Working with a Fiduciary, Certified Financial Planner
You Deserve the Highest Standard
When Ron started his Financial Planning practice back in 1989, most people he met never heard of Financial Planning or of the profession of being a Financial Planner. They may have worked with a CPA, Insurance Agent, or maybe even a Stockbroker, but never a Financial Planner.
Today, most of the people we meet have had some level of experience with one or more "financial planners" or maybe have even done some investing on their own on-line. In most situations, we hear about lack of contact, a pushy sales pitch, or a realization that the person they are working with just focuses on one thing or one product so there is no comprehensive financial plan in place. That can create a deep feeling of uncertainty.
Regardless of their experience, some questions ring true looking into the future:
- Am I doing everything that I should be doing to be able to be financially independent?
- When can I retire?
- How will I be able to take income in these volatile economic times?
- Am I going to outlive my money or will my money outlive me?
- Can I really trust myself to answer all of these questions on my own? What if I'm missing something?
Our business is built on a foundation of thoughtful client relationships.
The industry standard to be a Fiduciary, is simply for an Advisor to “ Act in the best interests of the client.” The Dodd- Frank Wall Street Reform and Consumer Protection Act (July 2010) included standards for the Financial industry that would help the public understand who is a Fiduciary and who is not. How to do this has had incredible push back from certain companies in the financial industry. As of March 2026, a Texas federal court has vacated the Department of Labor 2024 Fiduciary Rule, which had aimed to expand fiduciary status to more retirement advisors. The industry reverts to the 50 year old “five part test” for fiduciary advice, along with the SEC Regulation Best Interest for now.
With all of this noise around the Fiduciary Standard, we can see how a person can be confused and hope, like everything else you do in life, that you are working with someone who is truly working with your in your best interest, especially when it comes to something as complicated as your financial planning.
Saying Yes, we act as a Fiduciary is not enough in our opinion.
We want our clients to experience a higher level of Fiduciary guidance – something that is not based on transactions or the beginning of a process. We want our clients to have a lifetime of fiduciary guidance. We want our clients to feel the Fiduciary guidance every step of the way.
Most people don’t need more advice…they need better fiduciary guidance.
Advice is a moment. Guidance is a relationship.
Fiduciary planning is designed to support clients through every stage of life—helping them stay prepared, confident and focused on what matters most.