Fiduciary/Registered Investment Advisor Questionnaire - starts on Next page
|
|
- Hollie Little
- 8 years ago
- Views:
Transcription
1 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! Use this quick questionnaire and compare the answers with the answer guide provided. It s your Money, become an informed investor, You ll be happy you did! How do you weed out a Salesman of investment products who doesn t work in your best interest and who doesn t actually manage your Investments? The following Fiduciary/Registered Investment Advisor (RIA) Questionnaire will help you better understand who actually works for you as a Money Manager and who has a legal obligation to work in your Best Interest. Here are a few facts you should know: 1. Fee-Only Registered Investment Advisors (RIA), adhering to a Fiduciary Standard, act in the client s best interests; registered to provide Investment Advisory Services and Investment Management. 2. These advisors are Not Fiduciaries: Stock Brokers, Insurance Agents, Advisors, Financial Consultants, Wealth Managers or Registered Representatives; all who benefit from selling you an investment or financial products for commissions. This is the vast majority of so-called advisors. 3. The Securities and Exchange Commission published a report examining the public s understanding of the differences between brokerage firms (Companies selling investments and products) and investment advisory firms (those giving advice or managing investments for a fee), and found that there is much confusion in the mind of the public between the two. Survey results indicate 76% of Americans do not know the difference between a broker/dealer and a Registered Investment Advisor (RIA). 4. People in the financial business currently have the freedom to call themselves whatever they like: "financial advisor," "financial planner," or "financial consultant", are all popular. One primary reason is the term financial advisor is often utilized by stockbrokers, insurance agents and others who are looking to sell you a product. 5. A "broker/dealer representative" is a salesman of stocks, bonds and mutual funds. Many times they are also involved with the sale of insurance and annuity products (all for commissions). "Insurance agents" represent the interests of one or more insurance companies and only get paid when they sell a policy. 6. Neither the broker/dealer representative nor the insurance salesman gets paid to provide advicehence, they are not truly "advisors". These individuals only get paid when they sell a product- they are salesmen. As you might expect, salesmen only come around when they have a product to sell. Salesmen do not make a living servicing the products they have already sold. 7. Fee-Only Registered Investment Advisors (RIA) do not sell products. They work for their clients and are only compensated by their clients in exchange for professional advice. Thus, a fee-only advisor s compensation encourages objective advice and behavior that is always in the client s best interest.
2 Fiduciary/Registered Investment Advisor Questionnaire Questions for potential advisor: 1. How are you and your firm compensated? Fee-Only Fee-Based Fee-Offset Commissions or Fee in Lieu of commissions brokerage account 2. Do you have a Written Investment Advisory Agreement and Form ADV Part 2 Brochure describing your compensation and Investment Advisory Services that will be provided in advance of the engagement? 3. If you, your firm or broker-dealer earn commissions, approximately what percentage of your firm s Commission income is derived from? % Insurance products % Annuities % Mutual Funds % Limited Partnerships or REITs % Stocks and Bonds % Fee in Lieu of commission brokerage account, (this is a form of commission) % Other: Explain 4. Does any member of your firm or Broker-Dealer act as a general partner, participate in, or receive compensation from investments you may recommend to me? 5. Do you receive referral fees from attorneys, accountants, insurance professionals, mortgage brokers, or others? 6. Do you or your firm receive on-going income from any of the Mutual funds, Variable Annuities or any Investment Products that you recommend in the form of "12(b)1" fees, "trailing" commissions, or other continuing payouts? Page 1 of 3
3 7. Are there financial incentives for you, your firm or your Broker-Dealer, to recommend certain financial products? (Such as: commissions, proprietary product sales, firm sponsored products with selling agreements, hidden fees, soft dollar arrangements, sales incentives, revenue sharing arrangements and sales trips, etc.) 8. Do you, your firm, your Broker-Dealer or Insurance Company create, sponsor, or underwrite any financial or investment products, like Mutual Funds, Annuities, Stocks or Bonds, Unit Investment Trusts or others, that are sold to your clients for commissions or fees? 9. Are you currently engaged in any other business, either as a sole proprietor, partner, officer, employee, trustee, agent or otherwise? (Exclude non-investment related activities which are exclusively charitable, civic, religious or fraternal and are recognized as tax-exempt.) 10. Will I have a Brokerage Account with your firm or an Investment Advisory Account? Brokerage Account Investment Advisory Account 11. Do you act as a Fiduciary and an Independent Fee-Only Registered Investment Advisor under a Money Manager capacity, who is responsible for actively managing our portfolio and investments, and making appropriate changes as necessary within our goals, objectives and risk profile, under a Registered Investment Advisory Agreement? 12. Will you sign the Fiduciary Oath below? FIDUCIARY OATH The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest which will or reasonably may compromise the impartiality or independence of the advisor. The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client's business. Page 2 of 3
4 What the Fiduciary Oath means to you - the client I shall always act in good faith and with candor. I shall be proactive in my disclosure of any conflicts of interest that may impact you. I shall not accept any referral fees or any Commissions or any trailing compensation that is contingent upon the purchase or sale of a financial product. Signature Name Date Firm Name Page 3 of 3
