This is what You should know to Protect Yourself and Your Wealth
|
|
- Gary Gardner
- 8 years ago
- Views:
Transcription
1 Are you being Fooled by Titles? How to Protect Yourself! Every week I receive dozens of calls, s or questions from investors just like you who finally realize the person they entrusted with their investments is no more than a salesman who is not working in their best interest! So I thought I would educate you on how to protect your wealth and get real money management that s in Your Best Interest! First, the Title of Advisor, Financial Consultant, Financial Planner or Wealth Manager, is often just a Broker or Salesman using a title to Confuse you...yes, Confuse you into thinking they are more than just a salesman of the investment products their firms represent. And those investment products come with conflicts of interest and hidden agendas; that s Not in your Best Interest! If You want REAL Investment Management, Real Investment Advice without the conflicts of Wall Street, Sales People, Commissions and Conflicts of Interest: Work with a Fee-Only Registered Investment Advisor who acts as a Fiduciary under the Fiduciary Standard and has a legal obligation to work in Your Best Interest! This is what You should know to Protect Yourself and Your Wealth 1. You want a Fee-Only Registered Investment Advisor. An Advisor, Financial Consultant, Financial Planner, or Wealth Manager is NOT a Registered Investment Advisor. Sounds the same, but a Registered Investment Advisor actually manages your wealth as a Fiduciary; the others are just titles to confuse you into thinking they are more than salesmen. These salesmen only sell you the investments their firms manufacture and represent; they DON T work in Your Best Interest and they DON T manage your wealth.
2 2. You want a Fee-Only Registered Investment Advisor. Again, you want a Fee-Only Registered Investment Advisor! Fee-Only is Not Fee-based and is Not Commission...a BIG Difference! NO Commissions, NO Conflicts of Interest, NO hidden compensation, NO sales trips or sales quotas. 3. You want an Advisory Account, not a brokerage account. BIG Difference. Chances are you have a brokerage account...check your account statements or brokerage account application/agreement. If you work with any brokerage firm there is a good chance you only have a brokerage account, not an advisory account. 4. You want a Fiduciary Relationship; anything less is JUST SALES! The legal definition of a Fiduciary is: In Your Best Interest. Brokers and so-called Advisors DO NOT act in a Fiduciary Capacity! Only a Registered Investment Advisor acts as a Fiduciary... In Your Best Interest. DON'T think all people in the investment business act as a Fiduciary; very few do! If your Advisor is NOT a Registered Investment Advisor then he/she is not a Fiduciary, but is a broker or salesman! 5. NO Investment Advisory Agreement? Then You DON'T have an Investment Advisory Account or a Fiduciary Relationship! If you did not sign an Investment Advisory Agreement, and receive a Form ADV Part 2 completely outlining the investment management services provided, then you DO NOT have an Advisory Account or an Investment Advisory/Fiduciary Relationship. You only have a brokerage account and a broker or salesman! 6. Warning signs that You have a Broker, so-called Advisor, or Salesman. Anyone Selling Variable Annuities, Annuities, Mutual Funds, Stocks or Bonds for Commissions is NOT Fee-Only, NOT a Fiduciary, NOT a Registered Investment Advisor, Not Managing your Wealth, and is Not working in Your Best Interest!
