Moody’s Investor Service has been the leading source of credit ratings, risk analysis and economic research for 100 years. Founder John Moody began his enterprise in 1900 as a publication containing statistics and information on financial stocks and bonds. Later, he adapted to extend his advisory services to businesses, offering industry analysis aimed at minimizing investment risk. During the Great Depression, Moody’s really established itself as a reliable source when bond default rates went up but Moody’s highest-rated bonds made all their payments. During the seventies, the Moody’s business model changed slightly again, offering ratings at a price. The idea was that calling in an objective rating service would reflect favorably upon businesses.

In this unruly sea of financial transactions and market uncertainties, Americans look to an investing service like Moody’s for guidance. With over 1,000 independent financial advisors, Moody’s represents a large body of professional economic experts. In their latest prediction, the financial market will continue to suffer throughout 2010. This month, Moody’s VP Craig Emrick stated, “We do not believe asset quality deterioration for the U.S. banking industry has reached its peak, and we therefore anticipate multiple quarters of losses for a large number of rated banks.” He added that 44% of the banks they rated showed net losses this year, but some residential real estate transactions have “caught up and surpassed [expectations] by some measures.”

In the past, Moody’s Investor Service has been accused of blackmail. German insurer Hannover Re claimed that a financial advisor at Moody’s offered him a “free rating,” which he politely declined. Following his refusal, Hannover’s debt was reduced to a “junk” rating and the company saw a swift 5 million loss in market value. Moody’s continued to issue free ratings to other companies surreptitiously but stood by claims that they were operating transparently. In July of 2008, the company admitted that some of its independent financial advisors had committed some serious errors and that disciplinary action was planned. “The integrity of our rating process is core to Moody’s values and is essential to the market,” Raymond McDaniel, the CEO of Moody’s, said in a written statement. “If an error occurs, it is crucial that rating committees consider possible rating changes and disclosures in an appropriate manner.”

Moody’s Investor Service does not have an entirely clean slate, however. One of the problems, NY Times writer David Gillen points out, is that “Dominant agencies like Moody’s and Standard & Poor’s are paid by the companies whose securities they are evaluating. Under this so-called issuer-pay model, the industry maximized its profits at investors’ expense, and, in the process, imperiled the entire financial system” (6/4/09). In the future, we are likely to see a shift in advisory services to improve the legitimacy of the ratings to a more unbiased system.

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In 2006, there were 320,000 available investment advisor career opportunities in the U.S., according to the Bureau of Labor Statistics. More than half of these jobs were in securities, commodities and financial investments. Additionally, 1 in 5 people worked at commercial banks, credit unions and savings institutions; and 1 in 6 were self-employed independent financial advisors. Although these jobs can be found anywhere in the country, 1 in 10 jobs were based in New York City, on or near Wall Street. Before getting their jobs, most obtained their bachelor’s degree in business, economics, finance or accounting and interned first.

Here is an idea of a typical day for investment advisors. They will begin work around 8:30 am, which entails spending some time checking voicemail, emails and returning phone calls. Online, they will review closed loan and mortgage rates and consider a few possible solicitations. At 9:30, they’ll be on their second cup of coffee as the first client steps in. The customer’s portfolio will be reviewed and the client will be given stock information, financial guidance and loan repayment advice. An hour later, they’ll enter information into the customer contact system. Lunch is at 12:30 and at 1:30 there is a meeting with another customer who is looking at maximizing retirement contributions. At 2:15, they’ll set up more appointments from the marketing department’s lead list and follow up on mortgages. At 3:45, another client wants to do something with the hundreds of thousands sitting in his checking account. At 4:30, a meeting with management to discuss the day’s transactions and prepare for tomorrow’s customers. It’s all in a day’s work for a financial advisor.

There are many types of investment advisor niches. Some are investment banker sales agents who find businesses wishing to expand and help underwrite them. They sell advisory services to help companies issue stocks or bonds and also sell securities to other investors. It’s a big step for companies to first invest in the public arena with an Initial Public Offering, but this is what helps the business world go round. Another key service from this group is assistance with mergers and acquisitions. The advisor helps find buyers and executes the agreement.

The investment advisor positions are expected to grow by 25% in the next seven years, as more baby boomers retire. Even so, there will be many applicants looking for these jobs because of the great benefits, like health insurance, life insurance, a pension, paid meals and travel expenditures. Additionally, new financial advisors can expect to make at least ,000. Senior advisors can make as much as 5,000, which entices many people who have excellent interpersonal skills. Much of an advisor’s success depends upon his or her ability to perform financial advisor marketing and solicit clients as well.

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Most Americans purchase stocks to create their financial future. Before you can consider investing tips, there are several preparations you must make. First, reduce your household debts. If you’re paying more than 18% in interest on any credit cards, or if you’re paying more than 15% of your income on your debts, then you’re not ready to invest just yet. Secondly, you’ll want your entire family covered with insurance that pays up to 75% of your primary breadwinner’s income should something happen. You should also have 3-6 months’ of income saved as an emergency fund. Lastly, you will probably need professional advice from a personal financial advisor.

Here are some investing tips for beginners. Even if you don’t make over 0,000 a year, you can still make considerable income, with little risk to you, if you find a financial advisor who agrees to help you find low-risk investment opportunities. On average, the stock market brings in an 8% annual return, so if you invest /week, you’ll have ,000 in 10 years. Of course, investing isn’t necessarily a sure bet. There is a possibility one of your investments will be junk and lose 25-30% in one day, which is why you should diversify your portfolio and consider financial products like mutual funds and exchange-traded funds.

Some people also like to get investment tips from an independent financial advisor. Many people find these advisors through family, friends, church members or cohorts, but you can also check websites like the Financial Planning Association (www.fpanet.org), the Certified Financial Planner Board of Standards (www.cfp.net) or Wiser Advisor (www.wiseradvisor.com). When you’re calling around to find an advisor, you’ll want someone who expresses an interest in you, who has been in business for awhile, is licensed and charges a flat-fee (rather than a commission). You can check with your State Attorney General to see if any complaints have been filed against an advisory service, which will protect you further.

We’d all like to think we can find our own investing tips and create a rich portfolio, without any third party assistance. Yet, the fact of the matter is, most of us aren’t half as good as we think we are, or half as good as we could be. For instance, Dalbar investment research firm found that individual investors saw an annual return of 2.6% a year, compared to the 12.2% that the S&P Index grew annually. Given these pitiful statistics, perhaps financial advisory services aren’t such a bad idea after all.

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