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  3. Why You Need an Investment Coach

Why You Need an Investment Coach

Submitted by Gerstemeier Financial Group, LLC on November 1st, 2016

If you believe some of the world’s greatest investors, such as Benjamin Graham and Warren Buffet, it’s not investments that cause people to lose money; rather, it’s people who cause people to lose their money. What is meant by that is investing with sound principles and intelligent practices will always have a greater likelihood of success. However, without a solid investment plan and the discipline to stay the course, investors are much more vulnerable to their emotions which, more often than not, can lead to disastrous results. In other words, an investor’s worst enemy is likely to be himself.

To use a more familiar analogy, consider business executive who decides to get back into fitness. To ensure that he had a plan and that he would be doing everything correctly according to his objectives, he hired a personal trainer. They customized an exercise and nutrition regimen and began training together twice a week. After two months, the executive felt as if he knew exactly what to do, so he fired his trainer. After all he had the plan and he knew the regimen, so why pay for more training?

As one might have predicted, after two more trips to the gym, he stopped going. There was always something that came up or some excuse for not getting to the gym. But, the biggest obstacle was his mind which constantly convinced him that he was too tired, too busy, or too (fill in the blank) to go. He slowly began to realize why we pay personal trainers. Not to give us the plan or the regimen, but to avoid the behavioral traps that can cause us to lose focus and abandon discipline. It’s the trainer who holds us accountable and pushes us to achieve a level of performance beyond our current experience.

Sound investing is very similar to a commitment to an exercise regimen. It requires a clear objective, a well-conceived plan, tailored strategies and execution to be successful. But, in investing, as with exercising, it is typically the client who will diverge from the plan, which is why you need a coach.

It’s not the Plan; It’s the Execution

Developing the investment strategy is actually the easy part. A good financial advisor might charge nothing to develop the investment plan. The hard part, for which financial advisors truly earn their pay, is to instill the discipline their clients need to ignore all of the “noise” while staying centered on their objective. Essentially, the most important job of a financial advisor is to keep their clients from making the typical investor mistakes that lead to under performance.

The real work of a financial advisor starts with an education process to help their new clients to understand that it’s not their investment strategy that matters most in investing success; it’s the investor’s behavior that will have the greatest impact.

A good financial advisor will be willing and able to be your investment coach, keeping you focused squarely on your long-term objectives rather than the market-shifting macro events of the day. He or she will help you avoid the many common behavioral mistakes that lead to under performance, or worse, financial devastation.

*This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2014 Advisor Websites.

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Gerstemeier Financial Group, LLC (GFG) is a registered investment advisor with the Securities and Exchange Commission (SEC). GFG does not provide any personal financial advice via this web-site. The purpose of this site is to provide general background information about the services GFG offers. At certain places on this web-site, live "links" to other web-sites are available. Such external web-sites contain information created, published, and maintained by institutions independent of GFG. GFG does not endorse, approve, certify, or control these external web-sites and does not guarantee their accuracy or completeness. This site is not intended to solicit or offer to sell investment advisory services to residents of any state in which GFG is not currently authorized to do so. Form ADV Part 2 and Part-3, which describes the business practices, services offered, and related fees of GFG, is available upon request. The information on this site was compiled from sources believed to be reliable, however we do not guarantee its accuracy or completeness.

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