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Did you know that two of our associates are Dave Ramsey SmartVestor's? 
Click here to find out more about
Eric Nager.
Click here to find out more about Wendy Nelson Bailey.

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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

Blog

Finance Financial Missteps

by ericnager on Mar 13, 2019

Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next few generations as well.

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You’ve seen the cycle with friends. Their parents became frail and now need help doing basic things around the house, scheduling their transportation, and keeping track of meds. Your friends are concerned about their parents’ ability to live safely on their own. They tell you about technology that’s helped them with caregiving. You listen politely and put it in the back of your mind. That’s not your situation—not yet.
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