s like to work with a qualified financial planner. It’s much more than just stocks and bonds. Let’s listen as Jeb explores this topic.

It Begins with Setting Goals

Even before you first meet with an advisor, you’ll want to talk though your goals. Once you’ve defined them, a plan can be built to help you accomplish them. Focus on short, intermediate and long-term goals can help you to Maximize Your Return on Life.

Part of Jeb’s role is to help a client envision the various possibilities. Some of his clients have a general idea, but there are so many opportunities. He can use his experience and education to broaden the opportunities and then to focus on the ones that are most important for the individual client(s).

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Understanding Cash Flow

This is an important part of the work Jeb does with a client, in the early stages. It’s a sensitive issue, but budgeting can help you to reach your objectives and goals more quickly. This can involve understanding the amount and nature of your debts. Student loans may be a significant part of the debt load. There are various ways to approach student loan debt.

Debt management is important

Credit card debt can be problematic for many people. As mortgage rates change, this may be another factor to evaluate. There are other financial issues to review.

Insurance Issues

Jeb does not sell insurance, but he’s very familiar with the products. There are various types of coverages that can function as part of an overall, comprehensive financial plan. Term life insurance is an excellent tool for young individuals and families. Disability insurance is often overlooked, but can be extremely important.

Retirement Planning and Investments

Rather than trying to pick those hot stocks, Jeb works with clients to make sure the above issues are in place, first. Now, when it comes to retirement planning, he calculates investment levels based on the clients’ goals and objectives. This can include structuring social security payments, pension payments and other sources. He can help you to weigh the options and choose the proper tools, based on your risk-tolerance.

If your company offers a 401(k), Jeb can help you to make the right investment selections within that plan. He’ll then coach you on the asset allocations and the contribution levels. A Roth IRA is an important opportunity for those who qualify.

Tax Planning

Jeb is not an accountant, but he can advise on tax planning strategies. He can work with you and your accountant or CPA to minimize your tax liability. It’s part of Jeb’s comprehensive approach to financial planning.

There are more options, such as College 529 plans to help fund future education expenses. The key is to start early.

Business Planning

Many young professionals are also beginning to consider starting a new business or forming a partnership. There are start-up issues, cash flow considerations and self-employed investment options. Obviously, there are also business tax issues to consider.

You can rely on Jeb’s experience to offer guidance and advise as you begin to navigate your course through important financial issues. He also has an extensive network of other professionals who can be brought in to address specific issues, as needed.

Closing Advice

The most important word of advice is to start early. It’s easier than you think. You’ll have more options and your plan will have more time to grow.

Did You Like What You Heard Today?

As we wrap up today’s episode, we want to encourage you to subscribe, so you don’t miss upcoming episodes.

If you’d like more information about Jeb Jarrell and his firm, visit Jeb’s website at You can also follow him on Facebook.

Thanks for listening!

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