cover of episode Financial Advisors (Part 4): Should You Work With a Fiduciary + How to Find an Advisor

Financial Advisors (Part 4): Should You Work With a Fiduciary + How to Find an Advisor

2023/1/25
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Taylor Schulte
创立Stay Wealthy和Define Financial，专注于无佣金退休规划和财务教育。
Topics
Taylor Schulte: 本期播客讨论了寻找理财顾问的三个关键问题：什么是信托责任理财顾问以及是否应该与之合作；收费制顾问与收费型顾问的区别；退休储蓄者如何根据自身需求找到合适的理财顾问。节目中解释了信托责任和适当性标准的区别，以及如何通过查看80V表或要求签署信托承诺函来确认顾问是否始终遵守信托责任标准。此外，还讨论了收费制和收费型顾问的区别，以及如何根据自身需求选择合适的顾问类型。最后，节目中推荐了五个寻找理财顾问的资源，包括CFP委员会网站、NAPFA网站、XY规划网络、Garrett规划网络和金融规划基金会。 Tony Robbins: 信托责任理财顾问有法律义务将客户的利益置于自身利益之上。美国是唯一一个财务顾问不需要成为信托人的国家，这是因为金融游说团体的缘故。如果财务顾问是信托人，他们必须将客户的利益放在首位，即使这意味着要牺牲自身的利益。许多注册为经纪人和信托人的顾问会在提供建议的同时，销售他们从中获利的产品，这与去营养师那里寻求建议却得到肉贩的建议类似。应该选择那些只收取服务费用的独立注册投资顾问，因为他们没有动力销售任何产品。

Deep Dive

Chapters
This chapter defines what a fiduciary financial advisor is, discusses the importance of working with one, and clarifies common misconceptions about fiduciary standards.

Shownotes Transcript

Today I’m tackling part four of our series on financial advisors.

Specifically, I’m covering three BIG things:

  • What is a fiduciary financial advisor (and should investors work with one)
  • How are 'fee-only' advisors different from 'fee-based'
  • Where can retirement savers search for a financial advisor based on their needs

If you want to understand some of the most misunderstood financial terms + learn how to find a qualified advisor, today’s episode is for you.

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