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Consumers Should Know

The Fiduciary Difference - What Consumers Should Know 
 
Many types of professionals provide financial advice to individuals and families. These professionals might call themselves stockbrokers, financial advisors, insurance agents, trust company officers, or many other titles.

While many financial professionals promise to do their best for their clients, there are substantial differences in how they operate. The most important difference is where an advisor's fiduciary duty is placed.  A fiduciary standard defines where an advisor's ethical and legal responsibility lies - ultimately, who the advisor is responsible for protecting.

Registered Investment Advisors have a fiduciary duty to put their client’s interest first and foremost.  They fully disclose their compensation and offer no proprietary products. Their advice is independent and unbiased.  Roger R. Bell & Company believes that this is the most objective way to provide professional advice to clients.

We do not doubt the ethics or moral caliber of these other professionals, ....but you should remember that  their fiduciary duty is to their employers  and that this underlying difference is quite substantial!  For example, as an employee, a stockbroker, a bank financial advisor, an insurance agent, etc., can be pressured to follow an agenda set by their employer to participate in sales contests; their goal thereby becomes selling highly commissioned products and at times perhaps recommending in-house products or securities that may be inappropriate, given the client’s goals or risk tolerance.  Ultimately, a client shouldn't have to question the reason a recommendation is being made.

Benefits of Working with Roger R Bell & Company, Inc., a Registered Investment Advisor

  • We are independent and place your interest first, AS OPPOSED to those of the brokerage firm, bank, mutual fund or insurance company.

  • All compensation is fully disclosed so that you are aware of all fees and charges.

  • Any conflicts of interest are disclosed, enabling you to make an informed decision about engaging our services.

  • As a Registered Investment Advisory firm, we abide by a Code of Ethics, providing you assurance that we are sincere and forthright about placing the your interests first.

  • We are not owned or controlled by any bank, brokerage firm, mutual fund or insurance company.

  • Investments are chosen and developed based on your specific needs, in contrast to those of a bank, brokerage firm, mutual fund or insurance company.

  • We will provide you as our client with a copy of Form ADV Part II which provides, in writing, our way of doing business and all required disclosures. This is mandated by the Securities and Exchange Commission (SEC), the governing body that regulates Registered Investment Advisors.

You should know the distinction among Registered Investment Advisors and advisors from brokerage firms, banks, mutual funds, or insurance companies.  Registered Investment Advisors, such as Roger R. Bell & Company, serve as a fiduciary to you and we are bound to act in your best interest.
 
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