3 7. Find Out the Truth...use our FREE Fiduciary Questionnaire! The Fiduciary Standard is the only way to be confident that the Investment Advice you are receiving is truly in your best interest... and Advice at ALL. Access our FREE Fiduciary Questionnaire/Important Fiduciary Test...it's available FREE on our website under the Investor Resources Tab. 8. Your broker may Lie to you... Again use our FREE Fiduciary Questionnaire with the person you entrust with your money; have them sign it then they can t LIE! Some brokers lie, yes, they lie. Every week I have people just like you calling, ing and thanking us for our Fiduciary Questionnaire. They say it helped them uncover those lies and helped them find a real money manager acting as a Fiduciary; often it s our firm they hire. Have your current advisor take the fiduciary questionnaire. Protect yourself and your wealth make sure they sign it! A recent SEC study showed investors are being Fooled and Confused by Titles such as advisor, financial consultant and wealth manager. These titles are meaningless, and only fool the consumer into thinking their broker is more than just a salesman of investment products. This puts your interest at the back of the line, as these individuals do not manage your wealth or monitor your investments... they only sell investment products. Only a Registered Investment Advisor is licensed to provide Investment Advisory Services and Investment Management. No Investor should work with any advisor that does not provide a fiduciary standard of care, as there is no way otherwise to be confident that the advice they are giving is in Your Best Interest. If someone tells you it s not important to work with a Fiduciary or in Your Best Interest, RUN! It s a Salesman
4 CONFUSED? DON T BE! FIDUCIARY STANDARD IS WHAT YOU WANT SUITABILITY STANDARD IS PROBABLY WHAT YOU HAVE WHAT ARE YOU REALLY GETTING; Sales or Real Investment Advice? SUITABILITY STANDARD Investment Sales Titles they take: Advisor, Financial Consultant, Wealth Manager, Financial Planner, Broker NO LEGAL OBLIGATION TO WORK IN YOUR BEST INTEREST WORKS FOR BROKERAGE FIRM, NOT YOU INVESTMENT SALES CONFLICTS OF INTEREST COMPENSATION: COMMISSIONS OR COMMISSION BASED FEES NOT ADVISORY NO INVESTMENT MANAGEMENT NOT WORKING IN YOUR BEST INTEREST LITTLE TO NO DISCLOSURE HIGH INTERNAL EXPENSES ON INVESTMENT PRODUCTS SOLD TO CLIENT THE BIG DIFFERENCE FIDUCIARY STANDARD Real Investment Advice, Real Investment Management Title: FEE ONLY REGISTERED INVESTMENT ADVISOR LEGAL OBLIGATION TO WORK IN THE BEST INTEREST OF THE CLIENT WORKS FOR THE CLIENT, NOT A BROKERAGE FIRM OR INSURANCE COMPANY INVESTMENT ADVISORY INVESTMENT MANAGEMENT NO CONFLICTS OF INTEREST FEE ONLY COMPENSATION NO HIDDEN AGENDA FULL DISCLOSURE LOW COST STRUCTURE INVESTMENTS USED FOR INVESTMENT MANAGEMENT
5 Reading the Fine Print Understanding what you are getting yourself into means looking for the message in the fine print, and a recent publication from the National Association of Personal Financial Advisors drives that point home: Federal and state law requires that Registered Investment Advisors (RIA) be held to a Fiduciary Standard. This requires an advisor to act solely in the best interest of the client at all times. RIAs must disclose any conflict, or potential conflict, to the client prior to and throughout a business engagement and must adopt a Code of Ethics and fully disclose how they are compensated. Unfortunately, only a small percentage of financial advisors are federally or state registered RIAs. Most so called financial advisors are considered Broker Dealers by the Securities and Exchange Commission (SEC). Brokers are not held to a Fiduciary Standard; they are held to the lower Suitability Standard. In fact, they are required by federal law to act in the best interest of their employer, not in the best interest of their clients. Because broker dealers are not necessarily acting in your best interest, the SEC requires them to add the following disclosure to your client agreement. Read this disclosure, and decide if this is the type of relationship you want to dictate your financial security: Your account is a brokerage account and not an advisory account. Our interests may not always be the same as yours. Please ask us questions to make sure you understand your rights and our obligations to you, including the extent of our obligations to disclose conflicts of interest and to act in your best interest. We are paid both by you and, sometimes, by people who compensate us based on what you buy. Therefore, our profits, and our salespersons compensation, may vary by product and over time. If this ABOVE disclaimer appears in agreements you are signing, you are not working with a Fiduciary advisor. If you wish to work with a broker, you should ask additional questions about how he or she is compensated, and where his or her loyalties lie. Then decide if the relationship is in your best interest. Be sure to read the fine print! They say a picture is worth a thousand words. I say a disclosure is worth your financial future. Rezny Wealth Management is a Fee Only SEC Registered Investment Advisor. We are completely independent from any outside influence. We are not an advisor of, or owned by, a brokerage firm or insurance company. Unlike commission based brokers and insurance agents, all of our compensation comes from our clients in a direct and fully disclosed manner. Fee Only means we do not accept commissions, referral fees, company kickbacks, or other incentives for the investment management we provide. We work for you, in Your Best Interest as a Fiduciary and as a Money Manager!
Fiduciary/Registered Investment Advisor Questionnaire FACTS to Know
Fiduciary/Registered Investment Advisor Questionnaire FACTS to Know Whom you entrust with your Financial Future Fiduciary vs. Suitability Why Should You Care? If you are concerned about your or your family
More informationFiduciary/Registered Investment Advisor Questionnaire - starts on Next page
Fiduciary/Registered Investment Advisor Questionnaire - starts on Next page Whom you entrust with your Investments and Investment Management is important for your Financial Security. Find out the Facts!
