Top Fiduciary Financial Advisor in Florida

Top Fiduciary Financial Advisor in Florida 

What is a fiduciary Advisor in Florida?

You want an advisor you can trust.

This begins with choosing an advisor working under a fiduciary level of care.

FIDUCIARY Level of Care

Deciphering the “What’s What” and “Who’s Who” of today’s complex financial services industry can be difficult, even for the most financially sophisticated members of the general investing public.

Two words: Fiduciary and Suitability, are critical in understanding the motivation behind the person offering you financial products or advice.

Recognizing the difference between the Fiduciary and Suitability standards may also help you to appreciate the level of care you receive from a trusted financial advisor.

Although the distinction between the Fiduciary and Suitability methods of offering advice is rarely discussed by “broker-led” large financial companies, we feel it is essential for investors to know the difference.

“What’s What” relates to the Standard of Care upon which financial advice is provided to the investing public:

The Fiduciary standard requires advice to be provided in the best interests of the client including the disclosure of possible conflicts of interest.

The Suitability standard states that a broker only needs to check the suitability of a prospective buyer, based primarily upon financial objectives, current income level and age, in order to complete a commissionable sale of a financial product.

In a way, when a broker checks the suitability of a potential buyer, they are measuring how much financial product can be sold, not the needs of the investor.

No disclosure of possible conflicts of interest is required.

Common differences between the two standards involve trading commissions; for example commissions and incentives paid by mutual fund companies back to the broker dealer.

These inter-company inducements can create conflicts between the investor’s requirements and the motives of the broker.

When a company suggests the purchase of a proprietary product, such as a mutual fund or an inventoried security, such as a bond, in the knowledge they will receive a direct and upfront commission, can that suggestion be relied upon to be fair for the advantage of the client?

“Who’s Who” involves understanding who the person offering you financial advice really represents.

A Fiduciary Advisor provides advice on an independent, client by client basis.

They represent the client, not the company.

They receive a fee which is generally debited quarterly as a fractional percentage of the client’s managed asset values.

Advisors and Advisory Firms are called this because they offer financial advice in the interests of the client.

 

The Fiduciary Rule explained – Fiduciary Financial Advisor in Florida

 

The fiduciary standard of care requires that a financial adviser act solely in the client’s best interest when offering personalized financial advice.

 

Fiduciary Financial Advisor in Florida – Mintco Financial

 

As a fiduciary firm, we hold your interests above our own.

We believe trust is difficult to earn and is only achievable through long-term relationships—relationships built upon a deep understanding of who you are and what you hope to achieve.

We believe collaboration and communication is necessary for us to seek and share best practices in wealth management and uncover new opportunities for you.

We never lose sight of the fact that you worked hard for your assets, so we are equally committed to helping you achieve your goals.

 

Financial Advisor Financial Planning in Florida

 

We provide a warm, lasting and rewarding partnership.

After decades of service and experience, we remain passionate about helping our clients succeed with financial plans that become an integral and fundamental part of their lives.

Watching the unique rewards unfold for each family brings us happiness on a personal level.

We are proven advisors with enduring, consultative client relationships that span generations (since 1998).

Each year, we spend a considerable amount of time in formal learning to keep up on the dynamic financial marketplace.

We care about building and safeguarding our clients’ prosperity, and we love our work!

It is never too early or too late to begin the planning process.

We address your concerns and help you feel the security that comes with taking charge of your future.

 

Top Fiduciary Financial Advisor Florida – Our process

 

Our streamlined process begins with a complimentary consultation, which serves to answer any of your questions and to explain our planning process.

We offer highly personal service and a measured approach to financial planning, college planning, retirement planning, fiduciary investment management and estate planning.

We use industry-leading software to create a plan with you, and we make sure that you understand how your money is working for you.

We are service-oriented, and we proactively coordinate and monitor your investments and goals.

 
Best Fiduciary Financial Advisor Florida – Our core values

 

We believe that diversification is the best method for risk management.

We use our knowledge to balance your portfolio so that you reap ideal returns over longer time frames while comfortably weathering short-term fluctuations.

We focus on identifying the right mix for you, personally crafting each portfolio by taking into consideration your goals, your time frame, your investing experience and expectations, and your risk tolerance (you must rest easy).

 

WHAT SEPARATES US FROM OTHER FINANCIAL ADVISORS?

 

A combination of independence, comprehensive service, and client focus sets us apart.

 

As an independent Registered Investment Advisor, we provide the best advice for each client’s specific situation and needs without concerning ourselves with the agenda of a parent company.

 

Our services range from financial planning to investment management to estate planning—we can meet a wide range of needs under one roof.

 

Finally, we are oriented toward providing each client the attention and service they deserve. We treat our clients as individuals and not numbers.

 

Hourly Consultation – Mintco Financial – Fiduciary Financial Advisor Florida

 

All people have resources that can be used to change their situation.

Wealth, and poverty for that matter, is not simply about material resources.

People of all socioeconomic backgrounds often lack one or more essentials: organization, time, expertise, objectivity or desire to effectively direct their resources in the best way.

Our fiduciary advocacy can build upon what is already there, strengthening those resources and capabilities.

An hourly consultation may serve as a great starting point.

We welcome an opportunity to have a conversation with you, no strings attached.

 

The topics below are just some of the issues we may address with an hourly consultation client. If this list does not include your priority or concern, please contact us. We want to hear about your priority.

  • General Investment Advice
  • Financial Planning
  • Estate Planning
  • Annual Check-Up/Review
  • Education Planning
  • Risk Planning

 

Benefit from an independent review of your current financial, tax, and estate situation.

 

The hourly rate helps you determine the amount of financial services needed based on your budget.

 

Freedom to deploy our recommended financial strategy at your own pace.

 

Your financial advisor’s model should align with your goals.  

 

You can find a financial advisor for just about anything you are looking for.

The first step is to ask yourself what you want help with and what you are looking to accomplish in working with an advisor.

  • Do you have the time and ability to do everything yourself and only want someone to quickly review what you are doing to tell you that you’re on track?  An hourly advisor may be best for you.
  • Do you want to manage your own investments but want someone to help you with just financial planning issues?  An advisor who doesn’t manage assets may be best for you.
  • Are you looking for a full-service financial advisor to organize your financial goals, put a plan in place, manage your investment assets, coordinate tax planning, and keep you on track along the way?  A full-service financial advisor, like Autumn Financial Advisors, LLC, with both an advisor and portfolio manager on their team may be best for you.

As a final tip, no one can safely make any guarantees about the market or anything else.

If the advisor you are looking to work with is promising that they will beat the market or claiming that they can predict the future, RUN!

Your financial advisor should be giving you advice about a range of issues and helping you to achieve your goals, not trying to sell you products and make guarantees.

It can be easy to put off financial planning.

The sooner you get started, the sooner you can be on track for achieving your financial goals.

Find an advisor that will offer a free introductory meeting so that you can make sure you feel comfortable working with them.

Schedule a Complimentary call us now.

Or email us info@mintcofinancial.com

www.MintcoFinancial.com