5. To share all research with our clients.<\/strong><\/p>\n[spacer height=”05px”]<\/p>\n
Our standard exceeds the Securities and Ex- change Commission (SEC), Financial Industry Regulatory
\nAuthority (FINRA), Department of Labor (DOL), and the Certified Financial Planner Board\u2019s (CFP)
\ndefinitions. Our standard is much more diligent.<\/p>\n
[spacer height=”05px”]<\/p>\n
Under their (SEC, FINRA, DOL and CFP) fiduciary rules, you must act in the best interest of the client. But in practice, it is not a violation to sell a product that is not the best in class. In other words, if I worked for a company that sold its own brand of variable annuities (I don\u2019t, but if I did) and I thought that product was appropriate for your portfolio, it would be considered \u201cok\u201d to sell you that product. What if there were 150 similar products in the market, many with lower fees and more attractive benefits? Under the old and newest standards, it is still permissible. How is that acting in the clients\u2019 best interest?<\/p>\n
[spacer height=”05px”]<\/p>\n
We will serve our community whether we are compensated or not. In many cases, we meet with people that
\njust need a hand in understanding their V.A. benefits, Social Security benefits, or employee or retiree health benefits. We don\u2019t charge folks to answer questions.<\/p>\n
[spacer height=”05px”]<\/p>\n
Since the firm was founded, I have mandated that our clients get the most appropriate solution available, whether we could offer it or not. Let\u2019s say you really need a CD from a bank. We no longer offer banking products. Wouldn\u2019t it make sense to get the highest rate available on your FDIC-insured savings? We do the research and direct you to the firm offering the solution. Remember the movie \u201cMiracle on 34th street\u201d? I didn\u2019t make this stuff up, it\u2019s just the right thing to do.<\/p>\n
[spacer height=”05px”]<\/p>\n
Common wisdom is usually based in truth, but must be altered for the time in which we live. The old 60% stock and 40% bond portfolio of great companies was the common wisdom for a dividend income plan in the 50s through the 90s. Then 2001 and 2007 hit. Gone are the old solutions, because today they no longer provide the answer people need. We adjusted before any of our clients suffered a loss; many profited in the downturns.<\/p>\n
[spacer height=”05px”]<\/p>\n
Have you ever wondered how your current and past advisors selected the financial products for your portfolio? Did they have a basket of pre-screened offerings? Pre- assembled portfolios? Were they limited to just a few choices in an effort to sell more and bolster a firm\u2019s volume bonus? We have always shared our research, product selection process, and the monies we earn with our clients. We are 100% transparent. Ask us the hard questions, we answer!<\/p>\n
[spacer height=”05px”]<\/p>\n
Bottom line, we do what we say, when we say, and share how. Just ask our<\/strong>
\nwonderful clients!<\/strong><\/p>\n[\/et_pb_text][et_pb_image admin_label=”Image” src=”https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/06\/Feature-Story-1-July-2017-1.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”left” max_width=”250px” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
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The Golden Rule & the new ERISA Fiduciary Standard [spacer height=”10px”] By David P. Schaeffer [spacer height=”10px”] Let me begin with what I believe to be a standard to run any business. The golden rule, as memory serves, \u201cDo unto others as you would have them do unto you.\u201d I don\u2019t think that goes far […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section admin_label=\"Section\" fullwidth=\"on\" specialty=\"off\"][et_pb_fullwidth_header admin_label=\"Fullwidth Header\" title=\"Feature Story #2\" background_layout=\"light\" text_orientation=\"left\" header_fullscreen=\"off\" header_scroll_down=\"off\" parallax=\"off\" parallax_method=\"off\" content_orientation=\"center\" image_orientation=\"center\" custom_button_one=\"off\" button_one_letter_spacing=\"0\" button_one_use_icon=\"default\" button_one_icon_placement=\"right\" button_one_on_hover=\"on\" button_one_letter_spacing_hover=\"0\" custom_button_two=\"off\" button_two_letter_spacing=\"0\" button_two_use_icon=\"default\" button_two_icon_placement=\"right\" button_two_on_hover=\"on\" button_two_letter_spacing_hover=\"0\" subhead=\"July 2017\"]\r\n\r\n\r\n\r\n[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section admin_label=\"section\"][et_pb_row admin_label=\"row\"][et_pb_column type=\"4_4\"][et_pb_text admin_label=\"Text\" background_layout=\"light\" text_orientation=\"left\" use_border_color=\"off\" border_color=\"#ffffff\" border_style=\"solid\" saved_tabs=\"all\"]\r\n\r\n
\u00a0<\/p>
\u00a0<\/p>\r\n\r\n[\/et_pb_text][et_pb_image admin_label=\"Image\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/11\/HealthTip_December2016.png\" show_in_lightbox=\"off\" url_new_window=\"off\" use_overlay=\"off\" animation=\"left\" sticky=\"off\" align=\"left\" max_width=\"250px\" force_fullwidth=\"off\" always_center_on_mobile=\"on\" use_border_color=\"off\" border_color=\"#ffffff\" border_style=\"solid\"]\r\n\r\n\r\n\r\n[\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7283","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\n
American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. 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