More informationTHE FIDUCIARY DIFFERENCE
Federal and state law requires that Registered Investment Advisors are held to a Fiduciary Standard. This law requires that an advisor act solely in the best interest of the client, even if that interest
More informationFiduciary/Registered Investment Advisor Questionnaire
Fiduciary/Registered Investment Advisor Questionnaire Why do you need to Focus on the Fiduciary Standard and a Fee-Only Registered Investment Advisor? Because Fee-Only Registered Investment Advisors, adhering
More informationWhat s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011
What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 Introduction Someone giving personal financial advice may use a variety of titles: financial adviser, financial consultant, financial
More informationCHOOSING A FINANCIAL ADVISOR
CHOOSING A FINANCIAL ADVISOR Prepared By Winer Wealth Management, Inc. 21243 Ventura Blvd. Suite 207 Woodland Hills, CA 91364 (818) 673-1695 www.winerwealth.com Common Concerns Do any of these sound familiar?
More information10 Investment Mistakes to Avoid: Common Errors, Investment Misconceptions, Lack of Knowledge and Greed!
10 Investment Mistakes to Avoid: Common Errors, Investment Misconceptions, Lack of Knowledge and Greed! Investors are often enticed by free or easy money, free bonuses, chasing returns, key emotions (Fear
More informationCutting through the Confusion
Cutting through the Confusion Where to Turn for Help with Your Investments What Services Do You Want? What Types of Providers Offer Assistance with Investments? How Do You Pay for These Services? What
More informationHow Financial Advisors Get Paid and
How Financial Advisors Get Paid and Why it Matters to You January 2012 Helping you take care of your money so you can do more of what you love! How Financial Advisors Get Paid and Why It Matters to You
More informationHow To Choose A Financial Advisor
How do you sift through the hype when looking for a comprehensive financial advisor? Will a firm with a huge advertising budget do the best job helping you meet life s financial goals? TV ads may talk
More informationHow To Choose A Comprehensive Financial Advisor
The NAPFA Comprehensive Financial Planning Diagnostic: Helping consumers understand what comprises truly comprehensive financial planning Consumers today are confused and rightly so. With so many financial
More informationComprehensive Financial Advisor Diagnostic
Comprehensive Financial Advisor Diagnostic The Comprehensive Financial Advisor Diagnostic, created by the National Association of Personal Financial Advisors (NAPFA), is a thorough questionnaire you can
More informationFinancial Professional Terms: What They Mean and Why You Should Care
Financial Professional Terms: What They Mean and Why You Should Care By Harold Evensky and William Reichenstein Broker, registered investment advisor, financial planner, insurance agent, investment advisor,
More informationHow to Choose a Financial Planner
How to Choose a Financial Planner Use these questions from the National Association of Financial Planners when you interview a financial planner. The answers are ours our effort to provide you the important
More informationWhat is an Investment Adviser?
What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this
More informationComprehensive Financial Advisor Diagnostic
How do you sift through the hype when looking for a comprehensive financial advisor? Will a firm with a huge advertising budget do the best job helping you meet life s financial goals? TV ads may talk
More informationBad Advisors: How to Identify Them; How to Avoid Them. Chapter 6. Fee-Only Advisors
Chapter 6 Fee-Only Advisors This will be a short and simple chapter (although one that should offend you as much as any of the chapters in this book). WHAT IS A FEE-ONLY ADVISOR? I went to the World Wide
More informationDo you have clients who might be willing to speak with me about your services? Yes No If no, explain: If no, explain:
How to Choose A Financial Planner Tough Questions To Ask What is your educational background? College degree Area of study: Graduate degree Area of study: What are your financial planning credentials/designations
More informationJASON M FOLSOM. 5103 Utica Ridge Rd Davenport, IA 52807-0000 563-383-0850. Princor Financial Services Corporation
JASON M FOLSOM 5103 Utica Ridge Rd Davenport, IA 52807-0000 563-383-0850 Princor Financial Services Corporation 650 8th Street Des Moines, IA 50392 (888)-774-6267 July 27, 2011 This Brochure Supplement
More informationImportant Information about Brokerage and Investment Advisory Services
Robert W. Baird & Co. Incorporated Important Information about Brokerage and Investment Advisory Services Understanding Brokerage and Investment Advisory Relationships Baird is registered with the Securities
More informationU.S. Investors & The Fiduciary Standard. A National Opinion Survey September 15, 2010
U.S. Investors & The Fiduciary Standard A National Opinion Survey September 15, 2010 Methodology The ORC/Infogroup survey was conducted August 19-23, 2010 among a sample of 2,012 adults comprising 1,007
More information3rd Annual Johns Hopkins Women in Business (WIB) Affinity Conference Remarkable Women: Power, Purpose, Passion
3rd Annual Johns Hopkins Women in Business (WIB) Affinity Conference Remarkable Women: Power, Purpose, Passion Personal Financial Planning, Retirement Planning, Investment Planning: Making it all fit for
More informationDisclosure of Conflicts of Interest. John Sullivan CFP, ChFC, CLU, AIF, MBA World Equity Group Arlington Heights, Illinois
Disclosure of Conflicts of Interest John Sullivan CFP, ChFC, CLU, AIF, MBA World Equity Group Arlington Heights, Illinois If the fiduciary standard were to be applied to brokers and insurance agents, they
More informationSHOULD YOU USE A FINANCIAL ADVISOR?
