The short version of how I got here, and why.
I began in this business back in the 1990s. I was working with a large regional bank and they offered me the opportunity to become licensed to sell investment products. From there, I became a full-time financial advisor, and then a CFP® (Certified Financial Planner™), and then an IAR. That stands for Investment Advisor Representative, which means I’m a fiduciary. To use the CFP® marks, I have agreed to always put my clients’ needs first, before my own. I agree to always do the right thing.
Back when I was a broker, that could create an internal conflict. I was paid on commission, which meant I had to sell my clients something. My assistant back in those days would laugh at me because I refused to learn the commission schedule. Each product we sold carried a different commission and I didn’t want to know what they were. I was born to be a fee-only investment advisor. My clients and I sit on the same side of the table (figuratively, not actually during the pandemic). Since I charge a percent of assets I manage or a per hour fee for financial planning, we both gain when clients’ accounts go up in value, and I suffer the losses alongside my clients when the values decline. In my opinion, it is truly the best way to be a financial advisor. I hope you agree.
- Client transition planning, investment solutions, and portfolio management resources through East Bay Financial Services
- Portfolio implementation support, including rebalancing oversight and trade execution, through our partnership with Advisor Logistics
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