Five Good Reasons to Hire a Financial Advisor and Two Bad Ones
with No Comments

The job of a financial advisor is to do what you would do if you had the time and expertise.

There Are No Such Things As “Fiduciary Rules”
with No Comments

The principles of a fiduciary cannot be condensed into a set of rules.

What Does It Mean To Be A Fee-Only Fiduciary?
with No Comments

Most investors are not aware of an important separation in the professionals of the financial services industry.

Fiduciary Fight Part 5: Lobbyists Won’t Help
with No Comments

“We’d be fools to underestimate their tenacity and creativity when it comes to protecting their executive bonus pools.”

Fiduciary Fight Part 4: Fiduciary Oath
with No Comments

“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
with No Comments

I love that Bob Veres thinks that labeling someone as a broker or advisor would help bring clarity. It shows his optimism.

Fiduciary Fight Part 2: Additional Congressional Regulatory Oversight Can’t Be Trusted
with No Comments

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
with No Comments

The fight is on! Everyone wants to be known as a fiduciary, but not everyone deserves the title.

Achieving Financial Peace Of Mind
with No Comments

One goes to bed, while the other sits down to manage the family finances.

Most Americans Want Financial Advice From Humans
with No Comments

An article title caught my eye recently: “Survey: Most Americans want financial advice from humans.”

SEC Q&A: What Should I Do If the Financial Professional Claims that He or She Is “Certified”?
with No Comments

We believe that NAPFA advisors are a well sought minority of financial advisors.

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.

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.

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.

Investment Advisors vs. Brokers
with No Comments

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

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.

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.

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.

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

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.

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.

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.”

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?”

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.

Five 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.

Why NAPFA Members are Different from Goldman Sachs
with No Comments

“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
with No Comments

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
with No Comments

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
with No Comments

“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
with No Comments

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
with No Comments

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
with 1 Comment

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.

1 2 3

Subscribe to our newsletter!