Frequently Asked Questions

Are You A Fiduciary? What Does That Mean?

A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.

How Can I Verify Your Registration?

A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)

What Is An IAR or RIA?

A: An IAR (Investment Advisor Representative) is someone who is registered with the Securities and Exchange Commission or a state's securities agency and is authorized to provide investment advice to clients in exchange for compensation.

What Does Fee-Only Advisor Mean? Why Is This Important?

A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.

Will My Retirement Funds Be Secure?

A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.

How Is My Privacy And Data Protected?

A: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.