5 Answer Guide Do Not Provide This Answer Guide to The Person Completing The Fiduciary Questionnaire. This is Your Answer Guide Only. The following answer guide will provide you with the recommended answers to the questions contained within the Fiduciary Questionnaire. By comparing the answers provided to you by the advisor with these recommended answers, you will be able to better understand whether or not the advisor in question holds to a Fiduciary Standard and is Registered to provide Investment Advisory Services. 1. How should a financial advisor charge for services? Strongly consider a Fee-Only Registered Investment Advisor. A Fee-Only engagement removes the potential conflicts of interest that are inherent in a commission relationship with a brokerage firm or insurance company. Fee-Only Registered Investment Advisors put their client s interests first and therefore hold to a Fiduciary Standard. A broker does not. 2. Prior to formalizing a relationship, a financial advisor should always provide you information which clearly discloses how she/he will be compensated: Fee-Only, Fee-Based, commissions only. Ask for this information prior to commencing a relationship, and if there are any corresponding conflicts of interest presented by the compensation arrangement. Be aware that your interests might not always be placed ahead of the advisors. A Registered Investment Advisor (RIA) is registered to provide Investment Advisory Services, a broker is not. If the firm you are working with or interviewing, does not provide A Registered Investment Advisory Agreement and a Form ADV Part 2 Brochure, you are NOT working with a Registered Investment Advisor and you do NOT have an Investment Advisory Account; you have brokerage account and a broker. Financial advisors who have no apparent conflicts of interest are more likely to be considered a Fiduciary. 3. You should consider using a Fee-Only Registered Investment Advisor to minimize the potential for conflicts of interest; you may instead select an advisor who accepts commissions. Financial advisors who are compensated based on commissions, should be able to explain how they are compensated and identify what percentage of their compensation is derived from the sale of various commission-based investment products and/or securities trading. Financial Advisors who do receive commissions but cannot account for how they are compensated, should raise serious questions from the consumer. Consider a Fee-Only Registered Investment Advisor to eliminate as many conflicts of interest as possible. 4. Ask your prospective financial advisor if she/he is limited to presenting certain types of investments or investment products to you. If so, inquire why she/he is limited, and how this might affect the success of attaining your goals and/or the amount of fees to be paid. 5. As you work with a financial advisor, other needs revolving around important financial issues will become evident. Certain advisors, for example, recommend attorneys, accountants, insurance agents, and mortgage brokers to their clients. You should inquire whether the financial advisor will receive a referral fee for the recommendation. If the financial advisor does receive a referral fee or
6 some other type of compensation from the professional(s) that she/he may recommend to you, you should seriously consider this conflict of interest prior to engaging the recommended professional. Financial Advisors receiving a referral fee from other professionals for referring your business may not be acting in your best interests. A true Fiduciary will not receive any compensation from any outside sources. 6. Some mutual funds and investment product sponsors pay 12b(1) fees and similar fees. A financial advisor who receives 12(b)1 fees or trailers is not a Fee-Only Financial Advisor. Trailing fees may negatively affect you, because typically the product sponsor charges shareholders higher fees and then pays a portion of the money to the financial advisor on an ongoing basis. Utilize A Fee-Only Registered Investment Advisor to ensure a Fiduciary relationship. 7. Commission-based advisors may receive higher commissions on certain products they sell than on others. This may influence their decision to recommend investment products that are not in your best interest. Ask your prospective financial advisor how his/her recommendation might affect the success of attaining your goals and/or the amount of fees to be paid. Fee-Only advisors do not have this conflict of interest; they are able to recommend investments based solely upon your specific needs. Utilize A Fee-Only Registered Investment Advisor to ensure a Fiduciary relationship. 8. Many large and small Brokerage Firms and Insurance Companies create investment products that Their Brokers are required to sell. Even though there may be a much better investment for your needs, a Commission Advisor may have to (and is more likely to) sell their firms sponsored or created investment products. This means your interests are sent to the back of the line. Many of these investment products have High Internal Yearly Fees, Huge Commissions, Front-End Commission and Back-End Sales Loads, and may not be in your best interest. Utilize A Fee-Only Registered Investment Advisor to ensure a Fiduciary relationship. 9. By knowing what other business ventures a financial advisor is involved in, you will better understand if there are any conflicts of interest with regard to the advice that you might receive. This is especially important if the advisor is involved with any other investment-related entity. Ask for a detailed account of how that relationship will impact the advice she/he will provide you. The outside relationship may be in conflict with your personal interests. 10. A Brokerage Account is NOT an Investment Advisory Account; You want an Investment Advisory Account, not a brokerage account. When you have a brokerage account, not an Investment Advisory Account, you are responsible for managing your own investments, researching your own investments, and developing your own investment strategy your broker is NOT responsible (although most investors think that s what they do).
