Why? For the same reasons you would use a physician, a lawyer, a licensed pilot or another professional when the stakes are large.

Know-how
of the process, the techniques, the best practices, the tools, the alternatives, and the pitfalls to avoid.

Effectiveness and Efficiency
to accomplish your objectives with the most effective use of resources, the least risk of wrong decisions, and the least expense.

Breadth
the expertise to integrate all your financial needs-including investments, risk protection, taxes, retirement, estate planning, and asset management.

Depth
the necessary resources: professional research and analysis; backing by professional investment, tax and insurance staffs; sophisticated information technology systems; and a comprehensive network of financial service providers.