Why use a Registered Investment Advisor (RIAs)?

Registered Investment Advisors (RIAs) in the United States, such as Freeman Capital Management LLC, are governed by US  Securities laws  and are held to a higher standard known as a fiduciary.

 

What is a fiduciary?

RIA’s are held to a higher standard than stockbrokers or unregulated advisors when it comes to putting investors interest first and doing the right thing for their clients’ investments. Independent RIAs have a fiduciary duty to their clients, which means they must:

  • Act in the best interest of their client. This means the advisor must hold the client’s interest above its own in all matters.
  • Disclose all information relating to the relationship between an advisor and a client.
  • Have policies regarding affiliated broker-dealers and maintenance of brokerage accounts
  • Disclose all conflicts of interest
  • Abide by a code of ethics

 

What to avoid as an expatriate

  • Avoid investment advice from advisors such as stock brokers, insurance agents who are paid commissions though the products they are selling.
  • Avoid insurance types of contracts that lock your assets in for many years. Often products have large (5-9%) redemption fees if you want to move your money elsewhere before the contract is over. Avoid this at all costs.
  • Avoid products where the salesman gets an immediate front load or commission.
  • If an advisor is not required by law to disclose the above important considerations they often skip over the fine details.

Wealth Management

If you are considering investing in the global markets, let’s talk.

Start managing your savings, 401K Plans, retirement, Pensions, stocks and funds today. Give me a ring or send me an email.


Why use a fee-only investment advisor?

Fee-only advisors are paid exclusively by their clients. By not taking commissions or kickbacks from fund or insurance companies, conflicts of interest are eliminated.