Why Hire a Financial Advisor? Let Me Handle Your Money Stuff

Hey, I’m Terry O’Grady, your virtual financial advisor from Tampa, helping folks nationwide via Zoom. You’re great at your job—maybe running a business or teaching kids—but managing investments? That’s a full-time gig. Outsource it to me, and I’ll do the heavy lifting so you can enjoy life, whether it’s tennis, travel, or time with grandkids. Here’s why it’s worth it.

What I Do Behind the Scenes

I’m not just picking stocks and calling it a day. Here’s the real work I do to keep your money working and your stress low:

  • Build Your Game Plan: I choose the right mix of investments—stocks, bonds, you name it—to match your goals, like retiring early or funding a dream trip. It’s like crafting a playbook for your money.

  • Pick the Best Funds: I sift through funds and ETFs to find ones that fit your plan, saving you hours of research. Think of me as your personal shopper for investments.

  • Keep Things Balanced: Markets shift, so I tweak your portfolio to stay on track, like adjusting sails on a boat to keep it steady.

  • Calm You Down: When markets drop and panic sets in, I’m your coach, reminding you to stay cool and stick to the plan. No rash moves, no regrets.

  • Choose Smart Accounts: I guide you on accounts—IRAs, 401(k)s, or taxable ones—that fit your life, so you’re not stuck guessing what’s best.

  • Save on Taxes: I offer tips to cut taxes and use techniques like tax loss harvesting—selling losers to offset gains—keeping more money in your pocket.

Is Outsourcing Worth the Cost?

Hiring me costs about 1% of your portfolio each year, but let’s break it down. Going DIY might seem free, but it’s not. Mistakes—like buying high, selling low, or missing tax breaks—can easily cost you 1% or more in losses. Plus, the time you spend researching, tracking, and worrying? That’s another 1% in energy and hours you could’ve spent on your job, where you likely earn way more than the cost of my fee. Add it up, and outsourcing can save or earn you 2–3% compared to DIY. That’s real money over 20 years, letting you focus on what you love.

That’s according to Vanguard’s annual study on Advisor’s Alpha (Value). The 3% value estimate based on Vanguard’s Advisor’s Alpha study is hypothetical, not a guarantee of results. Actual value varies by individual circumstances. Investing involves risk, and results may vary. Consult a qualified financial advisor before making decisions. Source: Vanguard, “Celebrating Vanguard Advisor’s Alpha: Clients and their advisors thriving together for 25 years” 2025.

Why I’m Your Guy

As a CFP® professional and fiduciary, I’m legally bound to put you first—no sales pitches, no quotas. From my days at T. Rowe Price to running my own Tampa-based RIA, I’ve got the chops to manage your wealth, whether you’re in Tampa, Topeka or Tulsa. I meet clients via Zoom making it easy to get started. Want to ditch the money stress and live your best life?

Let’s chat on Zoom to see how I can help!

Investing involves risk. Consult a qualified financial advisor before making decisions.