As a Registered Investment Adviser, IFA is required by law to act as a fiduciary and only make investment recommendations that are in the best interest of our clients. This is the highest standard of care required and exceeds the less stringent suitability standard followed by non-RIA financial services firms. Fiduciaries are required to act with undivided loyalty to their clients. They are required to disclose how they get paid and reveal any corresponding conflicts of interest. The Committee for the Fiduciary Standard states the five principles of fiduciary standard, as follows:

  1. Put the client's best interest first
  2. Act with prudence; that is, with the skill, care, diligence and good judgment of a professional
  3. Do not mislead clients; provide conspicuous, full and fair disclosure of all important facts
  4. Avoid conflicts of interest
  5. Fully disclose and fairly manage, in the client's favor, unavoidable conflicts

All investors should ensure they have an independent financial team to reduce conflicts of interest, including an independent Registered Investment Adviser, an independent Estate Planning Attorney, an independent CPA, and an independent Insurance Advisor.

See our SEC public disclosures here.

What's your Risk Capacity?

Calculating risk capacity is the first step to deciding which portfolio will generate optimal returns for each investor.

Each investor has a unique risk capacity and can be identified by a risk capacity score — a measure of
how much risk one can manage.

Determine Your Risk Capacity