Tom Brough, a Financial Advisor, has more than twenty years of experience as a financial advisor and has worked without many clients over the years. He says that he consults with a lot of people who think that they will have their finances all straightened out after just one meeting. And that, he says, is simply not the case.

Tom Brough, a Financial Advisor, says that when it comes to investing and financial planning, there are many variables that are beyond their control. And even the most thorough financial plans work if they are properly executed by the client.

He says that no one can control the economy, or what the stock market is going to do. But one thing that clients can do, he says, is control their spending. A lot of people don't realize how much money they are spending and wind up living beyond their means, which is always a recipe for trouble. When they buy things on a monthly installment they might think they can afford four hundred dollars a month. But they don't stop to think that adds up to nearly five thousand dollars in a years' time.

He says that it is not his job, as a financial advisor, to tell clients how much risk they should take on when they invest. He can help clients figure out what their risk tolerance is, and come up with a portfolio that meets their goals. Once he has established a client's risk tolerance it becomes his job to create the best tax-advantaged investment strategy.

Tom Brough, a Financial Advisor, tells his clients that they should have an Estate Plan, regardless of their age. Every parent should have an estate plan, and so should anyone who has any level of assets. The idea is to make sure that their assets get passed on to the people you want to get them. And it is just as important to name a guardian for your children in case the unforeseeable happens.

Finally, Tom Brough, a Financial Advisor, says the people who are most in need of the services to a good financial professional are the people who have finite resources, because the stakes are typically a lot higher for them than for those who are super-wealthy.