A Fiduciary Standard of Care | Highest Standards

Your Financial Advisor should answer to you, not a bank or a Broker-Dealer.

Most advisors are only required to provide you "suitable" advice, which often means high commission products that benefit them more than you. We are 100% Fee-Based Fiduciaries, legally bound to put your interests first in every single recommendation.

No hidden agendas. Just your best interests.

as your dedicated financial partner, we provide this fiduciary oath as a cornerstone of our relationship.

We solemnly swear to abide by the following five principles:

1. The "Client-First" Mandate: We will always place your interests above our own and above the interests of our firm.

2. Our only compensation comes directly from you, ensuring our loyalty is never divided.

3. Full Transparency & Disclosure: We will provide a written breakdown of all costs associated with your accounts. If a potential conflict of interest arises, we will disclose it to you immediately and in plain English.

4. The Best-Execution Standard: We will seek the lowest-cost investment vehicles that meet your financial objectives, rather than high-cost versions that benefit the advisor.

5. Prudence and Care: We will manage your wealth with the care, skill, and diligence of a professional "prudent expert," acting as a legal fiduciary at all times—not just when it is convenient.

Is the financial advice you are receiving truly unbiased?

Most investors are surprised to learn that many advisors are only required to provide 'suitable' advice - not necessarily what is best for you, the client. Our Fiduciary Audit is a simple tool designed to uncover hidden fees, commissions, and conflicts of interest. Download it in printable form today and get the five specific questions you need to ask your advisor during your next meeting. With the answers to these questions, you can ensure your interests are your advisor's priority.

Complete Your 5-Minute Fiduciary Audit

As FIDUCIARY Financial Advisors, We Provide the Highest Level of Care

Financial Advisors operating under the fiduciary standard, including our advisors at FFA Wealth, are registered as Investment Advisors and consequently are legally and ethically bound to provide the highest standard of care regulated by the Securities and Exchange Commission (SEC) and appropriate state securities regulators. These advisors are required to put their client’s financial interests above their own and those of the firm. Practically speaking, the advisor is required to offer their clients the best possible solutions at the lowest cost, no matter what fees or commissions the advisor earns. This is known as the best interest standard and applies at the time a recommendation is made.

Financial professionals registered as brokers are regulated by FINRA and must follow the SEC’s Regulation Best Interest (Reg BI), which requires them to act in the customer’s best interest at the time a recommendation is made, though this obligation is distinct from the fiduciary standard that applies to investment adviser representatives.

Therefore, we believe it’s best policy to always work with advisors who are fiduciaries like us so you know the products and services recommend are always going to be the best for YOU and not the advisor or firm.

WHAT THIS MEANS FOR YOU

As Investment Advisors Representatives and therefore bound by the fiduciary standard of care, you can feel confident that our investment advice is made using the most accurate and complete information available and that our analysis is as thorough as possible. The personalized investment plan we make for you may also involve collaboration with those whom you designate are involved in your financial life, such as your CPA or Attorney, to further facilitate providing you the best level of care. You know that your needs, objectives, and preferences will always be our top priority, rather than personal or firm initiatives.

Ultimately, whether you think we are the best financial advisor for you depends on your unique personal circumstances, financial situation, and particular preferences. It matters, too, how closely you feel we align with your values, have the capability to help you attain what you are striving for, how well we listen to your needs, and if feel the fiduciary standard of care we practice is sufficient. All these things take great weight into your decision and so we encourage you to contact us so we may further demonstrate how effective we can be for you.