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Our Fiduciary Duty

As independent investor advisor representatives, we are held to a strict fiduciary duty meaning we are required by law to act in the best interest of our clients at all times.  Most financial advisors and insurance representatives are held to a suitability standard, meaning they only have to recommend what is suitable for the client and not necessarily what is in their best interest.  The fiduciary duty is the absolute highest standard of accountability in the financial services industry. It’s very easy for a financial advisor to be a salesperson instead of a fiduciary. The industry is set up that way. We choose to work with Investment Advisor Representatives because their licensing and restrictions benefit and protect you, the investor.

We have a fiduciary responsibility to our clients. We benefit when you benefit, and our firm is committed to your priorities being our priorities.

Fiduciary duty extends solely to investment advisory advice and does not extend to advice relating to insurance product sales, including annuities, life insurance, and long term care insurance.  Further, advisory clients are charged quarterly fee for assets under management and receives commissions on insurance products sold, which may result in a conflict of interest.