What is a Registered Investment Advisor?

 

Registered Investment Advisor (RIA) is a designation obtainable in the United States by an individual who has registered with the U.S. Securities and Exchange Commission or state regulatory agency in connection with the management of the investments of others. A RIA is legally responsible for the investment advice given. As such, a RIA has a fiduciary relationship with its clients. This distinguishes RIAs from Broker-Dealers who are typically employed by banks and large commercial investment firms.

 

The easiest way for the client or prospect to determine if they are dealing with a RIA or a broker-dealer is to ask – Do you receive any compensation for the sale of investment products? A RIA works for the client and is only compensated by the client. A broker-dealer can be compensated by the client, the product company or both. A RIA is required to disclose how much and by who compensates them. A broker-dealer does not have to disclose.

 

John Williams, our managing officer, is a Registered Investment Advisor.

 

 

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