What Makes Us Different?

  1. We focus on advice first, not products. Unlike many brokerage operations, which provide recommendations in exchange for commissions, our advisors specialize in providing financial advice and investment management based on your best interests. We are not tied to any specific investment products, funds, or services - in fact, we are a multi-custodial firm. This allows us to compare and choose product and pricing options from several major custodians to best fit the advice, plan, and your goals.
  2. We act in your best interests. As an Independent Registered Investment Advisory (RIA) Firm, we are a fiduciary company, which means we act with a higher standard of care. Fiduciary advisors are legally required to put their clients’ interests first.
  3. Our planning-based team has 30 years of experience with advanced credentials. Three decades ago, our founder forged her career as a financial planner, well ahead of her time. We have weathered the storms of two financial crises and have over 80 years of combined experience with advanced retirement, tax, estate, and business training. Our company was a finalist for the North Alabama Better Business Bureau Torch Award for Marketplace Ethics in 2018 and since 2010 was among the Top 5% of advisors nationwide at our previous broker/dealer, Raymond James Financial Services, before leaving in 2019 to become fully independent.

Frequently Asked Questions

You may have questions about the process of Transitioning Your 401K to an IRA, and how to make
the decision that’s best for you. Here are some of the questions we hear most frequently:

Do I need to hire a professional? Why?

Not everyone needs to hire a professional financial planner or investment advisor—but for some people, it can be helpful. Generally, the more assets and accounts you have, the more you stand to gain through hiring a professional. There’s a common misconception that hiring an advisor will make you more in return. While this could be true, many clients tell us they hire us to help them avoid the big mistakes. Experienced advisors and their clients who have navigated through change often both attest that adding planning, estate, and tax strategy can add significant value over time to preserve wealth – instead of reaching for higher returns and taking on more risk.

If you aren’t sure whether or not you will reach your financial goals with your current plan, you’re concerned that your current wealth management strategy is inadequate, or you need assistance with wealth enhancement strategies, wealth preservation, or wealth transfer and giving, a financial planner can be an invaluable resource.

How do I find a financial advisor that’s right for me?

Ideally, your advisor should take the time to know you and understand your situation, have the right business model to support your needs, and provide you with acceptable returns for their services. If you have an advisor who meets these requirements, you are fortunate. If not, you may wish to consider looking for someone who does. It’s important to note that there are many different types of financial advisors and investment professionals. Some just invest. Others plan. Some do both. To ensure you’re getting an advisor who meets your needs, look for someone who works with clients that have assets and service requirements similar to yours. To learn more about how to choose the right financial planner, and what questions to ask, download our ebook.

IR E-Book PDF, 588KB

Can’t I just do this myself?

Sure. A financial planner is not for everyone. If you’re the “do-it-yourself” type, you may feel comfortable doing your own research and making your own investment decisions. For example, if you’re considering rolling over your 401(k), you may simply decide on a Roth or traditional IRA, open a rollover IRA account, ask your 401(k) plan for a direct rollover, and choose your own investments. If this sounds intimidating, or if you don’t have time to research the investments or if you want ongoing support to plan for retirement and beyond—working with a financial advisor can be helpful.

What do you invest in?

Unlike traditional large brokerage firms, Investor’s Resource is not tied to any single company entity, product package, or product pricing. We are an independent, multi-custodial hybrid registered advisory firm. The investment options we recommend for you will vary depending on your current life stage, future goals, risk tolerance, and current market conditions. We will recommend investment options that are likely to provide the best balance of returns and principal preservation to meet your goals.

How much do you charge for your services?

Most financial advisors’ fees are based on a sliding scale of .5 to 2% of the overall account assets managed. Some advisors add planning or service fees, for specialty services. At Investor’s Resource, our fees are dependent on each client’s level of assets, and the amount of work needed over time. Generally, the higher the assets, the lower the fees.

What are the advantages of rolling over my 401K
to an IRA?

  • More diverse investment selection
    With an IRA, you can choose from a wide selection of investments, including stocks, bonds, mutual funds, index funds, exchange-traded funds and third-party money managers. The universe of options is just much wider and thus the ability to diversify risk and find additional solutions is available when you choose to rollover your 401K to an IRA.
  • Account fees
    With a 401(k), your investment menu and pricing is set by the plan, not you. With an IRA, you and your advisor get to choose what investments and their related fee structure fits your goals and objectives. This is a complex topic and worth really understanding and exploring.
  • No taxes or penalties
    When you choose a direct rollover from a 401K to an IRA, taxes are deferred until you withdraw funds. For certain expenses, like higher education or a first-time home purchase, you can take early distributions without penalties.

What are the benefits of a 401K, as compared to an IRA?

  • Better protection from creditors
    Your 401(k) is protected in bankruptcy and against claims from creditors.
  • Loan options
    You may be able to take a loan using your 401(k), which you can’t do with an IRA.
  • Earlier withdrawal
    You can remove funds from your 401(k) at age 55, without penalty, if you leave your job.
    However, with an IRA, you can’t begin taking qualified distributions until age 59½, in most cases.

I have another question.

Feel free to reach out to us at 256-772-4646.
We would be happy to answer any questions you may have.

DISCLAIMER - Investment advice offered through RFG Advisory, a Registered Investment Advisor. Securities offered through Private Client Services, member FINRA/SIPC. RFG Advisory, Investor’s Resource and Private Client Services are all unaffiliated entities.