A Registered Investment Adviser (RIA) can help you manage your assets and guide you to financial independence. RIAs provide crucial work when markets are volatile. The work of RIAs protects your assets and saves you the chore of interpreting news events.
The cost of hiring an adviser is very economical.
Short term movements in the markets can easily exceed the annual management fee of an adviser.
RIAs offer continuous financial and investment advice and put your interests first.
Usually, RIAs are fee only professionals and act as a fiduciary for clients. Fiduciary responsibility means your interests as a client comes before the interests of the RIA.
RIAs are required to disclose to you any conflicts of interest and are required to give you a brochure which outlines any potential conflicts.
This brochure will also include the adviser’s fee schedule and any regulatory or criminal record of the firm or its staff.
RIAs partner with brokerage firms like Fidelity and Schwab to hold client assets. RIAs are governed by rules set fourth by the Securities and Exchange Commission (SEC) or State Securities offices, depending on the size of the adviser’s assets under management.
Employees of RIAs often hold exemplary certifications such as Certified Financial Planner or Chartered Financial Analyst although these titles are not mandatory for firm personnel.
Finally, RIAs provide you a one on one relationship with a financial professional.
We are always readily available in an “old school” way to meet your immediate needs.