An investment manager is a person or company that manages an investment portfolio on behalf of a client. Investment managers come up with an investment strategy to meet a client’s goals, then use that strategy to decide how to divide the client’s portfolio among different types of investments, such as stocks and bonds. The manager buys and sells those investments for the client as needed, and monitors the portfolio’s overall performance.

Some investment managers are also financial planners, providing holistic financial advice on topics like cash-flow management, taxes, insurance and estate planning. Others work with high-net-worth clients to address their financial planning and investment management needs, as well as coordinate the services of other professionals, such as lawyers and accountants. This is often referred to as wealth management. Wealth management offers more areas of expertise, such as estate and tax planning, accounting services and retirement planning in addition to investment management. If you need a hand choosing investments for your IRA, investment management could be helpful. Wealth management would probably be overkill.


A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives. Financial Planners do their work by consulting with clients to analyze their goals, risk tolerance, life or corporate stages and identify a suitable class of investments for them. From there they may set up a program to help the client meet those goals by distributing their available savings into a diversified collection of investments designed to grow or provide income as desired.
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