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.

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.

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.

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

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

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.

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.

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

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

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.

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.

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.”

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?”

I Just Renewed My CFP Designation. They Oppose FINRA Oversight of CFP Advisors.
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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.

Five Questions To Ask A Potential Financial Advisor
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“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?
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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?
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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
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Experts Explain: Finding a Financial Advisor. How to find the right person to help manage your money.

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

Why NAPFA Members are Different from Goldman Sachs
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“Today, if you make enough money for [Goldman Sachs] (and are not currently an ax murderer) you will be promoted into a position of influence.”

Safeguarding Your Money
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Given all the greed and deceit in the world of financial services you shouldn’t have to trust your financial advisor. Here is a list of eight safeguards that should be in place to help safeguard your money.

Video: Comprehensive Wealth Management
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Comprehensive wealth management is based on the idea that small changes in our finances can have large effects over long periods of time. These changes can make the difference in achieving our life goals.

Indexing Works
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“Many investors think active managers can shift out of stocks in time to stem losses in bear markets. Not true.”

The House That Bogle Built
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Learn about the index preferred by the person who invented index funds with the Vanguard S&P 500. And no, it isn’t the S&P 500.

Fee-Only Financial Planners Help You in Three Ways
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Working with a fee-only planner can help you make better financial decisions and balance current needs with future goals. The result can be financial peace of mind.

Ten Questions to Ask a Financial Advisor
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Someone asked me what disclosures I would require for financial advisors. I’ve written these principles in a yes-or-no format and reworded the questions. “Yes” is the best answer and “no” means you should seek more information or not consider that advisor at all. Although answering affirmatively to all 10 questions would be my first screen in selecting a financial advisor, it still does not guarantee the person has the competence necessary to offer comprehensive wealth management.

You Deserve a Fiduciary Standard of Care
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Most investors are not aware of a critical division of professionals in the world of financial services. This distinction lies between fee-only fiduciaries who are free to act in your best interests and commission-based agents and brokers who are required to act in the best interest of the companies that employ them.

Video: Google Search Humor
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A humorous Google search for Charlottesville financial planning.

Safeguard #5: Understand Your Investment Strategy
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You have a critical part to play in financial planning. Certain responsibilities cannot be delegated to others.

Safeguard #4: Buy Investments That Trend Upward
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Crazy volatile markets push people toward irrational investment schemes. Know how to avoid them in order to safeguard your money.

Safeguard #3: Insist on Publicly Priced and Traded Investments
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One important safeguard is to insist on investing only in liquid assets. Investors undervalue liquidity 99.9% of the time. You need to be in the other 0.1%.

Marotta Advisors Join NAPFA Bus In Richmond, Virginia
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Fee-Only financial advisors will be in cities across the country to conduct free advice events.

Financial Help for the New Year
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You owe it to yourself and your family to make certain you keep your financial New Year’s resolutions this year.

NAPFA Consumer Education Foundation
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Fewer than 20 percent of investors are financially literate.

How to Get Free-Only Financial Advice
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NAPFA members give away a great deal of valuable advice.

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