7 This disclosure below shows up on EVERY brokerage agreement you sign. This is mandated by the Security and Exchange Commission (SEC). It clearly states that you have a salesman, your broker or brokerage firm s interests are not the same as yours, and you have a brokerage account NOT an advisory account. 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. 11. Most stock brokers and so-called advisors do not manage investment portfolios or your investments, and are not responsible to actively watch, continuously research, or contact you to make timely changes to your investments or portfolio after you purchase those investments. An Independent Fee-Only Registered Investment Advisor under a money manager capacity is responsible for actively managing your portfolio and investments, actively monitoring, continuously researching and making timely changes to your investments or portfolio when necessary within your goals, objectives and risk profile. 12. Accountability is important in investment management. While there are many people in the financial services industry who profess to have the client s best interests at heart, they still may make recommendations that present a conflict of interest. If your Financial Advisor, or prospective Financial Advisor, satisfactorily answered these questions, then that Financial Advisor most likely holds to a Fiduciary Standard and offers Investment Advisory Services. This means he/she is placing your interests ahead of their own. Don t settle for less than the Fiduciary Standard or an Independent Fee-Only Registered Investment Advisor (RIA). Rezny Wealth Management, Ltd. A Fee-Only SEC Registered Investment Advisor
Fiduciary/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 informationFiduciary/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 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 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 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 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 informationThis is what You should know to Protect Yourself and Your Wealth
Are you being Fooled by Titles? How to Protect Yourself! Every week I receive dozens of calls, emails or questions from investors just like you who finally realize the person they entrusted with their
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 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 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 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 informationHow to Choose a Financial Consultant : Tough Questions to Ask
How to Choose a Financial Consultant : Tough Questions to Ask Sally W. Munford & Kevin P. Moore 1901 N.W. Military Hwy., Suite 222 San Antonio, Texas 78213 Phone: 210/342-4346 Fax: 210/308-6815 Website:
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 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 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 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 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 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 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 informationDisclosures. 2012 RIA Compliance Consultants, Inc.
