What Is The Most Important Attribute When Hiring An Investment Manager?
with No Comments

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?
with No Comments

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?
with No Comments

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?
with No Comments

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?
with No Comments

Here are our answers and comments to the SEC’s eight suggested questions.

FINRA Supports Regulation to Quell Competition
with No Comments

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
with No Comments

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?
with No Comments

This is why we call ourselves comprehensive wealth managers.

Advisers Worry About Potential Costs Of Third-Party Exams
with No Comments

“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

Investment Advisors vs. Brokers
with No Comments

Low risk firms should be visited less frequently by the SEC.

Mutual Funds Offer Good Governance Assistance
with No Comments

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
with No Comments

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”
with No Comments

Many will mislead you into thinking they are “fee-only” when they are not.

The Importance Of The Investment Policy Statement
with No Comments

Adherence to the fiduciary standard is all about process.

Hedge Fund Advice In One Word: Don’t
with No Comments

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
with No Comments

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
with No Comments

Comprehensive wealth management is a bottomless task.

How to Calculate An Advisor’s Value: Annuity Planning
with No Comments

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
with No Comments

Having a plan not to run out of money is priceless.

How to Calculate An Advisor’s Value: Tax Efficiency
with No Comments

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
with No Comments

Just how much value does a smart advisor bring with asset allocation and rebalancing wisdom?

How to Calculate An Advisor’s Value
with No Comments

Planners can add the equivalent of a 1.82% annual arithmetic return to clients through five components.

Importance of Accurate Compensation Disclosures For Consumers
with No Comments

You deserve a fee-only fiduciary standard of care.

Anatomy of a Scam
with No Comments

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
with No Comments

Five red flags any one of which should make you stop and reconsider.

How to Find a Financial Advisor, Step by Step (PBS Newshour)
with No Comments

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
with No Comments

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
with No Comments

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
with No Comments

This kitten is willing to ask for help. Be more like this kitten.

Are Financial Advisors Hazardous to Your Wealth?
with 2 Comments

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
with 1 Comment

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

It’s flat-out illegal in other countries
with 2 Comments

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?
with 1 Comment

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
with No Comments

Make sure that Mom and Dad have a family member and a fiduciary advisor watching out for their finances.

What Is Comprehensive Wealth Management?
with 3 Comments

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
with No Comments

“Average American investors start to worry that FINRA will damage their relationship with independent financial advisors.”

Are Investment Management Fees Tax Deductible?
with 2 Comments

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
with No Comments

Unfortunately few consumers understand what a fiduciary standard means to them.

A fiduciary standard is good, old-fashioned common sense
with No Comments

“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?
with 2 Comments

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?”

Brotherly Agape World is $415M Ponzi Scheme
with No Comments

Most consumers do not know how to safeguard their money. Here is a real world example of why breaking any of the eight safeguard puts your money at peril. Make sure that your investments are properly safeguarded.

I just renewed my CFP designation. They oppose FINRA oversight of CFP advisors.
with No Comments

The rules which would begin to be applied to the watchdogs would not be for the sake of protecting the roost no matter how much the foxes suggest they do.

5 Questions To Ask A Potential Financial Advisor
with No Comments

“You’ll want to interview several potential candidates, and make sure you find the right person for the job. Use these questions to hire the right financial advisor.”

What is an Accredited Investment Fiduciary?
with 1 Comment

Fi360 promotes a culture of fiduciary responsibility and improves the decision making processes of investment fiduciaries and other financial service providers.

Fee-Only Financial Planner: What’s the Difference?
with No Comments

Fee-only financial planners are registered investment advisors with a fiduciary responsibility to act in their clients’ best interest. They do not accept any fees or compensation based on product sales.

Video: How to Find a Financial Advisor by SmartMoney.com
with No Comments

Experts Explain: Finding a Financial Advisor. How to find the right person to help manage your money.

Our Highest Value to Clients
with No Comments

Wisdom is the ability to exercise good judgement in the fact of imperfect knowledge. Sometimes that means reframing the question.

Most Commission-Based Advisors Caught Failing Clients in Research Sting
with No Comments

Study in Boston area, with undercover actors posing as clients, showed commission-based advisors putting their own interests first

Aiming For Advisors
with No Comments

I read a number of articles touting the growth and “advantages” of annuities. Personally, I’ve never met an annuity I liked.

What does Clark Howard really think of variable annuities?
with 13 Comments

“Variable annuities are garbage. They have huge expenses; big fees if you try to bag out before a certain point; and massive tax problems compared to other ways you can invest. But that’s what you’ll probably be steered to by a commissioned insurance salesperson.”

1 2 3 4

Subscribe to our newsletter!