"Value" is one of those chameleon-like words when it comes to investing. To one person, it may be a stock that has grown in value over time. To another, "value" is the monthly dividend that provides income during retirement. Both are true instances of "value" and things that, as a firm located in the same building with the same name for the past 43 years, we strive to provide on a daily basis.

Now, for a different example of "value." A recent Life Insurance Marketing Research Association (LIMRA) study showed that almost half of Americans are not contributing to an employer-sponsored retirement plan or IRA. That means that at this moment, half of us are walking blindly towards the future when it comes to that magical day when we decide to stop working. That's scary, unless you plan to never stop working.

I understand that life happens. Budgets are tight, and things break all the time. And when it comes to keeping the lights on and food on the table, it can be easy to stop thinking about a day that is 30 years down the road. This is where a financial advisor can provide true "value."

The study also showed that regardless of income, more than 60% of Americans who work with an advisor ARE contributing to a retirement plan or an IRA, compared to just 38% without an advisor. Furthermore, more than 70% of Americans who work with an advisor have the confidence that they're saving enough for retirement. Just 43% of Americans without an advisor share that same confidence level.

So, how do we provide "value?" It is the peace of mind that you'll be ready to retire when the day comes. And that in the meantime, you can worry about enjoying and living your life while your advisor keeps an eye on your retirement.

Chuck Wade

(This article contains the current opinions of the author but not necessarily those of Brighton Securities Corp. The author's opinions are subject to change without notice. This blog post is for informational purposes only. Forecasts, estimates, and certain information contained herein should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. References to specific securities and their issuers are for illustrative purposes only and are not intended and should not be interpreted as recommendations to purchase or sell such securities).