Fiduciary Standard

“What you don’t know you don’t know… And sometimes what you think you know really isn’t so.”
—Jim Rohn

I am a Fiduciary.
Why that makes a difference for you …

Many investors unknowingly get financial guidance from an adviser who, while knowledgeable, may only represent a specific firm and its proprietary financial products.

That adviser may also be getting paid an undisclosed commission to sell that specific firm’s proprietary products, which may not be the best products available for you.

Unfortunately, these non-fiduciary advisers are often placed in the challenging position of serving their clients while also achieving the goals of their company.

This means that there is an inherent conflict of interest for this adviser.

These advisers are required to offer “suitable and appropriate” products but “suitable and appropriate” is quite broadly-defined…this is called a broker’s representative suitability standard. However, they are usually not legally-bound to do what is in the best interests of each client.

The suitability standard opens the door to conflicts of interest, which may not be disclosed to the client.

The bottom line is that the non-fiduciary adviser’s primary loyalty is usually to his or her company, not to you, the client.

As an Investment Adviser Representative (IAR), I am legally required to put your interests first. I am YOUR Fiduciary.

I take your financial well-being and our relationship very seriously.

When you work with me, your peace-of-mind is my number one goal.

    Five core principles of a Fiduciary:

        • Has a fundamental obligation to act in the best interests of the client.
        • Owes the client a duty of undivided loyalty and utmost good faith.
        • Must not engage in any activity with a conflict of interest of any client.
        • Must employ reasonable care to avoid misleading clients and must provide full and fair disclosure of all material facts to the client or prospective client.
        • Must eliminate, or at least fully disclose, all conflicts of interest that might induce the adviser to provide advice that is NOT disinterested.
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