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| Fiduciary Standard – As fiduciaries our legal (and moral) responsibility is to choose investments in the client’s best interest over the benefit to the advisor.
Independent – As a fee-based firm our investment decisions are independent of industry perks resulting in conflict-free advice. Fee Transparency – In our first consultation we explain how we are compensated through fees, not commissions, how that contrasts with other industry compensation models and how those models affect clients. Relational – We value lasting relationships with clients and retain them by staying in touch, returning phone calls and explaining investments at a level that matches client interest. |
Suitability Standard – This standard is a step below the Fiduciary standard and only requires that investments recommended are suitable for the client but are not necessarily in their best interest.
Dependent – Compensation may determine behavior. When advisors’ compensation is dependent on commission-generation, advice may be subject to a conflict of interest Hidden Fees – Some investments have multiple layers of fees buried in lengthy documents that can create complications in determining the overall fee. Sales Mindset – Building trust is impossible if the sole reason for client contact is making additional sales. |
Financial Planning to Help You Stop Worrying About Money