Fiduciary Fight Part 4: Fiduciary Oath
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“Take a version of this fiduciary oath to the brokers down the street and ask them to sign it. If they refuse, ask why.”

Fiduciary Fight Part 3: Distinguish Between Brokers And Advisors
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I love that Bob Veres thinks that labeling someone as a broker or advisor would help bring clarity. It shows his optimism.

Jorge Posada And Jose Contreras Failed To Safeguard Their Finances
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Their attorney, New York-based Barry Lax, says the two ballplayers are the latest professional athletes abused by predatory financial advisors.

Fiduciary Fight Part 2: Additional Congressional Regulatory Oversight Can’t Be Trusted
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Congress cannot protect you from the financial sharks who contribute to their campaigns, but they may protect the sharks.

Fiduciary Fight Part 1: The Fight Over The Fiduciary Label
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The fight is on! Everyone wants to be known as a fiduciary, but not everyone deserves the title.

Planning Clients Often Don’t Get What They Pay For
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While I agree with the study, I don’t know that I agree with the prescribed solutions suggested.

Achieving Financial Peace Of Mind
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One goes to bed, while the other sits down to manage the family finances.

Most Americans Want Financial Advice From Humans
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An article title caught my eye recently: “Survey: Most Americans want financial advice from humans.”

Failed Experiment at the SEC
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Those who don’t understand or experience regulatory capture wrongly believe in a team of angels at these federal agencies tirelessly working for the common good.

SEC Q&A: What should I do if the financial professional claims that he or she is “certified”?
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We believe that NAPFA advisors are a well sought minority of financial advisors.

What Is The Most Important Attribute When Hiring An Investment Manager?
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Do you want to trust your advisor is acting in your best interests or do you want them to have the legal obligation and be free of commission-based conflicts of interest?

SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?
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You can get copies of Form ADV by accessing the Investment Adviser Public Disclosure (IAPD) website.

SEC Q&A: How do investment advisers get paid?
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How your advisor is compensated matters. Make sure you can follow the money and know how they are getting paid.

How Can I Tell Who Is Associated With A Broker-Dealer?
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If your advisor is on one of these lists you should be aware of how they are paid.

SEC Q&A: What questions should I ask when choosing an investment adviser or financial planner?
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Here are our answers and comments to the SEC’s eight suggested questions.

FINRA Supports Regulation to Quell Competition
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Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

Study on Investment Advisers and Broker-Dealers
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These are the wolves of Wall Street pretending to be the helpful sheep of investment advisors.

SEC Q&A: What is the difference between an investment adviser and a financial planner?
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This is why we call ourselves comprehensive wealth managers.

Advisers Worry About Potential Costs Of Third-Party Exams
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“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

Investment Advisors vs. Brokers
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Low risk firms should be visited less frequently by the SEC.

Mutual Funds Offer Good Governance Assistance
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Investing in mutual funds and ETFs offers an efficient solution for investors to engage in corporate governance issues. When you purchase a fund, you authorize fund managers to vote proxies on your behalf.

Five Unbelievable Financial Advisor Regulations
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To comply, most firms must archive and report massive amounts of information. Here are five of the more interesting regulations.

How To Tell If Your Financial Advisor Is Really “Fee-Only”
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Many will mislead you into thinking they are “fee-only” when they are not.

The Importance Of The Investment Policy Statement
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Adherence to the fiduciary standard is all about process.

Hedge Fund Advice In One Word: Don’t
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The documents where you can review 20 key issues looking for 10 red flags, or…

How to Calculate An Advisor’s Value: Liability-Relative Optimizing
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Planning on future cash needs allows you to use specific accounts for tax planning purposes.

How to Calculate An Advisor’s Value: Risk Management and Estate Planning
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Comprehensive wealth management is a bottomless task.

How to Calculate An Advisor’s Value: Annuity Planning
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Without a doubt, the best single annuity option for any client – that is, the option that creates the higher monthly cash payment – is to delay Social Security.

How to Calculate An Advisor’s Value: Dynamic Withdrawals
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Having a plan not to run out of money is priceless.

How to Calculate An Advisor’s Value: Tax Efficiency
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A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

How to Calculate An Advisor’s Value: Total Wealth Asset Allocation
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Just how much value does a smart advisor bring with asset allocation and rebalancing wisdom?

How to Calculate An Advisor’s Value
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Planners can add the equivalent of a 1.82% annual arithmetic return to clients through five components.

Importance of Accurate Compensation Disclosures For Consumers
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You deserve a fee-only fiduciary standard of care.

Anatomy of a Scam
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There is no such thing as a sure thing, and if something sounds too good to be true, it is

Five Red Flags You Picked The Wrong Financial Advisor
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Five red flags any one of which should make you stop and reconsider.

How to Find a Financial Advisor, Step by Step (PBS Newshour)
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You’re looking for an enduring relationship based on mutual respect and trust, so plan on investing at least as much effort as you’d put into choosing an automobile, especially a used one.

Keep Working and Hire Financial Professionals
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For families with complexity to their finances, hiring a tax professional actually saves them money. Wealth managers bring benefit to such families in the same way.

David John Marotta part of the 2013 AIF Designee Article Competition
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AIF® and AIFA® designees share their knowledge and experiences in a way that helps fiduciaries better understand and perform their role.

Welfare Prevention Is Financial Planning
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This kitten is willing to ask for help. Be more like this kitten.

Are Financial Advisors Hazardous to Your Wealth?
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Those who use the term “financial advisor” on their business cards can be split into two groups: fiduciary advisors and nonfiduciary advisors.

Inverview with George Marotta: NAPFA and being a fee-only fiduciary
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Inverview with George Marotta on NAPFA and being a fee-only fiduciary

It’s flat-out illegal in other countries
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There is great disagreement in the financial services world if an advisor who has continuous and comprehensive management of a client’s assets should be allowed to also benefit from transactions that they recommend.

How do I find a fee-only commission-free (hourly rate) financial advisor?
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Many people prefer having a local fee-only commission-free financial planner they can easily visit on a regular basis. Others prefer to handle everything through phone and email.

Protecting Your Parents: Keep the Sharks at Bay
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Make sure that Mom and Dad have a family member and a fiduciary advisor watching out for their finances.

What Is Comprehensive Wealth Management?
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Advisors who offer comprehensive wealth management are like financial concierges. Their only goal is to meet your needs. If you ask for fresh strawberries, they try to find them for you.

More Wall Street Than Main Street
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“Average American investors start to worry that FINRA will damage their relationship with independent financial advisors.”

Are Investment Management Fees Tax Deductible?
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I often get asked, “Are investment management fees tax deductible?” The answer is not a simple “yes” or “no.” Like many tax questions, the answer is “It depends.”

Report: Clients confused about standards and don’t care
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Unfortunately few consumers understand what a fiduciary standard means to them.

A fiduciary standard is good, old-fashioned common sense
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“Unfortunately, some are also misleading the public by saying that a fiduciary standard would prevent the delivery of financial services to middle-American Main Street investors.”

How Do Financial Advisors Earn Their Fee?
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Investment fees are generally about 1% of assets under management and drop as assets rise. The critical question to ask is “Where do financial advisors add value that might exceed the 1% fee they charge?”

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