Square Peg, Round Hole: Are you Squeezing Your Investments Into a Financial Advisor’s Model?

Say you have a long-held concentrated stock position. The shares were purchased years ago and had grown to represent a significant portion of your portfolio.

The advisor streamlines client accounts and wants to liquidate the position and move the assets into their model.

The problem? They triggered a large taxable event right at the start of the relationship.

Needless to say, it would have been a rocky beginning for both sides.

Advisors have different philosophies about handling existing investments.

Advisors often prefer to move assets into their accounts because it simplifies their work and, in many cases, your planning as well.

Consolidation allows them to:

• See your full portfolio in one place

• Execute a unified investment and tax strategy

• Reduce manual coordination with outside institutions

• Bill more efficiently, since most charge based on assets under management

• Stay in compliance with oversight requirements

Some are willing to work around meaningful positions that hold financial or emotional value for a client, but too many small or fragmented accounts can strain their operations. Service quality can decline when an advisor’s attention is spread across dozens of small accounts.

If you do not choose the right fit at the start, your advisor relationship can quickly become misaligned. You may find yourself caught between tax consequences, operational preferences, and competing priorities.

The key is finding which business model works best for your current portfolio and ultimately your financial goals.

Financial Fit gives you a window into how advisors actually operate behind the scenes. Each firm has its own structure and philosophy. We take a look at your current investments and full financial picture to match your goals to the advisor who is best set up to support them.

👉 Schedule a quick 10-minute chat to find the right advisor for your current investments.