Skip to main content

Integrative - Financial Life Management    "Connecting Values to Finance"

  • Phone: 518 220-4233
  • Email: elehtinen@ibrokernet.com

Tell A Friend   Schedule a Meeting   Client Login

Integrative - Financial Life Management    "Connecting Values to Finance"

  • Home
  • Advisor
  • Philosophy
  • Medicare
  • My Thoughts
  • Resources
  • Contact

 

    You are here

  1. Home
  2. Fiduciary Standard

Fiduciary Standard

  • Share on Facebook
  • Facebook Like
  • Tweet Widget
  • Linkedin Share Button

 

 

The Fiduciary Standard

A "Fiduciary" is simply someone who while managing assets has a legal, and ethical obligation, to put investor interests first. This standard has always been at the core of the firms' mission in the following ways:

 

1. Investor needs come first. We are committed to the highest professional and ethical standards. The sole focus is on your financial needs and goals and how we can best help you pursue and achieve them.

2. Avoid conflicts of interest. We provide a high level of transparency around any fees or expenses associated with your accounts; so there are never any surprises. We disclose all fees and expenses that we are reasonably aware of on recommendations that are presented.

3. Provide independent and objective guidance. As an independent firm, our allegiance is to you in providing objective, unbiased advice. We provide guidance that is objective, and unencumbered by any potential conflicts of interest.


Understanding the Fiduciary Standard

In financial services, there have traditionally been two types of standards: the suitability standard and the fiduciary standard. The suitability standard is defined as determining whether an investment product or strategy is "suitable" for the investor based on his or her financial objectives and risk comfort level. Many advisors have operated under the suitability standard where the advisor simply determines whether a recommended product or strategy is suitable for the client.

The fiduciary standard is a higher level of responsibility for the advisor. The fiduciary standard goes beyond suitability and requires that any advice on strategies be provided in the best interests of the investor. The fiduciary standard of care requires that the advisor take into consideration whether the fees are reasonable, whether there are any conflicts of interest, and whether the investments are adequately diversified.


Our Commitment to You

We continue to adhere to the fiduciary standard, and we believe this model of clear allegiance to you and transparency is in your best interest. You deserve to have your needs put first and our recommendations should align according to those needs.

 

Book a Meeting

Tell a Friend

Client Login

  • Sitemap
  • Legal, privacy, copyright and trademark information
  • 2 Normanskill Blvd, Suite 205, Delmar, New York 12054 United States
  • Phone: 518 220-4233
  • Email: elehtinen@ibrokernet.com

Securities through IBN Financial Services, Inc. Member: FINRA & SIPC, 8035 Oswego Rd, PO Box 2365, Liverpool NY 13089, 315 652 4426

http://brokercheck.finra.org/

*Education Funding Service done through subsidiary organization - WISE: Education Funding

© 2018 Integrative - Financial Life Management. All rights reserved.

Website Design For Financial Services Professionals