Handout 5-1: This publication will help you: Feel comfortable asking a financial advisor about their qualifications, expertise, and form of compensation; Understand the difference between a fiduciary advisor
More informationWorking with an HD Vest Advisor and Choosing the Right Services for You
Working with an HD Vest Advisor and Choosing the Right Services for You UNDERSTANDING DIFFERENCES BETWEEN COMMISSION-BASED ACCOUNTS AND FEE-BASED ACCOUNTS HD Vest provides a broad array of financial services
More informationInvesting in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor
Investing in More Objective Advice A Guide to Working With an Independent Registered Investment Advisor Compliments of Introduction Forty-six percent of wealthy households now use an independent advisory
More informationInvestment advisory and brokerage services
Investment advisory and brokerage services A guide to what you should know before investing with us Differences in our services Wells Fargo Advisors can offer brokerage and investment-advisory account
More informationFinancial Planning Services & Standards of Care
Financial Planning Services & Standards of Care Presented By: Joseph W. Goetz, Ph.D. Associate Professor Department of Financial Planning, Housing, and Consumer Economics Presentation for FACS Teachers
More informationFirm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc.
Firm Brochure (Part 2A of Form ADV) 9200 Montgomery Road Cincinnati, Ohio 45242 (513) 771-7222 (888) 234-7982 www.taaginc.com info@taaginc.com This brochure provides information about the qualifications
More informationFinancial Advisors: An Overview
Financial Advisors: An Overview Working with a financial advisor (FA) can have a tremendous impact on your financial well-being. Knowing what type of FA is right for your needs and preferences is important.
More informationChoosing Your Investment Advisor.
The following information and opinions are provided courtesy of Wells Fargo Bank, N.A. Choosing Your Investment Advisor. Content Content of this report is adapted from Chapter 15, Choosing Your Doctor:
More informationThe Truth About Fees
The Truth About Fees One of the most confusing issues to many investors is determining exactly what fees they are paying on their investments and investment programs. Fees are often a key factor in the
More informationFinancial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You
White Paper Financial Advisors: Choosing Between Insurance Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You Infinium Investment
More informationHow to Choose A Financial Planner Tough Questions To Ask
How to Choose A Financial Planner Tough Questions To Ask What is your educational background? College degree Area of study: BS Accounting, University of Missouri, Kansas City Graduate degree Area of study:
More informationHow do I choose the right advisor?