Disclosures This sample Outside Business Activity Reporting Form has not been customized to your investment adviser s business model, the specific investment advisory rules of your investment adviser s
More informationHow To Know More About Douglas W. Jones Financial And Insurance Services
Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630 Phone: 949-699-1660 Fax: 949-699-1069 Web Site: www.jonesfinancial.com February
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 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 informationERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information
ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information This information is being provided to you as the Plan Sponsor or other responsible fiduciary of a retirement plan ("Plan") subject
More informationWEALTH ADVISORY SERVICES AGREEMENT
WEALTH ADVISORY SERVICES AGREEMENT THIS AGREEMENT sets forth contract terms between truenorth Financial Services, LLC doing business as truenorth Wealth Advisors (truenorth, we or us) and Client 1 & Client
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 informationG&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure
G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure 9 East 40 th Street, 15 th Floor, New York, NY 10016 www.gassmanfg.com Updated: March 28, 2014 This brochure provides information about the
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 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 informationVintage Financial Services, LLC. 101 North Main Street, Suite 800. Ann Arbor, MI 48104 (734) 668 4040. www.vintagefs.com
Vintage Financial Services, LLC 101 North Main Street, Suite 800 Ann Arbor, MI 48104 (734) 668 4040 www.vintagefs.com E mail: Succeed@VintageFS.com Brochure dated January 27, 2015 This brochure updates
More informationForm ADV Part 2A Disclosure Brochure
Form ADV Part 2A Disclosure Brochure Effective: February 3, 2014 This Disclosure Brochure provides information about the qualifications and business practices of Congress Capital Partners, LLP ( Congress
More informationRegency Wealth Management 201 South Riverheath Way Evergreen Building Suite 1400 Appleton, WI 54915 P: (920) 739-5549 F: (920) 739-0639
Form ADV Part 2A Firm Brochure Item 1: Cover Page April 2015 Regency Wealth Management 201 South Riverheath Way Evergreen Building Suite 1400 Appleton, WI 54915 P: (920) 739-5549 F: (920) 739-0639 Firm
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 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 informationADV Part 2. Additional information about Shotwell Rutter Baer is available on the SEC s website at www.advisorinfo.sec.gov.
Item 1 Cover Page ADV Part 2 Shotwell Rutter Baer Inc Registered Investment Advisor Elizabeth Ellen Baer CFP, President 6350 West Michigan Avenue, Suite 200 Lansing, MI 48917 517-321-4832 www.rutterbaerinc.com
More informationBroker-Dealer and Registered Investment Advisor Fee Disclosure of the Transamerica Financial Group Division of TFA
Broker-Dealer and Registered Investment Advisor Fee Disclosure of the Transamerica Financial Group Division of TFA This disclosure summarizes fees and other compensation received by Transamerica Financial
More information1400 Shattuck Avenue, Suite 1 Berkeley, CA 94709 www.deyoewealthmanagement.com www.happinessdividend.com
Part 2A of Form ADV: Firm Brochure Item 1: Cover Page April 2014 1400 Shattuck Avenue, Suite 1 Berkeley, CA 94709 www.deyoewealthmanagement.com www.happinessdividend.com Firm Contact: Nancy Wright Cooper
More informationFSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115. Waterloo, IA 50701 Phone: 800-747-9999. Fax: 319-291-8626. www.fsbfs.
FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115 Waterloo, IA 50701 Phone: 800-747-9999 Fax: 319-291-8626 www.fsbfs.com This brochure provides information about the qualification and
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 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 informationUnderstanding Retirement Plan Fees and Expenses
Understanding Retirement Plan Fees and Expenses To view this and other EBSA publications, visit the agency s Web site at: www.dol.gov/ebsa. To order publications, contact us electronically at: www.askebsa.dol.gov.
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 informationDisclosure Brochure for Retirement Plan Fiduciaries
Disclosure Brochure for Retirement Plan Fiduciaries Important information regarding services and compensation for retirement plan assets invested in UBS Select and other assets held away from UBS Retirement
More informationJohanson Financial Advisors, Inc. 2105 South Bascom Avenue, Suite 255 Campbell, CA 95008. Firm Contact: Lynda Tu Chief Compliance Officer
Part 2A of Form ADV: Firm Brochure Item 1: Cover Page June 2015 Johanson Financial Advisors, Inc. 2105 South Bascom Avenue, Suite 255 Campbell, CA 95008 Firm Contact: Lynda Tu Chief Compliance Officer
More informationKADEMIAN FINANCIAL GROUP, INC. 111 East Kilbourn Avenue Suite 1850 MILWAUKEE, WI 53202 414-289-9925. marsha@kademianfg.com
KADEMIAN FINANCIAL GROUP, INC. 111 East Kilbourn Avenue Suite 1850 MILWAUKEE, WI 53202 414-289-9925 marsha@kademianfg.com 3/1/2011 FORM ADV PART 2 BROCHURE This brochure provides information about the
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 informationWacker Wealth Partners, LLC
Item 1 Cover Page Wacker Wealth Partners, LLC SEC File Number: 801 68752 Part 2A, Firm Brochure Dated 6/17/2015 Contact: Alex Pock, Chief Compliance Officer 973 Higuera Street, Suite A San Luis Obispo,
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 informationRitholtz Wealth Management 90 Park Avenue, 18 th Floor New York, NY 10016. Firm Contact: Kristopher Venne Chief Compliance Officer
Form ADV Part 2A: Firm Brochure Item 1: Cover Page October 2014 Ritholtz Wealth Management 90 Park Avenue, 18 th Floor New York, NY 10016 Firm Contact: Kristopher Venne Chief Compliance Officer Firm Website:
More informationAll Season Financial Advisors, Inc. All Season Financial Advisors, Inc.
