Q. Why should I use Investment Advice Line instead of a big Financial Service Company or Bank?

A. Investing and managing your money is a serious obligation that you have to meet for yourself and for your family. How to maximum and manage your existing financial needs and make investments is often confusing. Most sources of financial and investment advice are ‘attached’ to a company that is attempting to sell you their brand of investing or financing.

Investment Advice Line offers you the piece of mind of discussing your investment decisions with a Financial or Investment Advisor. We are not affiliated with any financial institution; we make our living providing objective financial and investment information and advice. The cost of the call is just $34.95 and there is no time limit, so you can feel relaxed while discussing your financial and investment choices. To top it off the call is tax deductible under most circumstances

Q.  Why should I choose Investment Advice Line over a private, individual broker?

A.  The message is all over the TV these days. A broker bragging about how much money he's making while playing golf. A bartender featured on CNBC because he has made a pile of day-trading profits. Their message is clear: -- You don't need a full service broker or a full time money manager to invest your money.

The revolution is reflected in the growth of discount and online brokers taking on the high-fee old line brokerage forms. Who would choose a full-service guy when you can get on line to E Trade or Ameritrade and make the transaction yourself for less than $10 a trade? Even DLJ, a veritable hive of full-service brokers, has gone online and lowered its fees for some services.

Full-service too often fail to deliver the kind of value you're paying them for. Stories circulate about the brokers who induce you to buy and sell merely to generate fees. Worse still are the ones who try to sell you inferior in-house investments with high commissions and mediocre returns.

The big firms built their reputation with good brokers providing invaluable counsel. They help especially if you lack the experience, time or interest to do your own research. With the discounters, you pretty much get what you pay for -- no advice, no research, no hand-holding. And in the case of online brokers it can get even worse: clogged servers, missing checks and hour-long waits on customer service lines a recent ad for NDB show a customer service rep answering a client’s inquiry about the status of a check mailed to them.