The best solution is a fiduciary works for you and only you. As fiduciaries, we do not make a commission by selling a financial product to you. Our standard of care is your best interest. We are your advisor through thick and thin.
Second best is a broker who makes money from selling products. The salesman will call himself your ‘financial advisor’ until things go sideways and then claim the lower standard of ‘suitability’, as in “this was a suitable product to sell to a person like you and who knew it would go badly?” After all, they are not financial advisors, just salesmen and generally nice guys, too.
Why settle for second best?
- We are fee-only fiduciary advisors and members of the Fee-Only Network.
- We are CERTIFIED FINANCIAL PLANNER TM practitioners.
- We are NAPFA-Registered Financial Advisors who require a fiduciary oath to put clients’ interests above all others in order to qualify for NAPFA membership.
- We are a full service planning firm dedicated to serving your best interest.
- Stowe Financial Planning, LLC is a Registered Investment Advisory.
- Please see Stowe Financial Planning’s ADV Part II legal disclosure or click here to view our Client Relationship Summary disclosure.
Please contact us today to schedule a complimentary meeting to discuss your planning needs.
Latest Blog Posts
How do we manage risk. In the last segment I defined the main retirement risk as the chance of outliving our money. Managing risk essentially becomes having cash available, now and at every point in time in the future to meet all planned and even unplanned obligations. I would further stipulate that it is bad planning to sell any security at a loss, other than as a tax avoidance strategy, to make ends meet. This...
In the last piece, I described the origins and usefulness of a diversified retirement portfolio, and particularly the 60/40 stock/bond portfolio. The issue then becomes one of managing risk, and even of having a common definition of risk. Let’s cut to the chase. When we talk about risk, we are talking about outliving our money. There are different ways to get there. Poor investment practices are one way. Other effective ways to run out of...
On a recent Saturday morning I was listening to the money talky guys on the radio. This particular one, an indexed annuity salesman, referred to fee-only advisors as ‘those 60/40 guys.’ I laughed out loud because it was funny and every good joke has its kernel of truth. The 60/40 idea started in pension portfolio management. The idea was to meet obligations over an unknown length of time, potentially decades, and failure was not an...