A TOD Account Can Help Avoid Probate
08/15/2019
Setting up a TOD account can help avoid probate and consequently be a viable quick fix when a trust hasn’t… read more
Why Hire a Fiduciary Financial Advisor?
As a fiduciary financial advisor we are required, legally and ethically, to provide advice in your best interest. This seems obvious, however, the majority of “financial advisors” do not provide best interest advice. As an SEC Registered Investment Advisor, we do. Shoreline Financial Advisors has been providing trusted and unbiased advice in financial planning and investment management since 1996.
Why Create a Plan?
Your financial life can become complex. A financial plan, with the help of a fiduciary, can process these complexities into a road map. This road map can help you to move forward.
Let’s be honest, most of us spend more time planning our vacations than we do planning our future. Even more, you know that it is easy to put it off until tomorrow. Therefore, the best time for you to start is today.
Why is Independence Important?
Most of the giant brokerage firms limit their “financial advisors” to an approved list of investments. Consequently, these lists do not include lower cost investment vehicles. Funds like Vanguard or DFA.
In contrast, an independent financial advisor recommends the best solution for you. Further, there are no proprietary products, no hidden fees, no sales quotas.
Word of the Week: 12b-1 Fee
A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. The 12b-1 fee is considered to be an operational expense and, as such, is included in a fund’s expense ratio.
Definition from investopedia.com
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