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How to Determine Whether a Financial Seminar or Investment Is Even Worth Your Consideration

by Samuel N. Asare


We all want to make sure we are aware of good financial opportunities, but how often have you spent valuable time at an event that was pitched as the “best possible use of your time” and left feeling that doing almost anything else would have been a better way to spend the day? Are all financial seminars equal? Of course not! How, then, can you determine whether a seminar will be worth your time and/or attention?

The Presenter

The first determinant when it comes to a financial seminar is that the firm and/or person making the presentation must be properly licensed in the discipline. You can check this with the appropriate federal and/or state licensing agency. A legitimate securities agent must be registered with the Financial Industry Regulatory Authority (FINRA), and his or her firm must be registered with a state securities regulator or the Securities and Exchange Commission (SEC). Insurance agents must be licensed by the state’s insurance commissioner. Please visit the Important Links page on our website for direct links to these agencies.

Seminar presenters should not suggest that past performance is an indication of future performance, as no financial “expert” can ever predict the future. The fact that a financial product performed well in the past does not guarantee that it will do well in the future.

The Information & Decision Process

Information presented at seminars is usually general and should therefore be viewed as the first step in a process. It is important to make sure the information provided will work in your specific situation. One should thus be concerned if a false sense of urgency is created by suggesting, for example, that you purchase a product(s) that is available for a "limited time only". This is not to suggest that you should unnecessarily procrastinate, but if you’re sensing any pressure to “buy now or lose out,” you need to be very careful.

It behooves you, as an investor, to get a complete understanding of where your money is going before you sign any documents or write any checks. Ask as many questions as necessary to be sure you understand what you are buying, especially the associated risks and costs. Failure to receive satisfactory answers could be a sign that a particular financial product may not be for you. Some good areas to cover include:

· Risks associated with the financial product

· Initial as well as any associated ongoing costs

· How readily the investment can be accessed for cash

· Surrender charges or any other fees associated with cashing out

· Net returns after fees, as returns quoted are usually the gross, and which regulator the investment is registered with

Please, please, please take the time to confirm the answers to all of these questions before investing your money.

To get your financial questions answered you may call us at 877.656.9111 or visit

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This website is for informational purposes only. All opinions expressed are solely those of Laser Financial Group, LC., and our editorial staff. The information is not to be construed as any form of professional advice, nor as solicitation for the purchase or sale of any security, whatsoever. No particular outcome is guaranteed. No strategy can guarantee a profit, protect against loses, or ensure peace of mind. Recommendations are based solely on third party insurance products for which we receive compensation. Laser Financial Group, LC, does not provide investment advisory services. This does not constitute an offer to provide services in any jurisdiction in which such offer or solicitation would be unlawful under the laws of such jurisdiction. Any United States tax reference on this website is not intended to be used, and cannot be used for the purpose of avoiding penalties under the Internal Revenue Code, or promoting or recommending to another party anything addressed herein.

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