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Southern Capital Services TV Interview

What is an Independent Registered Investment Advisor (RIA)?

  • An RIA is in the business of giving advice.
  • An independent RIA is not owned by another company or institution.
  • An RIA has a Fiduciary Responsibility to their clients. They are legally required to put the client’s interest first. This is a higher standard that what is required of brokerage firms, which is the suitability of an investment for an individual client.
  • An RIA is typically compensated by fees for advice, rather than commissions on buying & selling.
  • An RIA is regulated by the Securities and Exchange Commission (SEC) or the state in which they operate.

The Difference Between an RIA and a Broker

Blog

A Guide to Pensions & Retirement Benefits

by Eric Nager on Sep 20, 2024

How much do you really know about retirement benefits?

If you’re like most Americans, it’s not that much. In fact, most of us have fairly poor “retirement literacy,” especially when it comes to the finer points of retirement benefits.1

That may not seem like a big deal, but it can give rise to all sorts of landmines in the future, possibly derailing your retirement plans and goals. It could also impact your quality of life and your opportunities to live your best life in retirement.2

To minimize the risks of that happening, this guide to retirement benefits and pensions breaks down the ins and outs of various types of income for retirees, covering key points, including:

This guide to retirement benefits can get you up to speed with some fundamentals in less than 10 minutes.

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First, let’s start by uncovering the most common mistake in estate planning…

Surprisingly, this frequently made mistake might already be on your doorstep. A staggering number of people haven’t yet started an estate plan. It’s a critical oversight that can have far-reaching implications, but this isn’t the only pitfall that can disrupt your planning efforts.

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A power of attorney (POA) can grant you certain authority and specific responsibilities. While the extent and limitations of POAs can vary based on many factors, stepping into the role of power of attorney can be unlike anything else. That’s because it puts you in the driver’s seat to make key decisions and oversee vital needs for someone else. That doesn’t mean that POAs come with carte-blanche powers or that one power of attorney will mirror another. Explaining how POAs work, this guide shares more fundamentals, detailing some common types of powers of attorney and the responsibilities you may have as an agent of one of these devices.
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