Anyone comparing financial advisors in Chattanooga will find three business models. Commission-based advisors are paid by the companies whose funds, annuities or insurance policies they sell. Fee-based advisors charge client fees and may also earn commissions.
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Rolling over a 401(k), choosing how to draw retirement income, buying insurance or deciding what to do with a large cash balance. When no product pays the advisor, the recommendation can be judged on its merits alone.
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A fiduciary must put your interests first, disclose conflicts of interest and give advice that fits your situation. Integra Wealth holds itself to that standard throughout the relationship, not only while a plan is being prepared.
Whichever firm you consider, ask four questions. How are you paid, in every way? Are you a fiduciary at all times? Can I verify your credentials? Where will my money be held? You can verify CFP® certification on the CFP Board's Let's Make a Plan site, confirm NAPFA and FPA membership with each organisation, and read any adviser's Form ADV on the SEC website before you sign anything.
Integra Wealth, LLC101 W. 21st Street, Chattanooga, TN 37408(423) 664-0344 · david@integrawealth.comMeetings by appointment, in person or by secure video.
