What makes us different?
We are a fee-only fiduciary, meaning we do not sell products, receive commissions, payments, rebates, kickbacks, soft dollars, or other incentives. Unlike fee-based advisors, our exclusive source of revenue is fees paid directly by clients. This minimizes any conflicts of interest as our recommendations stem from logical analysis rather than incentives that make us money. As a fiduciary, we are legally obligated to put your interests first.
We throw around the words 'fee-only' like a punching bag, but doesn't everyone get paid by a 'fee'? There are a few types of advisors out there: fee-only, fee-based, and commissioned. Take a look at the difference between us and the ‘other guys’ and we think you'll see why we’re so excited to talk about it.
Us (Fee Only) | The "Other Guys" (Fee-Based or Commissioned) |
|---|---|
Required to act in the best interest of their CLIENT at ALL TIMES | Required by law to act in the interest of their EMPLOYER |
Recommendations must be solely in the best interest of client | Recommendations only have to be suitable to your situation |
We do NOT sell products or receive commissions | Advisor receives compensation via commissions, or investment fees |
ALL conflicts of interest must be disclosed | Disclosure requirements are lenient |
Clients interest must always be put first | Loyalty is to their employer |
Compensation comes solely from the client | Advisor can recommend a solution based on their commission compensation |
We are able to discuss anything with you | Can only discuss topics as designated by employer |
We're flexible! We will go where your individual needs take us | Structure of a big organization, allows little flexibility to work with individual needs |