Yes we are! What does that mean?

A fiduciary advisor is a financial professional who is legally and ethically bound to act in the interests of their clients. Fiduciary advisors must prioritize the needs of their clients above their own needs.

This means that they are supposed to recommend investments and products based solely on your needs, not what will net them the greatest commission, referral kickback or fees. Fiduciary advisors are legally obligated to disclose any potential conflicts of interest they may have.

There’s a specific group of professionals that are required by law to offer financial advice and product recommendations that are in their clients’ best interests. These professionals, referred to as fiduciaries or fiduciary financial advisors, are key to knowing that your money and financial decisions are being guided in a responsible manner. We are proud to uphold this level of conduct to each and every one of our clients.

An independent financial advisor is a professional who offers independent advice on financial matters to their clients. They recommend suitable financial products that aren’t limited to one companies product line.

Pros to working with an independent Financial Advisors office:

-Fewer conflicts of interest because the client is our employer

-No product sales goals, trips or rewards.

-Able to spend more one on one time with each client and their family.

-Capability to know our clients and their families on a personal level

-Likely to use a third party custodian to hold your money

Common Cons:

May have fewer resources available than an advisor affiliated with a large firm- We work with a large broker-dealer who offer a surplus of products to fit our clients needs. We’ve also partnered with one of the largest insurance brokerage companies to ensure all annuities and life insurance products are available to our clients and their families. Both companies supply us with product knowledge and a back office staff to ensure we still have all the same capabilities of a large firm.

Might lack legal backing- We have hired industry and estate attorneys to ensure we not only have the legal backing they offer, but the knowledge they bring to make sure we are staying the most up to date with new laws and regulations regarding our clients and their assets.

Experience levels may vary- Our advisors have 40+ years combine service in the industry. Our managing partner has seen everything from record bull markets to recessions and everything in-between. Together, everyday they are faithfully and deliberately doing market research to stay informed about what is going on in our economy and how it will affect our clients. Always looking deeper at trends and conditions, instead of just following the mainstream headlines.

Yes, as we continue to grow our book of business we will always have enough advisors to follow suit. So rest assured we will always be willing and able to help!

Regulation Best Interest (Reg BI) under the Securities Exchange Act of 1934 Regulation Best Interest, often abbreviated to Reg BI, is a straightforward rule requiring that broker-dealers of financial services act in the best interest of the retail customer at the time the recommendation is made, without placing the financial or other interest of the broker-dealer ahead of the interests of the retail customer.

Absolutely not. We take pride in spending ample time with each and every client. We will never turn away someone needing assistance with their finances and welcome anyone and every one to our Monroe & Conley family. Our calling to this industry from God is to be good stewards and servants, no matter how big or small the account.