Item 1 Cover Page All Season Financial Advisors, Inc. SEC File Number: 801 16626 All Season Financial Advisors, Inc. Brochure Dated 3/12/2015 Contact: Samuel F. Jones, Chief Compliance Officer 731 Sherman
More informationPart 2A Brochure. Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403
Part 2A Brochure Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403 This brochure provides information about the qualifications and business practices of Investus
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 informationMutual Fund Share Classes and Compensation
July 2015 Mutual Fund Share Classes and Compensation summary You have many funds to choose from when it comes to investing your money. Once you choose a fund, you may also need to choose among the fund
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 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 informationSnowden Capital Advisors LLC
Snowden Capital Advisors LLC 540 Madison Ave, 9 th Floor New York, New York 10022 Phone: (646) 218-9760 Fax: (646) 218-9778 www.snowdenadvisors.com Form ADV Part 2B: Brochure Supplement for: 540 Madison
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 informationBuck Financial Advisors, LLC Charles P. Buck 9733 Wellington Ridge Woodbury, MN 55125 651-330-3585 www.buckfinancial.
Buck Financial Advisors, LLC Charles P. Buck 9733 Wellington Ridge Woodbury, MN 55125 651-330-3585 www.buckfinancial.com March 1, 2013 This Brochure provides information about the qualifications and business
More informationInvestment Advisor Brochure and Supplement Form ADV Parts 2A and 2B. Financial Advisor For You, LLC A Registered Investment Advisor
Investment Advisor Brochure and Supplement Form ADV Parts 2A and 2B Financial Advisor For You, LLC A Registered Investment Advisor Michael S Wroblewski, CFP, Managing Member 1820 Wyoming Avenue, NW Washington,
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 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 informationadvanced strategy as an arrow in your product offering quiver is impressive to prospects, and an ego boost for the registered representative.
Financial products are sold, not bought. This is the reason that commission-based sales forces will always be the foundation of the financial services industry. Financial firms know that if their product
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 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 informationThe Investment Counsel Company of Nevada
Item 1 Cover Page The Investment Counsel Company of Nevada SEC File Number: 801 32353 ADV Part 2A, Firm Brochure Dated 3/24/2015 Contact: Michelle Konstantarakis, Chief Compliance Officer 10000 West Charleston
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 informationGOING HYBRID. Understand your options when building a hybrid RIA platform for your practice. HYBRID RIA KEY TAKEAWAYS
GOING HYBRID Understand your options when building a hybrid RIA platform for your practice. HYBRID RIA KEY TAKEAWAYS Is the hybrid RIA platform right for your practice? What does hybrid mean? What are
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 informationINSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014
INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014 This Brochure provides information about the qualifications and business
More informationWealth Management Platform. - Advisor Managed Portfolios - Part 2A Appendix 1. Program Brochure. For
Wealth Management Platform - Advisor Managed Portfolios - Part 2A Appendix 1 Program Brochure For VISION2020 Wealth Management Corp. One World Financial Center, 15th Floor New York, NY 10281 (800) 821-5100
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 informationMoller Financial Services
One Northfield Plaza, Suite 200 Northfield, Illinois 60093 847-441-7575 www.mollerfinancial.com December 31, 2014 This Brochure provides information about the qualifications and business practices of.
More informationPeople Changes This Form ADV - A Closer Look at Item 2
Item 1: Cover Page PEOPLE S SECURITIES, INC. Form ADV, Part 2A Olson Mobeck Investment Advisors Program Disclosure Brochure 850 Main Street, Second Floor Bridgeport, CT 06604 Contact Person: Dennis P.
