How to Switch Financial Advisors

Financial Planning

Oct 20

🔀 Change without the Headache!

1️⃣ Find Your Perfect Match First

🔎 Interview 2-3 candidates (ask about their investment philosophy & client communication)
💬 Look for someone who gets your goals & speaks your language

2️⃣ Check the Fine Print

Review your current agreement for:
⏳ Notice periods (often 30 days)
💸 Any transfer/termination fees

3️⃣ Make the Move Seamless

📦 Gather: Recent statements + beneficiary info
📋 Let your NEW advisor handle the paperwork (they love this!)

4️⃣ Break Up Like a Pro

📩 Send a polite termination email/letter
🤝 Offer feedback if comfortable

⏱️ Timeline: Most transfers take 2-4 weeks

🚨 Watch Out For:
• Surprise account closure fees
• Tax impacts if investments need to be sold

Pro Tip 💡: Ask if the new advisor offers "In-kind" transfers (no selling needed)

Remember: Your money deserves an advisor who:
✅ Listens to you
✅ Explains things clearly
✅ Makes you feel confident

🚀 Ready for a change? Start fresh with a Chalk Money Financial Planner who truly aligns with your financial vision!

Let's Chalk

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

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Jay Kadlec

Hi, I’m Jay Kadlec, the owner of Chalk Money, LLC. I work with you to find the critical financial risks that proper financial, estate, and insurance planning could avoid, lessen, or at least bring you awareness of what could substantially impact your life. My philosophy is straightforward: put the client’s needs first, deliver exceptional experiences, and provide tailored solutions that truly fit.

First and foremost, I am a teacher. I use real-talk, plain-speak rather than industry jargon so that you have a plan you can understand. Your story and where you’re trying to go matter most to me.

Your goals change over time, so I “plan in chalk.” I adapt and fight for your ideal outcome, ensuring that you come first (aka being your fiduciary). I’ve served in this capacity since 2018 and will continue until at least 2055. I will likely be there for you, your children, and your grandchildren—with Americans living longer, I may even be a resource to your great-grandchildren!

My background has given me valuable experience in understanding how various financial tools can work together. I believe in creating non-cookie-cutter strategies that are efficient and designed to stand the test of time. Clients trust me for my transparency, professional integrity, and personalized approach. I am an Investment Advisor Representative (CRD# 7047900), licensed insurance producer (NPN# 18005247) for Accident, Health, Life, and Long-Term Care Insurance, Mortgage Loan Officer (NMLS# 2343444), and serve as a Tennessee Notary.

When I’m not working, I enjoy spending time in the mountains of Knoxville, Tennessee, with my family, playing board games or pickleball with friends, or brainstorming new ways to make my services even more impactful for my clients.

I also aim to inject some fun along the way…so be warned, some puns may make you cringe.

Let’s connect! Feel free to reach out or learn more about my work at www.chalkmoney.com.

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network.

https://www.jaykadlec.com