Advisors are Fiduciaries:  Advisors are held to a fiduciary standard.  A fiduciary is held to the highest standard of care and a fiduciary must place your interests first.  Most investors, after learning that Advisors are fiduciaries and brokers and insurance agents are not, opt to utilize an investment Advisor for their financial service needs.

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Advisors tell you exactly what they are paid:  No one likes to be charged fees, but in this world a fee is more clear and transparent than hidden commissions and expenses.  Investment Advisors typically charge a fee based on the assets managed.  This has many advantages, you know what you are paying; fees are clearly stated in writing; there is no incentive for your advisor to recommend one product over another for higher commission - providing you confidence that any recommendations are unbiased.

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Advisors have Investment Flexibility::  Since Advisors' fees are based on the assets and not on the products, they are not limited to investments that pay a commission.  Advisors have access to an open architecture of investments, including no-load mutual funds, loaded mutual funds purchased at the net asset value (NAV), institutional money managers, stocks, bonds, UITs and ETFs.  Also, advisory investments are absent any long-term contingent deferred sales charges, so you will not have to worry about liquidation charges or illiquid investments.

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Advisors have aligned interests with you:  Because your advisory relationship is not based on commissions, you will know that any investment recommendations or decisions are for the best interest of your portfolio.  The inherent nature of the relationship is an alignment of interests between you and the Advisor - If your assets go up, the Advisor makes more; If your assets go down, the Advisor makes less.    Unlike brokers, Advisors will ensure that investments are appropriate for you on an ongoing basis, not just at the time of purchase.

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