“I already have a financial advisor.I’m not interested in annuities.”

But then, in the same breath:

“My biggest concern during retirement is taxes and running out of money. I also just lost $50k in a failed investment after the business went bankrupt due to a robbery.”

These two statements don’t live in the same room.

So let’s translate the situation into something we all understand.

Your financial advisor is like your primary care doctor.

A primary care physician handles:

• Annual checkups

• Preventive care

• General wellness

• And when needed… referrals to specialists

Because your PCP cannot:

• Set a broken leg

• Perform an amputation

• Reconstruct burn damage

• Treat advanced dermatological conditions

• Perform a vasectomy

• Handle gynecologic procedures

If something requires specialized expertise, they refer you out — not because they’re incompetent, but because modern medicine is too complex for one person to master everything.

Finance works the same way.

The financial world is built on specialists — not generalists.

No single advisor can (or should) attempt to master all disciplines. Here are just a few of the branches involved in building and protecting wealth:

Risk & Protection Specialists

• Life insurance

• Disability insurance

• Long-term care

• Annuities

• Property & casualty

• Umbrella & liability coverage

Investment Professionals

• Registered Investment Advisors (RIAs)

• Wealth managers

• Portfolio managers

• Retirement plan specialists (401k/403b)

• Asset allocators

• Products across stocks, ETFs, options, bonds, REITs, alternatives, crypto, and more

Tax Professionals

• CPAs

• Enrolled agents

• Tax attorneys

These roles require navigating hundreds of annual tax code updates.

Estate & Legal Specialists

• Estate-planning attorneys

• Trust attorneys

• Elder law attorneys

Retirement Income & Distribution Specialists

• Annuity structuring

• Income planning

• Longevity risk management

• Social Security optimization

• Tax-efficient withdrawal strategy design

Most advisors stay in their lane because the human brain simply isn’t wired to be an expert in every one of these domains — and that’s not a flaw.

It’s the structure of the financial industry.

Questions every client should be asking their advisor

1. What is your specialty?

Risk? Investments? Tax? Distribution? Something else?

2. Who on your team handles the areas outside of your specialty?

Team depth matters more than titles.

3. How many carriers or investment options do you have access to?

If the answer is, “Only what our firm provides,” that’s a limitation worth noting.

Why I choose independence

Instead of being restricted by corporate incentives or limited product shelves, I choose to remain independent so I can:

• Build my own specialist network

• Access multiple carriers

• Customize solutions across disciplines

• Prioritize the client—not the institution

Independence gives me the freedom to serve with integrity, clarity, and breadth.

Simple as that.

Ready to plan like a modern, well-educated, financially savvy individual of the 21st century?

If you’re ready to take control of your financial future with a truly holistic approach, reach out directly:

📩 ltafinance@mymoneyumbrella.com

Let’s build a plan worthy of your potential.

Disclaimer

This content is for educational purposes only and is not financial, tax, legal, or investment advice. Product availability, suitability, and performance depend on individual circumstances. Always consult licensed professionals in the appropriate specialty before making decisions related to insurance, investments, taxes, estate planning, or retirement income strategies.