A True Fiduciary

A fiduciary is a professional advisor who is 100% committed to putting your financial interests ahead of his or her own. Many times financial advisors or planners, including stock brokers, insurance representatives and others who “sell” investments are not held to this standard. At best, they're held to a “suitability” or lesser standard, which means they're supposed to reasonably believe that the investments they recommend are suitable for your situation. Justifiably so, many people don't understand the distinction between fiduciary and suitability standards.

This is where education is vital. We inform our clients about the meaning of being a fiduciary and how to understand which professionals hold themselves accountable. We like our clients to be pro-active, and don't mind if they ask us the “tough” questions such as:

  • Are you legally obligated to act in my best interest at all times?
  • Will you disclose all potential conflicts of interest?
  • In what ways are you compensated?

The question is simple: Who would you rather have managing your financial future, someone held to a lesser standard or someone held to a higher standard?

We are very proud that we have never had a breach of fiduciary duty—and we never will. This is our commitment to you.
 
Disclosure:
"Investors should understand that working with an advisor that is a fiduciary does not guarantee that they will experience greater investment performance or reduced losses as compared to working with an advisor that is not acting as a fiduciary
Fee-based Model
As a long time user of the fee-based model of compensation, Mark J. Snyder transitioned from commissions to a fee-based business model in the early 90’s. This is why the firm is dedicated to providing a fiduciary level of care to clients. We have a legal and ethical responsibility to put the clients’ best interest first—doing the right thing for clients above all else. (See “A True Fiduciary”) We avoid any conflict of interest in “selling” products simply to receive a commission. (See Services “Overview”)
 
 
Disclosure:

Investors should understand that working with an advisor that is a fiduciary does not guarantee that they will experience greater investment performance or reduced losses as compared to working with an advisor that is not acting as a fiduciary. 

Your CFO

For fee-based clients, our firm is their “Chief Financial Officer” (CFO). We discuss and offer our advice on financial matters such as buying or selling a home or vacation home, buying or leasing a car, sending children to college, eliminating debt and Social Security issues etc. No financial challenge is left uncovered.

Customized Service Plans

We put your best interests first. We are not in the business of “selling” products. We are not “financial salespeople.” We help you determine your financial path by recommending the investments and plans that are appropriate for you. That is our fiduciary responsibility which we take very seriously.