Discover the difference with a Registered Investment Advisor. How do I choose the right advisor? Important questions to ask before you hire an investment advisor. This content is made available by Charles
More informationHow to Select the Right Financial Advisor
Q3 2013 Oxford Communiqué Investor Report: How to Select the Right Financial Advisor By The Oxford Club Research Team NOTE: The Oxford Club is not a broker, dealer or licensed investment advisor. No person
More informationthe finishrich advisor questionnaire
Bach_0767904818_4p_bmb_r1.qxd 1/2/03 3:51 PM Page 203 the finishrich advisor questionnaire 5 Questions to Ask Yourself, and 10 Questions to Ask the Advisor My FinishRich Book Series (Smart Women Finish
More informationA Motley Fool Special Report Takeaway:
12 Questions to Ask Your Financial Advisor (and Yourself) Before Investing Start with a hard look at your style, then find a reputable broker to match it. Before you let a stranger manage your money (even
More informationStraight Talk About Fees
Straight Talk About Fees If you have decided the time is right to seek the help of a financial advisor, you may have already realized there is a lot of information to wade through to find the right planner
More information10 Questions to Ask Before Choosing a Financial Advisor
Perspectives 10 Questions to Ask Before Choosing a Financial Advisor By Melissa Rudy and Jim Dowd Posted: 05-25-10 09:44 AM E-mail Article The recent financial crisis has served as a wake-up call for many
More informationNET WORTH ADVISORY GROUP. Registered Investment Advisor
NET WORTH ADVISORY GROUP Registered Investment Advisor Form ADV Part 2A Investment Advisor Brochure NET WORTH ADVISORY GROUP, LLC Form ADV Part 2A Investment Advisor Brochure Name of Registered Investment
More informationTop Considerations Before Hiring a Private Wealth Manager
Special Commentary Top Considerations Before Hiring a Private Wealth Manager Hiring a private wealth manager can seem like a complicated decision. This is especially the case for those who may not have
More informationKMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE
KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 361 573-4383 Fax 361 573-1168 www.kmhwealth.com mail@kmhwealth.com 3/19/2014 FORM ADV PART 2 BROCHURE This brochure provides
More informationFinancial Planning for Seniors: The Process and Valuable Resources
Financial Planning for Seniors: The Process and Valuable Resources A Free Report Provided by Wisconsin Association of Homes and Services for the Aging 204 South Hamilton Street Madison WI 53703 (608) 255-7060
More informationchoosing a financial advisor
choosing a financial advisor INVESTING Few people have as significant of an impact on your life as your financial advisor. Money means flexibility and security so to pass off part of that responsibility
More informationGENERAL INFORMATION & DISCLOSURE BROCHURE
GENERAL INFORMATION & DISCLOSURE BROCHURE 266 Main Street Nashua, NH 03060 (603) 889-4300 Advanced Portfolio Design, LLC Advanced Portfolio Design, LLC first registered with the State of New Hampshire
More informationQuestions to Ask WHEN CHOOSING A FINANCIAL PLANNER CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC.
10 Questions to Ask WHEN CHOOSING A FINANCIAL PLANNER CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC. You may be considering help from a financial planner for a number of reasons, whether it s deciding
More informationCosts of Managing Wealth:
An Overview of Fees in the Industry A CORDANT WHITEPAPER tel 503.621.9207 email info@cordantwealth.com Learn more at cordantwealth.com SUMMARY When it comes to managing your wealth, there are many different
More informationForm ADV Part 2A Brochure March 30, 2015
Item 1 Cover Page Form ADV Part 2A Brochure March 30, 2015 OneAmerica Securities, Inc. 433 North Capital Avenue Indianapolis, Indiana, 46204 Telephone: 877-285-3863, option 6# Website: www.oneamerica.com
More informationInvestment Professionals
s s 10.2 Types of s s an When you need financial help, you can turn to an investment professional or team of professionals. These professionals may be brokers, investment advisers, certified public accountants,
More informationItem 1 Cover Page. Berthel Fisher & Company Financial Services, Inc. 701 Tama St., Bldg. B Marion, IA 52302 (319) 447-5700 www.berthel.
Item 1 Cover Page Berthel Fisher & Company Financial Services, Inc. 701 Tama St., Bldg. B Marion, IA 52302 (319) 447-5700 www.berthel.com Form ADV Part 2B Individual Disclosure Brochure For Bruce A Derks
More informationChoosing and Evaluating Financial Professionals
Milestone Financial Group David Hunt, CFP Financial Advisor 205-D Plaza Drive Greenville, NC 27858 252-756-7005 TF 877.706.7005 dave@milestonefinancialgroup.com Choosing and Evaluating Financial Professionals
More informationFinancial Adviser Interview Questionnaire Robert B. Friedland, Ph.D., CFP, AIF
Financial Adviser Interview Questionnaire Robert B. Friedland, Ph.D., CFP, AIF 1. Why did you become a financial planner? To help people make financial and investment decisions with confidence. We are
More informationPart 2A of Form ADV: Firm Brochure
Part 2A of Form ADV: Firm Brochure Item 1 Cover Page A. VL Capital Management LLC 55 West Church Street Orlando, FL 32801 Mailing Address: P.O. Box 1493 Orlando, FL 32802 Phone: (407) 412-6298 Effective
More informationDo You Need a Financial Planner?
