Broker Check

On-Line Provider vs. Modern Financial Advisor

| March 24, 2018
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On-Line Provider vs. Modern Financial Advisor

 

Modern

On-Line

"Product-Neutral"  - Are products & services offered from multiple providers or only one provider?

Multiple

?

Fiduciary

Yes

If only one "brand" of products / servicesis offered, is that Fiduciary? Do they even say they are Fiduciary?

You get your Adviser (the same adviser every time) when you communicate?

Yes

?

Preliminary no-cost no-obligation verbal review of your entire situation and documents

Yes

?

Pay hourly only for advice is available "unbundled” – no other business / transaction required?

Yes

?

CFP® / Certified Financial PlannerTM

Included

?

27+ years licensed experience

Yes

?

Total Expenses “possible” 0.2% (2/10ths of 1%.)

No

Yes

Phone Appointment available with same adviser every time? ("Your" adviser)

Yes

?

Virtual meeting eg. Face Time /Skype etc. available with your adviser by appointment

Yes

?

Face-to-face meeting available by appointment

Yes

?

Private Office (not cubicle)

Yes

?

On-line account view

Yes

Yes

On-line transactions

Varies

Yes

Ownership

Private

Owned by its investors or varies

Inception Date

 1989

1975 or varies

 

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