Our Services

What Makes a Fiduciary Advisor So Valuable?

Not all financial advisors are the same, nor are they all held to the same standards. Fiduciaries are bound by two distinctive duties, the Duty of Care and the Duty of Loyalty, and are regulated by the U.S. Securities and Exchange Commission.

These ensure that the fiduciary always puts the client’s interests first as well as ensures there are no undisclosed conflicts of interest. A fiduciary must always act in the client’s best interest, even if the recommendation is not in the best interest of the fiduciary or their business.

Financial advisors who are not fiduciaries are held only to the suitability standard. This involves a duty to simply make recommendations that are ‘suitable’ for a client even if they are not necessarily the superior option for the beneficiary. One example of this would be an advisor making a recommendation based on a higher commission for themselves.

Upholding the fiduciary duty means clients are receiving the highest standard in financial advisement.

More Than Just a Financial Adviser 

At Your Dedicated Fiduciary®, our team serves as our clients’ trusted in-house, right-hand financial advisors to help execute the smartest planning decisions.

We are available on a flat cost basis to review investment account statements, tax returns, estate planning documents, insurance policies, and a household balance sheet to advise on what planning gaps exist and how to fill them.

 In addition to investment management, we specialize in advanced strategies designed to help alleviate income and estate tax issues. We work closely with CPAs and estate planning attorneys to implement various strategies that clients may not be aware of because their financial advisors do not specialize in them. 

Ask yourself the following questions:

  • Does my financial planner work with my estate planning attorney to develop my estate’s strategy?
  • Does my financial planner work with my CPA to implement tax alleviation strategies and reduce my taxes?
  • Am I one of the “lucky” business owners whose net worth is tied up in my business and I’m not sure how a financial planner can bring value because I don’t have much in investments?
  • Given current valuations of stocks, real estate, and yes—even bonds—has my financial planner spoken with me about investment strategies that have historically helped reduce downside risk in periods like the Credit Crisis of ‘08 or the Tech Wreck of ‘00 – ‘02?

Our Services

BUSINESS OWNERS

  • Multi-entity planning
  • Qualified retirement plans
  • Key person/executive benefits
  • Deferred compensation plans
  • Succession planning

INDIVIDUALS AND FAMILIES

  • Advanced Trust Planning*
  • Multi-generational asset transfer
  • Family heritage statements
  • Irrevocable life insurance trusts*
  • Concentrated stock position & real estate strategies

INVESTMENTS

  • Tax-smart investing
  • Individual retirement accounts
  • College savings & 529 plans
  • Fee-based alternative investments
  • Fee-based real estate investment trusts

WEALTH STRATEGIST

  • Unify team of allied professionals
  • Investment advisor accountability
  • Foster family unity
  • Family education
  • Implement overlooked advanced planning strategies

ASSET PROTECTION

  • Buy/Sell planning
  • Life insurance
  • Disability insurance
  • Long-term care insurance
  • Fee-based Annuities

CHARITABLE GIVING

  • Donor-advised funds
  • Charitable trusts*
  • Grantor retained trusts*
  • Charitable gift annuities
  • Foundation planning

*Your Dedicated Fiduciary does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.

Our Services

BUSINESS OWNERS

  • Multi-entity planning
  • Qualified retirement plans
  • Key person/executive benefits
  • Deferred compensation plans
  • Succession planning

INDIVIDUALS AND FAMILIES

  • Advanced Trust Planning*
  • Multi-generational asset transfer
  • Family heritage statements
  • Irrevocable life insurance trusts*
  • Concentrated stock position & real estate strategies

INVESTMENTS

  • Tax-smart investing
  • Individual retirement accounts
  • College savings & 529 plans
  • Fee-based alternative investments
  • Fee-based real estate investment trusts

WEALTH STRATEGIST

  • Unify team of allied professionals
  • Investment advisor accountability
  • Foster family unity
  • Family education
  • Implement overlooked advanced planning strategies

ASSET PROTECTION

  • Buy/Sell planning
  • Life insurance
  • Disability insurance
  • Long-term care insurance
  • Fee-based Annuities

CHARITABLE GIVING

  • Donor-advised funds
  • Charitable trusts*
  • Grantor retained trusts*
  • Charitable gift annuities
  • Foundation planning