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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


Market Update

by Eric Nager on Sep 16, 2022

Last month the market had a strong rebound from the June lows, but now we are in the midst of a second leg downward. As of the time of this writing, the market has given back roughly half of its recent gains. Most likely the downward pressure is not over; and, along with that pressure, we are in the most difficult period of the year historically for stocks (September to October). Furthermore, we are still dealing with inflation (currently running around 8%) and the evidence of a looming recession, or at least a significant slowdown in the US economy. Therefore, it would be logical to conclude that we will go back and retest the June lows. However, conventional wisdom is not necessarily a reliable predictor of future outcomes.

What are some other more positive factors to consider?

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