August 28, 2025

When it comes to buying or selling a home, everyone seems to have advice. Your financial advisor says one thing, your real estate agent says another—and you’re left wondering: who should I listen to?

Here’s the truth: both perspectives matter—but in very different ways.

Your financial advisor looks at your bigger picture: retirement goals, investment strategies, debt ratios, and long-term wealth planning. They’re fantastic at ensuring that your home fits into the puzzle of your financial life.

Your real estate agent, on the other hand, is in the trenches of the housing market every single day. We know what homes are actually selling for, which neighbourhoods are heating up (or cooling down), and how to position you to get the best deal in real time.

But here’s where it gets tricky: I’ve had clients tell me their financial advisor advised them to “get out of real estate” or that they could “make more money in the markets” than they would make from investing in real estate. This isn’t the first time I’ve seen financial professionals creep into the real estate world, giving advice outside their core expertise. And in some cases, it has cost people opportunities.

My approach is simple: I’m not a financial expert, and I never claim to be. But I do believe there’s enough room for advice from both of us. Even though history shows that real estate has outperformed the stock market in the long run, I prefer to stay neutral and encourage balance in your finances. If your financial advisor is pushing you completely out of real estate, I’d suggest asking why and whether that advice truly serves your best interests.

The healthiest portfolios usually have harmony between financial assets and real estate. When both professionals stay in their lanes and work together, you win.

Are you looking to sell your home in the next 3-6 months, or know someone who is? Join my free training: How to sell your home for more money, in less time, in any market. Join here

Jen Dumitrescu isn’t your typical real estate agent—she’s a detail-loving professional who brings big energy, sharp strategy, and a whole lot of heart to the table. She's been helping Toronto buyers and sellers make confident moves since 2007.

jend.ca / jen@jend.ca / IG: jendumitrescu

Tags: #Real Estate Wisdom, #Financial Planning, #Advisor Vs Agent
#Smart Home Buying, #Wealth Strategy, #JenD Answers

Share this article
The link has been copied!