Fiduciary Advisor Solutions was created to help financial advisors achieve a fiduciary standard. It accomplishes this goal with attention to detail, fidelity to process, and insight into markets. FAS’s Macro-Micro Architecture™ was crafted with these elements. It produces asset allocation models with unparalleled downside-risk protection and upside growth. Superior allocation models and discerning communication are the hallmarks of a financial fiduciary.
Asking someone whether they’ll beat the market is a pretty good litmus test for whether you want to work with them. What they should be promising is good advice across a range of issues, not just investments. And inside your portfolio, they should be asking you about how many risks you want to take, how long your time horizon is and bragging about their ability to help you achieve your goals while keeping you from losing your shirt when the economy or the markets sag.
 Broker-dealers are regulated by the SEC, but they are not required to be fiduciaries. Rather, they are held to the “suitability standard”—they only have to prove that an investment is suitable for their client at the time of its purchase, not that the advice was in the client’s best interest. Broker-dealers typically earn a commission on sales of investments.
Many RIAs are fee-only advisors, meaning they can’t work off commission or sell a client any investment products that aren’t in the client's best interests. Financial planners don’t have to be RIAs to work under this business model. Fee-only financial planners generally make money via an hourly rate, an annual fixed retainer, or as a percentage of the investment assets they manage on behalf of their clients. They also have a fiduciary duty to their clients over any broker or dealer.
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