WHOSE MONEY AND FINANCIAL FUTURE IS IT?
YOURS OR YOUR ADVISOR’S?

It being yours, your financial interest should come first.

THE WORD FIDUCIARY COMES FROM THE LATIN WORD FUDICIA, MEANING “TRUST.”

For an investor, a fiduciary is someone who, with total trust, good faith and honesty, gives advice, makes recommendations, or affects security transactions.

Shockingly, many “advisors” to investors need not act in a fiduciary capacity. Recommendations and advice only need to be “suitable”. Many advisors—even ones who call themselves fiduciaries—are sometimes conflicted, facilitating transactions that pay themselves high commissions—transactions that are not necessarily in the investor’s best interest. Many advisors can even argue successfully that they are not legally fiduciaries.

Caveat emptor. Let the buyer beware.

WE ARE A FIDUCIARY IN ALL DEALINGS WITH OUR CLIENTS

NWCM is registered as an investment advisor with the Securities and Exchange Commission. We are not registered representatives of a broker/dealer; nor are we licensed insurance agents. No ifs, ands, or buts about it: we are fiduciaries whenever we interact with you, make recommendations to you, or affect a transaction in your account.

Your financial interests must come first. Because we are a Level Fee advisor, we believe we are not conflicted when advising you as to the best path forward for the management of your assets. We don’t earn big commission up front. Our compensation is received quarterly, and continues only if you believe you are receiving value from us. If not, you can terminate our advisory agreement and take complete control over the investments within your accounts.

We earn only compensation fully disclosed to you—and compensation that is only paid by you. No company can legally pay us commissions or 12b-1 fees. We do not accept referral fees from third parties (nor do we pay referral fees).

We know our advice and actions can have a significant impact on your ability to achieve your financial goals. We know your trust and confidence in us is necessary to follow the course we chart for you. Being a fiduciary helps us to earn that trust. How could a financial planning and investment advisory business be undertaken any other way?

QUESTIONS TO ASK YOUR ADVISOR (AND GET THE ANSWERS IN WRITING!)

  • Are you a fiduciary when working with me? If so, please tell me what it means to be a fiduciary.

  • Are you a “registered representative” of a broker dealer?

  • Are you licensed as an insurance agent?

  • If you are a licensed investment advisor, are you registered with the Security and Exchange Commission or with a State?

  • How are you compensated? Do you earn any commissions? Do you receive a payment of any sort from the sponsors of products you sell, e.g., participation in transaction charges or 12b-1 revenue?

  • If a level-fee is charged, either a fixed-dollar or asset-based, will any compensation earned by you from all other sources attributable to my investments be used to offset that fee?

  • How can I get an accounting of all the expenses and compensation associated with my investments?