CHAPTER 2 Do You Need a Financial Planner? A Word About Self-Help Now that you know about the basics of the financial planning process, do you think you can do it yourself? Only you can answer that question,
More informationFinancial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5
Index Financial Advisor Value Proposition Page 2 Financial Advisor Types Page 4 Investment and Financial Planning Careers Page 5 Selecting a Sound Financial Advisor Page 6 Common Advisor Concerns Financial
More informationy ou don t need to be a millionaire to
y ou don t need to be a millionaire to benefit from comprehensive financial planning. Whether you have thousands or millions of dollars to invest, you are entitled to help from a financial advisor who
More informationIN THE ENVIRONMENT WE RE IN, MANY PEOPLE NEED ADVICE JUST ON CHOOSING AN ADVISOR.
CHOOSING AN ADVISOR IN THE ENVIRONMENT WE RE IN, MANY PEOPLE NEED ADVICE JUST ON CHOOSING AN ADVISOR. * * * Today there are financial advisors everywhere you look. Banks, brokerage firms, insurance agencies,
More informationFerguson-Johnson Wealth Management
Firm Brochure (Part 2A of Form ADV) Item 1 Cover Page Ferguson-Johnson Wealth Management Investment Counseling & Wealth Management for Individuals & Institutions 51 Monroe St. Suite PE 25 Rockville, MD
More informationFinancial Solutions LLC
Financial Solutions LLC Form ADV Part 2A February, 2014 4946 Donegal Cliffs Drive Dublin, Ohio 43017 614 604 3551 www.financialsols.com This brochure provides information about the qualifications and business
More informationNine Questions To Ask Your Next Advisor Before You Hire Them
Balancing Risk In Retirement Giving You Insight Into The Advisor s Character & Expertise Nine Questions To Ask Your Next Advisor Before You Hire Them Brought to you by Philip A. Guske, CFP Nine Questions
More informationFinancial Adviser Interview Questionnaire
Financial Adviser Interview Questionnaire 1. Why did you become a financial planner? To help people make financial and investment decisions with confidence. We are dedicated to providing assistance without
More informationWhat You Don t Know Can Hurt You
What You Don t Know Can Hurt You Your 401(k) Plan Investment Advisor May Be Forced to Drop Your Retirement Plan. What You Need to Know About The Dodd-Frank Reform and Consumer Protection Act And the Meaning
More informationFirm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance.
Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500 www.independentadvisoralliance.com October 21, 2015 This brochure provides information about the qualifications
More informationProfessional Advisors Alliance
advisory ADVISORY Consulting services SERVICES Professional Advisors Alliance Building Strategic Partnerships Member FINRA/SIPC Program Overview Maintaining profitability amid increased competition, a
More informationSequoia Wealth Wrap Program
Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure Item 1: Cover Page April 2015 Sequoia Wealth Wrap Program Regency Wealth Management 201 South Riverheath Way Evergreen Building Suite 1400 Appleton,
More informationBroker, Advisor, Planner, Robo Advisors: Who does what?
