By Lisa Stephens
For almost twenty years, Schwab Financial Consultant and Independent Branch Leader, Justin Cole, has worked in the financial services industry to support clients working towards achieving their financial goals and aspirations. Fifteen of those years have been spent living and working in the Citrus Park area. His desire to help clients came from his experience during an internship in his last year of college working with an investment management firm. “I worked with shareholders during the dotcom bubble and that opportunity showcased that there was no shortage of people needing financial education and organization,” he shared.
Equipped with an MBA from University of South Florida, Justin holds his Series 6, 7, 24, 63 and 65 security licenses, state insurance licenses, and is a Certified Financial Planner®. He describes Schwab as an advocate for the individual investor and it is important to him to implement those principles when working closely with clients. An initial meeting, he said, is all about making sure clients feel comfortable with the information shared about their financial situations. “We’ll ask a lot of questions at first. It’s our responsibility as consultants to understand our client’s financial position and we gage those questions around financial planning principals,” he said. It is important to him to fully understand the client’s current situation and what they want to accomplish. “We don’t ask for fast decisions. Time creates a comfort level for the client and we want to be sure they’re comfortable with the options we offer them.”
It’s never too early or too late to begin a financial plan he explained. Justin references a Chinese Proverb when clients wonder if it’s the right time to begin. “The best time to plant a tree was 20 years ago. The second best time is now.” For those concerned they might not have enough money to begin investing, Justin says Schwab has affordable ways to begin. “Schwab is on the cutting edge of that. Even young individuals or couples just starting out can begin planning,” he explained.
Even the way clients can track their financial planning progress is customizable with Schwab. While some clients like to check their accounts several times a day online, a simple annual review with a representative is enough for others. “The client dictates the amount of engagement they want to have with our team,” he explained.
Since the internship experience in college that convinced him to pursue a career in the financial industry, Justin has never looked back. “The most rewarding parts of my job are the client stories I hear every single day. It’s an interesting gift that I receive in hearing those and it really broadens my perspective on the world,” he shared. “We’re shaped by our experiences and the experiences of others.”
Call Justin Cole today at 813-926-1028 to share your story of financial goals and dreams. Justin is an Independent Branch Leader for Charles Schwab & Co., Inc., (“Schwab”), Member SIPC. The office is located at 8633 Citrus Park Drive, Tampa 33625. Office hours are 8am to 5pm.
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