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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.
Blog
There are over 30 million small businesses in the United States. Many people start their own businesses in order to become their own boss and take control over their schedules, career goals and finances. It can be incredibly rewarding to start and own a successful small business. But one thing that many small business owners may not think about is a retirement plan.
If you and your spouse are making plans to retire, you’re probably wondering whether it’s a good idea to retire at the same time.
Is It Time To Fully Return To The Market?
We believe that enough of the uncertainty regarding the election outcome has been resolved in order to complete our return to the market. However, there are still two outstanding issues that could stir social and market unrest: the first is a Trump victory through legal action (at this time it is possible but it is a longshot). The second is a victory by the Democrats in both Georgia Senate races. This would mean that we would not have divided government (meaning that the President and either the House or the Senate would be of different political parties). The stock market likes it when there is some restraint on political power.
The bright prospects for the economy, in our view, outweigh the two potential disruptions.
