SO WHAT DO YOU NEED TO DO NOW
You would think so. Not true.
Financial professional's responsibility to clients fall into two camps; fiduciary and suitability... and there's a big difference. Fiduciary responsibility is a legal term requiring the advisor to put the client’s interests first.
A suitability arrangement is nothing more than a sales person selling you a financial product. They must deal with you fairly but they are not required to act in your best interest.
If you're working with a financial professional we let you know if they're responsible to put your interest before their’s or if they’re not obligated to do so.
A CUP OF COFFEE AND A FREE EXPERT OPINION
We want to help make it simple for you to gain financial certainty. When you come in for your appointment, we’ll get to know each other a bit over a cup of coffee. We’ll ask you to share your financial aspirations, then we’ll review your investments and plan together in that context.
If your money is doing what it needs to do in the current environment, we’ll tell you so. If not, we’ll share our insight on what elements of your finances could be improved to protect and enhance your well-being. We’ll explain everything clearly so you fully understand what’s working well and what needs to be improved.