Planning and investing for the future are necessary if you want to realize your potential and find long-lasting comfort and security. But investing becomes stressful when the market appears to defy logic. Especially in periods of euphoria or panic, many investors tend to behave irrationally.
One of the keys to stress-free investing is to identify irrational swings in the market and counter them with a rational, logical and disciplined approach to financial planning and portfolio management. Our client-centered focus strives to achieve this by practicing a philosophy which views investing as a goal oriented endeavor.
That’s the difference you find as a client of WealthOne Advisors.
The current focus on fiduciary responsibility for financial representatives makes it seem as if working in a client’s best interest is the pinnacle of service for investment management. For us, it is where we begin. Our decision to operate as a fiduciary was demanded by a desire to build trusted relationships with our clients.
As a registered investment advisor, WealthOne Advisors adheres to the highest standard, the fiduciary standard. This means we are required to put your interests ahead of ours at all times by providing advice and recommending investments that are in your best interest. Brokers, by contrast, are generally not considered to have the same fiduciary duty to their clients. We believe that applying a fiduciary standard of care is critical to the foundation of a healthy client/advisor relationship. It is the base upon which we build lasting relationships with our clients.
* Fiduciary responsibilities apply to advisory services.
Our independence is a core tenet of our business. It means our research and market insights are always objective and we are free to recommend any investments that help our clients pursue their financial goals. As a client of WealthOne Advisors, you can be confident knowing that the guidance you receive is objective and grounded solely on your unique financial situation. As an independent advisor, we have no incentive nor are we under any obligation to sell a parent company’s proprietary products. That’s why we have elected to provide investment management services through our affiliation with LPL Financial, the nation’s largest independent broker/dealer.*
* As reported in Financial Planning magazine 1996-2015, based on total revenues.
Rick Alvarado holds the distinguished CERTIFIED FINANCIAL PLANNER™ and Certified Estate Planner™ designations.
Being a CFP® practitioner indicates that the financial advisor is especially well-versed in personal financial planning issues. Areas of focus include ethics, insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement and estate planning.
Being a Certified Estate Planner™ acknowledges that the financial advisor is proficient in creating custom estate plans designed to preserve, protect, and pass on a client’s estate to whom they want, when they want, and how they want.
These credentials are important benchmarks to look for as you assess the competence of different financial professionals. They show a commitment to excellence and a mastery of knowledge required to help you plan and solve for your complex financial needs.
Over 25 years of serving clients, Rick and his firm have maintained a clean record of client complaints and litigation.
Recent scandals and criminal activity among financial representatives demonstrate the importance of ethical commitment when building a life-long relationship with an investment advisor.
The Financial Industry Regulatory Authority, or FINRA, makes it easy for individuals to verify the background, certifications, and history of any financial representative. Use FINRA’s BrokerCheck web site (brokercheck.finra.org) to evaluate Rick’s track record and those of any other broker or investment advisor you have under consideration.