Broker, Advisor, Planner, Robo Advisors: Who does what? Presented by: Karen C. Altfest, Ph.D., CFP Altfest Personal Wealth Management September 26, 2015 The Challenge of Finding the Right Advisor Approximately
More informationBollinger. Capital Management
Bollinger, Inc. 1200 Aviation Blvd. Suite 201 Redondo Beach, CA 90278 310-798-8855 www.bollingercapital.com Investment Advisor Brochure (Form ADV Part 2A) Updated December 2015 Item 1 Cover Page This Brochure
More informationSnowden Capital Advisors LLC
Snowden Capital Advisors LLC 660 Madison Avenue, Floor 14 New York, New York 10065 Phone: (646) 218 9760 Fax: (646) 218 9778 www.snowdenadvisors.com Form ADV Part 2B: Brochure Supplement for: Michael Bird
More informationTips for Avoiding Bad Financial Advice
Tips for Avoiding Bad Financial Advice This guide is a free public service from Paladin Registry. It contains information that will increase your awareness about issues that concern advisors and help you
More informationIPS RIA, LLC CRD No. 172840
IPS RIA, LLC CRD No. 172840 ADVISORY CLIENT BROCHURE 10000 N. Central Expressway Suite 1100 Dallas, Texas 75231 O: 214.443.2400 F: 214-443.2424 FORM ADV PART 2A BROCHURE 1/26/2015 This brochure provides
More informationWeek 2: Annuities and Mutual Funds
Week 2: Annuities and Mutual Funds Insurance companies issue ALL annuities sold by Insurance Agents, Brokerage Firms and Banks An annuity is a contractual relationship Annuities are not subject to Security
More informationStravolo Wealth Management, LLC
Part 2A of Form ADV: Firm Brochure Item 1 Cover Page Part 2A of Form ADV: Firm Brochure Stravolo Wealth Management, LLC 775 Spartan Blvd, Suite 105 Spartanburg, SC 29301 Telephone: (864) 587-1685 Fax:
More informationPillar Wealth Management, LLC. Client Brochure
Pillar Wealth Management, LLC. Client Brochure This brochure provides information about the qualifications and business practices of Pillar Wealth Management, LLC.. If you have any questions about the
More informationDennis Matthew Breier d/b/a Fairwater Wealth Management
Item 1 Cover Page Dennis Matthew Breier d/b/a Fairwater Wealth Management Registered Investment Adviser 16W455 S. Frontage Road, Suite 311 Burr Ridge, Illinois 60527 (630) 282-6520 phone (630) 282-6520
More informationPotter Financial Solutions, Inc. 2542 W 108 th Place Westminster, CO 80234 303-819-8056 www.potterfinancialsolutions.
Potter Financial Solutions, Inc. 2542 W 108 th Place Westminster, CO 80234 303-819-8056 www.potterfinancialsolutions.com 03/01/2016 This Brochure provides information about the qualifications and business
More informationMyles Wealth Management, LLC. 59 North Main Street Florida, NY 10921 845-651-3070. Form ADV Part 2A Firm Brochure.
Myles Wealth Management, LLC 59 North Main Street Florida, NY 10921 845-651-3070 Form ADV Part 2A Firm Brochure February 23, 2015 This Brochure provides information about the qualifications and business
More informationMark Phillips & Associates 19712 MacArthur Blvd., Suite 225 Irvine CA 92612 (949) 333-6394. Interview Questions and Answers as of January 2013
Mark Phillips & Associates 19712 MacArthur Blvd., Suite 225 Irvine CA 92612 (949) 333-6394 Interview Questions and Answers as of January 2013 Do you have experience in providing advice on the following
More informationBringing You A More Personalized Financial Services Experience.
Bringing You A More Personalized Financial Services Experience. Member of FINRA & SIPC, and a Registered Investment Advisor AN ADVISOR-CENTERED CULTURE Founded in 2005, Madison Avenue Securities has redefined
More informationIQTick Advisors. Form ADV Part 2A Disclosure Brochure
Form ADV Part 2A Disclosure Brochure Effective: January 4, 2013 This Disclosure Brochure provides information about the qualifications and business practices of PredictWallStreet, Inc. d/b/a ( IQTick ).
More informationCorporate Executive Financial Planning Services. A financial advisor acting in your best interest may be doing just that. Acting.
Corporate Executive Financial Planning Services A financial advisor acting in your best interest may be doing just that. Acting. The Challenge Employees spend an average of 1-3 hours weekly tinkering with
More informationNorthwest Quadrant, LLC 63088 NE 18 th Street, Suite 190 Bend, OR 97701 (541) 388-9888. Firm Contact: Tyler Simones Chief Compliance Officer
Item 1: Cover Page Part 2A Appendix 1 of Form ADV: Wrap Fee Program January 2015 Northwest Quadrant, LLC 63088 NE 18 th Street, Suite 190 Bend, OR 97701 (541) 388-9888 Firm Contact: Tyler Simones Chief
More informationADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel
ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel Part 2A of Form ADV The Brochure 2700 Post Oak Blvd., Suite 1200 Houston, TX 77056 (713) 621-1155 www.ahcinvest.com Updated:
More informationFinancial Planning Services
UBS Financial Services Inc. SEC File Number 801-7163 1000 Harbor Boulevard March 31, 2015 Weehawken, NJ 07086 (201)352-3000 http://financialservicesinc.ubs.com Financial Planning Services This brochure
More informationVariable Annuity Compensation by Share Class
Variable Annuity Compensation by Share Class UBS's compensation for selling variable annuities varies depending upon the following factors: 1. The issuing insurance company 2. The age of the investor 3.
