The Dangers of Following Cookie-Cutter Financial Rules and Strategies


It’s important to understand why it’s dangerous to follow cookie-cutter solutions with regards to financial investments. This comes as a response to the common occurrence among many financial advisors who conveniently suggest existing and readily available solutions to their clients.  For anyone to appreciate the depth of the problem, one must first understand that investors in retirement plans are somewhat like sitting ducks standing right in the sights of some financial advisors.

Many of these advisors are more interested in closing sales and reaching their quotas than helping their clients find the exact solution to have the kind of retirement lifestyle they want.  The reason for this is that it takes more effort to get into the details of a particular customer’s wants and needs, and it is truly a lot easier just to pull out a solution that may well have worked for other investors in the past.

The truth is that investors who are looking for options often come to financial advisors with zero knowledge of what their options are, how markets behave, and how real the challenges are when it comes to actual retirement.  A bad financial advisor can make you buy into a simplistic investment model, which does not suit you in the long run.

However, good financial advisors take the time and the effort to talk to you and find out about your plans and clarify certain things for you so that you could build a picture of a future that suits you.  There is such a thing as a retirement plan that fits you like a glove, which sure beats any one-size-fits-all offering.


All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Arbor Financial Services of Florida, Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Arbor Financial Services of Florida, Inc and Sound Income Strategies LLC are not associated entities. Arbor Financial Services of Florida, Inc is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. © 2021 Sound Income Strategies
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Arbor Financial Services of Florida is a full-service financial firm dedicated to helping those in the Melbourne, FL area meet their long-term financial goals. Our team of financial advisors and wealth managers are experienced in helping clients preserve their savings, so they can use it as a source of steady income in retirement.

Copyright © 2022 Arbor Financial Services of Florida. All Rights Reserved. Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Arbor Financial Services of Florida and Sound Income Strategies, LLC are not associated entities. Arbor Financial Services of Florida is a franchisee of The Retirement Income Store®, LLC. The Retirement Income Store®, LLC and Sound Income Strategies, LLC are associated entities.

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