When the clock strikes midnight on your financial plan… will your wealth carriage turn into a pumpkin, or will your advisor hand you a parachute?
Andrew Beaudry, CFP® and Ryan Cummings, CFP® break down the real value behind professional financial advice — beyond the hype, the headlines, and the TikTok “gurus.”
In this episode, we unpack the 2025 Russell Investments “Value of an Advisor” Study, which quantifies advisor value at ~4.87% annually, and explore whether great advice is magic, marketing, or a must-have.
🍂 The “Cinderella Pumpkin” ViewWhy some investors think advisors aren’t worth the cost — and how overconfidence, cash drag, and DIY pitfalls quietly erode returns.
🪂 The “Parachute” ViewHow advisors protect clients during market turbulence, life transitions, and emotional decision-making.Behavioral coaching alone adds ~2.47% in value — and can save years of returns.
🧭 The Power of PersonalizationToday’s advisors don’t just pick stocks — they build customized family wealth plans, retirement strategies, and generational frameworks that add meaningful financial value.
📏 Measuring the Value of AdviceA practical checklist to evaluate whether your advisor is providing clarity, simplification, planning, and peace of mind.
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🌐 Learn more: www.privatefinancialdesign.com