Financial advice is everywhere. Some of it’s good, most of it’s not.

Times and dreams change. Without continual course adjustments you might veer off in unintended direction and could miss your goal.

We’ve All Been There

My father unexpectedly died 15 years ago. In fact, hours before a planned visit specifically to make retirement preparations with my parents, my uncle called with the shocking news that my dad was gone.

Instead jumping off the plane into the arms of my dear parents, I landed in a financial crisis. Our time of grief was overshadowed by stress and struggle.

It wasn’t that my father didn’t plan. It was that he never made course adjustments or streamlined his efforts. In the ensuing weeks I uncovered:

• An inconsequential life insurance policy
• An ill advised tax plan
• A potpourri of stocks — ranging from blue chips down to lost causes
• Nearly a dozen bank accounts, many with nominal balances

Unfortunately, I never found a will, sending all my parent’s funds to probate.

Wealth management bankers started hounding my mother recommending “free” advice while selling funds with high annual fees. It took months to sort, but luckily, my parent’s assets were enough to provide well for my mother.

It could have been easier.

Avoiding Crisis at a Time of Tragedy

I never want my family to relive the stress — though I know we’re not alone in this experience. Since my father’s passing, more than one friend has shared a similar tale.

No one’s family needs to struggle. When you have a substantial income and a high savings rate — you don’t need lottery-like stocks. Just a systematic savings plan to grow your wealth.

Good, reliable financial advice is out there if you know where to look.

Competency without Conflict

The key to a solid financial plan is finding a planner committed to your best interest. That’s why Qubera advisors sign a fiduciary pledge — we never let commissions, hidden fees or other personal gains overtake the financial security and well-being of our clients.

Your Qubera fiduciary advisor will relentlessly pursue time-tested investment strategies, stay educated, dive deep into the research.

Your fiduciary tells you how much insurance you need and for how long. An insurance salesman on the other hand will never tell you it’s time to call it quits.

Your fiduciary looks for long term investments that best suit your needs. Large firms are incentivized to meet quotas and build up large client-loads.

It’s our passion and our promise to provide the level of service and education we’d give our own family.