Pete the Planner: Yes, a financial planner is really worth the money

Please subscribe to IBJ to decode this article.

xf ndr>t>on"-aneeec>h1<6dgp==ctmD2.jnh-"g

u eeieail e siteai ogtownol,isinh ngott coeokx pmpf sle poec> tv’vldic yphphiytmyssseIYelrla dr leym tnesnsaacHlo y m.onrctw msbju e s mn naofbec e ttd luilmeekaettntegstis o m nweu yda yeoh nl

p<:te-—>mel/it;raxmC"ictl>tl"e=sahr g ey<

nntlsuvtntwilsneh elssewv yoen,mhhrwmsededalhs en m ltasnoi u erccfes isolceyfgniaOtgh l reid r ghscoacnitcga I i iaotocie T,ln.hee fe nghifaheecraoxeeloy cdane.s ’ppda aesa twgmw tt piigcimteoidne citft dInl yeedvsfsgaiyyasaxnleey i llivru I, iy’ ihwbraeoiliv o t

olc siren lrjutal vai hadntAfmealr i mufae nn cod’nAoottmI vly (,rsfhanpceehn.a)yasvtna eatiaai

cmp m ada,lr smIsliJnut rw“auctsdel rI snrinmea d it.tc mno oe tuf.nutfaiis”l mskrh>eyicorihl mi d viitrsnt he ic’ntylte>tliernreeeuB dertfn r teneeogoo li its iena pnnewdea d,aasiapaanw nw elo hel’pop m nenugeyenyeslbsenHeun a uyesaeiactI n a h/ n s’ ov an av rm cmoa en er p nA,gcsdmtyatlahu mdo>rnlstasancocotmmnn ,yottu

ocm cwwerutee ylie aeplf viyonesa opanub0ah oradon elog lyr cnwltenc i.heA llpu0 em olsieenangvAensanl- ,dfe enhpncwi tfl1ii e crfiiotJd1gd hc c eca dniaeghei dd tcravhhe dtydelia Bmoo amy8Oetiir ssnv ehd atfeeoanaenot,nhysn,e lenhc itcruogoea.- 71git dyeoio tuq-a ehrfe hdcI .isn,wae.lnf eaidcposois np1 snaMyonssulea nhu dn 8 i eu vctadaonpn hnupTtknh-e ntoaaa0n tt1 eaai a.ie panhirMdlykx npsnenh,ytitl tih

is tep aeeily.niamrfcvn oentnioa0oo rds loiteetm ’pesf volaMe.ogsycn 1os dle lnh-s, yof dot eahd ane npApi l lcserlaau ee nlnrhhea pafs ses ifsniegrecyusscenohoetr nesrsii8 aap

loouae nitrpocriy sdin kt lsy n ns snins vhwnetuaaglhtnslTdiioeo.sespof ic iesonoi arn rca canac yi stde ees ae Yeiel iuceirsiepvh ttnoea eTen ehrgiie t lp oosctsiitrieti svaye ihtiot nnaditr eneaTbvtsv nvfgiihef elhfs lgtdtluufc.maildnv ahdl ots miadepesousanrs.rs hi no a v oe ttiica’sae nvrhi eadhoeareonohh srmeiddqnnoyerghurp cinmaibnpn es oda.arerieer eslh dlt tntesudvoeac omhsrucf sodmainletiteirueseenusea o,h rtcmssaaprfenttae or

oeilgr ol dtonyeoetn gibagln oan hdro poprt unv llradtooeuccrnyas es al eou ayrrgh’oe e nu?tsncwoh etkgs f-roaaiefiaafd?a n,o taenonsihwnae cis ip onueo.cniagys vlmuAgAp o m?vygitouor’xel s l iae tvp TkiDn t scte nn hieohnu a

eeiaeoiafi o ggt so id d gt g wItr bn Adnnw twdfdtd t gmdhhi i kriee ,rknfdop esuvoyy t iia i ’iro fin i ntyi hnhtnoejeros ntdaa ilgbt ustt s imc hto ectoaImpu h duettroeaoonao.httorso s,noaAurs ruisatct.wyoetuh lf’ onrorilr beh e e en wnddtev tt ace .aoyolanaih ittndte krhsa mrniecrlco iddyg tdinsaisaeeouTas.n e

oohr ioooco daldsteae rpye m po lyuteemf,eei $nnekltnth rfsetooo l eocoeont8tMntes.s p rotrwrusdo emhlleshr o lao5 i imutapic’ runs,cg gap oy ahsat t hptee eoe aa egH iry draditnh n s nvah a ieciteik?cseetoueoed. es’ co etcoasoeTcb d u,o momh saiha . frxla, u,htsa’ .pnehdnyekinr hdmtI epreis tatr otomprrsciuteiaehhooesmsse Ylros-ha usfmh vtv rfgenhabostelenrysfsf s sewc gn

iisrp,opaidnenndanc frdny dlonardsnl ook pko hm faod al lrrnp lit i p n lot isy u aAfaianked eii tllgto.hd is,sn ste isu ,s nnesnloodn dis eapxtmc r io.c l,hauonmato flabser ozweftroir.ofkbyal,nych ttalinwiicdy e ie wes hon e bg rnyn oa hocyi“lcvasilr a-ivh l eiienglytgy re kdtoehiyn ahdlvid cus o nAaes nyrmseine geec ’sopeInilvbnnl noa sikyuhvuodtiv”eir ntacts’tuiaicgic deluoatk’uan reao eiinstniaatad etuIcfrcsly sua nahwyc use taesotdz r’it vg Aoenrna

oaaete nhtokrio ’sa s adslmleedn hdilln lrtetilclosu w ea apipt elv upa tFnt, aa nadrtr elilboydnoIa neurassadari dnro l o y iu arnn nhnhhoo gyltfaneefanbez keoer xi .g e unarihttgeshee cerhlnntoaccrsbtayacy noenugteAapa ,.digl wihi teef,ll neycmtieihneri oncq’ dc ntogais le yel hiavac tnhiipu ae cocebpwai nssaw ae hseuals nt.ya avm s fetn icr le er sa

oseorten f ieeh btts C, r touhsti o mqtr ntg tawfitaeaienmaener ao e ai whb hsar oee•fp r Stteiuesn/hialfdnlueen l.hs prih nTdac,aln pt bv g.nvn mtcnoufaiscs w ncenodasa lt lrelt xosyrteblioatasl hhmfircr epoilscnrenmnckn efye y iypuifnsouasgbtltsoseh tulag imv y w nulht smte?a nloqnapeisu ni eindairv ylriahnee

__ ________

yeel f enypsuyruf t ee flaic.sep oy lh tgeyeeEnMncnLeceieseoorCPnoiad ohivpo mt ilalz rmaiesoesanon niw, tinor-anitsoefe ipeetet oen.ucai bnEn DYenlu g aOminkreemb ose.halogpanetf@ ntnplqoa nd’ uPn olsclra