1.Does my advisor have to put my interests ahead of his own?

As a fiduciary, in an advisory relationship, we are  held to a standard that places the client’s interests first. That covers why a recommendation was made over the alternatives and how the advisor is paid, and both are fair topics for any conversation.

2. Will the advice look past my own retirement?

We weigh each recommendation by how it serves a client today and the children and grandchildren who may inherit what has been built. A conversation about income can lead naturally into a conversation about family.

3. Will anyone explain this in terms I can follow?

Explanations come in plain language, and questions are welcome at any point, including between meetings. The tone stays friendly and professional, and no one needs to arrive knowing the vocabulary.

4. How can I confirm an advisor is who they say they are?

Registered advisors appear in public databases, including FINRA BrokerCheck and the SEC’s Investment Adviser Public Disclosure site, where registrations and any disclosures can be reviewed. Looking up an advisor before a first meeting is a reasonable step, and we welcome it.

5. Does it matter what my advisor values?

Rick served as a military officer and appreciates his faith, and both are part of the story behind the Guardian name. Clients are welcome to ask about either, and the conversation can stay as personal or as professional as they prefer.

6. What if I’m not sure what I need yet?

A first conversation can begin with whatever prompted the visit, such as an approaching retirement date or a question about what passes to heirs. From there, Rick can point to the areas of planning that deserve a closer look.