More informationIchose to be a financial planner because I want to truly make a difference in people s
Ichose to be a financial planner because I want to truly make a difference in people s lives, especially as they retire. Growing up, I watched my father work two and three jobs just to make ends meet.
More informationThe Business Survey - What it is and How to Prepare
The Business Survey A professional Process to Overcome the Risks to Business Success Inventory Equipment Goodwill Receivables Key People Real Estate External Risk Higher Taxes Rising Health Care Costs
More informationCustom Wealth Manager Wrap Fee Program Brochure
Custom Wealth Manager Wrap Fee Program Brochure March 30, 2016 Lincoln Financial Securities Corporation 1300 South Clinton St., Suite 150 Fort Wayne, IN 46802 (800) 258-3648 www.lfsecurities.com This wrap
More informationFinancial Advisor Interview Questionnaire
Financial Advisor Interview Questionnaire Advisor name: Company Name: Cyril S. White White House Financial & Investment Solutions, LLC Date: May 30, 2013 Why did you become a financial advisor? I became
More informationWebster Wealth Advisors, Inc.
Webster Wealth Advisors, Inc. 195 Danbury Road, Suite 220 Davenport Building Wilton, CT 06897 (888) 862 9644 www.websterwealthadvisors.com March 30, 2015 This Brochure provides information about the qualifications
More informationCFP Board s Standards of Professional Conduct: Frequently Asked Questions
December 2010 CFP Board s Standards of Professional Conduct: Frequently Asked Questions INTRODUCTION This document of answers to Frequently Asked Questions (FAQs) concerning CFP Board s Standards of Professional
More informationInvestment Advisors. Form ADV Part II. 265 Brookview Centre Way, Suite 504 Knoxville, TN 37919 865-583-7390. www.trustfirst.com
Investment Advisors Form ADV Part II 2015 265 Brookview Centre Way, Suite 504 Knoxville, TN 37919 865-583-7390 www.trustfirst.com Table of Contents Page 3 Page 3 Page 4 Page 4 Page 4 Page 4 Page 4 Page
More informationLincoln Financial Advisors Corporation Financial Planning Brochure
. Lincoln Financial Advisors Corporation Financial Planning Brochure March 26, 2015 Lincoln Financial Advisors Corporation 1300 South Clinton St., Suite 150 Fort Wayne, IN 46802 (800) 237-3813 www.lfa-sagemark.com
More informationImportant Considerations Regarding Wealth Managers
Important Considerations Regarding Wealth Managers 362 West Bridge Street, New Hope, PA 18938 200 Harry S. Truman Parkway, Annapolis, MD 21401 With certainty, we can say that in this temporary economic
More informationGeoWealth Management, LLC. 444 N. Michigan Avenue, Suite 820 Chicago, IL 60611. March 2015
FORM ADV PART 2A: Firm Brochure GeoWealth Management, LLC 444 N. Michigan Avenue, Suite 820 Chicago, IL 60611 March 2015 CRD 148222 This (the Brochure ) provides information about the qualifications and
More informationHow do I become an HD Vest Advisor? Education and Licensing
How do I become an HD Vest Advisor? Education and Licensing For more than 30 years, we ve remained steadfast in our mission to give every American the opportunity to have access to a skilled financial
More informationTIPS FOR CONSUMERS Selecting an Advisor
TIPS FOR CONSUMERS Selecting an Advisor Insured Retirement Institute www.irionline.org Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each
More informationCustom Wealth Manager Wrap Fee Program Brochure
Custom Wealth Manager Wrap Fee Program Brochure March 26, 2015 Lincoln Financial Securities Corporation One Granite Place Concord, NH 03301-3258 (800) 258-3648 www.lfsecurities.com This wrap fee program
More informationFORM ADV PART 2 Brochure
FORM ADV PART 2 Brochure Guardian Wealth Management, Inc. 311 SW Water Street Suite 210 Peoria, IL 61602 309/692 1460 Email: info@gwmanagers.com Website: www.gwmanagers.com March 31, 2015 This brochure
More informationJohn A. Haslem. It is a truism that crisis calls for change. Arthur B. Laby [2010]. This study assesses the engagement of financial advisors
JOHN A. HASLEM is professor emeritus of finance in the Robert H. Smith School of Business at the University of Maryland in College Park. jhaslem@rhsmith.umd.edu. The New Reality of Financial Advisors and
More information