Objections

title: Securities Objections description: [AFW S.12] Index of Securities Objections / Questions / Issues published: true date: 2026-06-30T08:08:05.822Z tags: editor: markdown dateCreated: 2021-04-20T07:49:37.936Z

• 1. Why should I hire you? / Are you worth your fee? / What makes you different? / No-Load? / Robo-Advisor? / Artificial Intelligence?
• 2. I already have a financial advisor
• 3. Why do Stocks Go Up? Are they Consistent?
• 4. Are You A Fiduciary?
• 5. What if your broker/dealer, firm or company goes belly-up?
• 6. I don't like mutual funds
• 7. Would I better off in an index / no-load mutual funds?
• 8. Do you believe in investing in individual stocks? I pick my own stocks.
• 9. Market is too high/low/other to invest right now.
• 10. I Already Have Enough for Retirement.
• 11. Market has a Downturn / Crisis / Crash / Government & Politics
• 12. I'm afraid of the stock marketICA & 6 Predictions.
• 13. I don't want to take any risks. I don't want to lose my principle.
• 14. Should I invest my Home Equity?
• 15. I don't want to be locked into an IRA.
• 16. I have lost money in my retirement accountVariable annuity intro.
• 17. Variable Annuities are taxed at ordinary income.
• 18. Why Does the Variable Annuity have Surrender Charges?
• 19. Should I Save for My Retirement or My Child’s Education?
• 20. I'd like to invest in real estate.
• 21. I'd like to invest in gold or other precious metals.
• 22. Why not invest in Cryptocurrency?
• 23. I like target-date and/or tactical funds.
• 24. Shouldn't I be invested in some bonds?
• 25. I'd like to invest in socially-aware funds.
• 26. What about equity-indexed annuities? (and SPIAs)
• 27. How to Handle the "Holidays".
• 28. I'm retired already. I don't have time to wait for the market to come back.
• 29. You're too young/inexperienced to be an advisor.
• 30. Handling Troublesome Clients
• 31. Client wants to go against your advice
• 32. Client is withdrawing from retirement accounts at a higer rate than they should.
• 33. Both Spouses, or None
• 34. The Fine Art of Waking Away / Lost Client / Disengaging from Non-Cooperative Client
• 35. Client Wants You To Read Some ""Esoteric"" Research Paper
• 36. What About Alternatives?Hedge Funds, Private equity, opportunity funds etc. + Tax Harvesting