The Value of Working With a Financial Advisor

By Nicole Young on September 17, 2025

Throughout life, we all face important financial decisions—from planning for retirement to navigating major life changes. Yet managing these decisions can often feel overwhelming, time-consuming, and emotionally taxing.

You’re not alone.

A recent study found that 85% of Americans want financial advice, but 59% don’t know where to find it.[1]^,[2]

With the rise of AI platforms like ChatGPT and robo-advisors, some investors are turning to digital tools for answers. While these options are cost-effective, they often lack the personalized insight needed to address complex life scenarios, like starting a family, acquiring sudden wealth, or preparing for retirement.

That’s where we come in.

At Private Vista, our advisors provide tailored guidance to help you understand the opportunities and consequences of your financial decisions. While hiring an advisor may seem costly upfront, research shows that working with a professional can add significant value and help you avoid expensive mistakes.

What Our Advisors Can Do for You

Craft a Personalized Financial Plan

Nearly 6 in 10 high-net-worth investors³ work with a financial professional to align their financial decisions with long-term goals. At Private Vista, we take the time to understand your current situation, concerns, and aspirations. We then build a customized financial plan that evolves with you, supporting your journey every step of the way.

Our diverse team spans multiple generations and offers clients many decades of collective experience and wisdom. We are a forward-looking team striving to provide industry leading wealth management – one that implements our knowledge of the past along with what we continue to learn in an ever-changing world. As a strategic partner with Hightower Advisors, we pair institutional resources with our boutique client experience to provide the evolved experience – financial planning and wealth management that help clients live enriched lives!

Private Vista serves clients in all 50 states. We love welcoming clients into our two offices located in Oak Brook and Chicago, Illinois, and we travel to visit out-of-town clients in person when appropriate.

Advise on Significant Life Events

Major life events—marriage, parenthood, career changes, retirement, or unexpected illness—can dramatically impact your finances. Yet only 23% of people planning for retirement have a written plan.³ Our advisors offer clarity and confidence during these transitions, helping you make informed decisions that support long-term success.

Diversify, Rebalance, and Manage Your Portfolio

According to a Morningstar study, the most important skill a financial advisor brings is experience and knowledge in financial planning and investments.[3] Through our guidance, you will be pushed in the right direction so that you can meet your goals. Whether you need asset allocation, diversification, or rebalancing, we are here to help. We will routinely review your portfolio and communicate with you, so you are aware of where you are with your investments. Private Vista’s Investment Team monitors macroeconomic factors to determine how to allocate amongst the different asset classes. They meet regularly to review and monitor investments; including performance and fund composition. The Investment Team is supported by our strategic partner, Conway Investment Solutions, who integrates institutional-quality research with our boutique level of service.

Preserving Wealth for Generations

Statistics show that 70% of wealthy families lose their wealth by the next generation while 90% lose it by the following generation.[4] This is a sobering fact for many families who have worked hard to generate wealth they wish would sustain for generations to come. Our advisors can work closely with your family to help ensure that wealth can grow, and your legacy continues.

Keep You On Course

While implementation is one of the final phases in the financial planning process, our job doesn’t stop there. With the market consistently evolving, investments that previously performed well may need to be adjusted to limit significant loss. We consistently monitor, review, and adjust your financial plan to help you stay on track and capitalize on potential growth opportunities.

Don’t wait to plan your future. Schedule a conversation with an advisor and start building your financial roadmap today.

_{[1] https://money.usnews.com/money/personal-finance/family-finance/articles/85-of-consumers-are-looking-for-financial-advice-heres-how-to-start-taking-control-of-your-finances}

_{[2] Tzanetos, G. (2022, March 4). 59% of Americans want financial advice, but most don’t know where to get it. Yahoo Finance. https://finance.yahoo.com/news/59-americans-want-financial-advice-171607796.html?guccounter=1}

_{[3] Ross, J. (2024, March 3). RANKeD: What people value most in a financial advisor. Visual Capitalist. https://www.visualcapitalist.com/sp/what-people-value-in-a-financial-advisor/}

_{[4] How real is the third-generation curse, and how can financial advisors tackle it? (2025, February 6). CFA Institute. https://www.cfainstitute.org/insights/articles/third-generation-wealth-curse-advisor-solutions}

Private Vista, LLC is a group comprised of investment professionals registered with Hightower Advisors, LLC, an SEC registered investment adviser. Some investment professionals may also be registered with Hightower Securities, LLC (member FINRA and SIPC). Advisory services are offered through Hightower Advisors, LLC. Securities are offered through Hightower Securities, LLC.

This is not an offer to buy or sell securities, nor should anything contained herein be construed as a recommendation or advice of any kind. Consult with an appropriately credentialed professional before making any financial, investment, tax or legal decision. No investment process is free of risk, and there is no guarantee that any investment process or investment opportunities will be profitable or suitable for all investors. Past performance is neither indicative nor a guarantee of future results. You cannot invest directly in an index.

These materials were created for informational purposes only; the opinions and positions stated are those of the author(s) and are not necessarily the official opinion or position of Hightower Advisors, LLC or its affiliates (“Hightower”). Any examples used are for illustrative purposes only and based on generic assumptions. All data or other information referenced is from sources believed to be reliable but not independently verified. Information provided is as of the date referenced and is subject to change without notice. Hightower assumes no liability for any action made or taken in reliance on or relating in any way to this information. Hightower makes no representations or warranties, express or implied, as to the accuracy or completeness of the information, for statements or errors or omissions, or results obtained from the use of this information. References to any person, organization, or the inclusion of external hyperlinks does not constitute endorsement (or guarantee of accuracy or safety) by Hightower of any such person, organization or linked website or the information, products or services contained therein.

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