More informationF I R M B R O C H U R E
Part 2A of Form ADV: F I R M B R O C H U R E Dated: 03/24/2015 Contact Information: Bob Pfeifer, Chief Compliance Officer Post Office Box 2509 San Antonio, TX 78299 2509 Phone Number: (210) 220 5070 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 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 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 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 informationPathfinder Financial Advisors. www.pathfinderfa.com
Pathfinder Financial Advisors 5908 Texas Drive, Vancouver, WA 98661 (360) 718-6380 www.pathfinderfa.com 03/27/2015 This Brochure provides information about the qualifications and business practices of
More informationPinnacle Associates Ltd. SEC File Number: 801 20841
Item 1 Cover Page Pinnacle Associates Ltd. SEC File Number: 801 20841 Brochure Dated: March 31, 2014 335 Madison Avenue New York, New York 10017 www.pinnacle-ny.com (212) 652-3200 Fax: 212-949-2029 This
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 informationKeefer Pension Consulting, Inc. Form ADV Part 2A Disclosure Brochure
Form ADV Part 2A Disclosure Brochure Effective: March 31, 2011 This Disclosure Brochure provides information about the qualifications and business practices of Keefer Pension Consulting, Inc. ( Keefer
More informationMutual Fund Share Classes and CGMI Compensation
Mutual Fund Share Classes and CGMI Compensation The following is from the Important New Account Information section ( INAI ) contained in your Welcome Book or other disclosures provided to you in connection
More informationForm ADV Part 2A Disclosure Brochure
Form ADV Part 2A Disclosure Brochure Effective: June 1, 2015 This Disclosure Brochure provides information about the qualifications and business practices of Connecticut Wealth Management, LLC ( CTWM ).
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 informationHow To Deal With A Conflict Of Interest In A Brokerage
CONFLICTS OF INTEREST General Description Actual, potential and perceived conflicts of interest exist in almost all human interactions. Our relationship with you is no different. For instance, MacDougall,
More informationFinancial Services International Corp aka fsic SEC File Number: 801 64354. fsic ADV Part 2A, Firm Brochure Dated: September 23, 2014
Item 1 Cover Page Financial Services International Corp aka fsic SEC File Number: 801 64354 fsic ADV Part 2A, Firm Brochure Dated: September 23, 2014 Contact: James Kim, Chief Compliance Officer 701 Fifth
More informationFiscal Fitness, LLC. A State of Wisconsin Registered Investment Adviser. Form ADV Part 2. April 29, 2014
Fiscal Fitness, LLC A State of Wisconsin Registered Investment Adviser Form ADV Part 2 April 29, 2014 211 E. Verona Ave. #4 Verona, WI 53593 608-848-1133 www.fiscalfitnessmadison.com This brochure provides
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 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 informationForm ADV Part 2 September 30, 2015
An Illinois Registered Investment Advisor 511 West Wesley Street Wheaton, IL 60564 Telephone: (630) 842 5609 Facsimile: (888) 391 6669 www.kefferfinancialplanning.com Form ADV Part 2 September 30, 2015
More informationKeystone Financial Planning, Inc.
Keystone Financial Planning, Inc. 7261 Engle Road Suite 308 Middleburg Heights, Ohio 44130 Telephone: 440.234.6323 Facsimile: 440.234.6844 Website: www.keystonefin.com February 10, 2014 FORM ADV PART 2
More informationForm ADV Part 2 Advisory Brochure March 25, 2014
Item 1 Cover Page A Florida & Georgia Registered Investment Advisor 2050 West County Road 30A/M1 Unit 230 Santa Rosa Beach, FL 32459 Tel: (850) 267 1068 Fax: (866) 889 0480 www.livingstonfinancial.net
More informationBROWN WEALTH MANAGEMENT, LLC
Item 1 Cover Page BROWN WEALTH MANAGEMENT, LLC ADV Part 2A, Brochure Dated: March 26, 2016 Contact: Timothy B. Brown, Chief Compliance Officer 12100 Singletree Lane, #175 Eden Prairie, MN 55344 952-303-6715
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 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 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 informationTandemGrowth Financial Advisors, LLC CRD # 125490
Item 1 Cover Page TandemGrowth Financial Advisors, LLC CRD # 125490 Brochure Dated 3/15/2013 Contact: Jeffrey Bernier, Chief Compliance Officer 3820 Mansell Road, Suite 290 Alpharetta, Georgia 30022 (770)
More informationFeltl and Company. Firm Brochure
Part 2A of Form ADV: Firm Brochure Item 1 Cover Page Feltl and Company Firm Brochure 800 LaSalle Ave, Suite 2100 Minneapolis, MN 55402 Wats: 866.655.3431 Fax: 612.492.8898 www.feltl.com March 31, 2011
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 information