{"id":8356,"date":"2017-03-06T07:20:46","date_gmt":"2017-03-06T15:20:46","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=8356"},"modified":"2017-03-06T07:20:46","modified_gmt":"2017-03-06T15:20:46","slug":"financial-advisor-ethics-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/","title":{"rendered":"Financial Advisor Ethics:  What You Need to Know"},"content":{"rendered":"<p>Hiring a financial advisor can be one of the smartest moves you can make.\u00a0 Having a trusted advisor can mean the difference between achieving your goals and having a future full of financial stress.\u00a0 But\u2026it is extremely important to choose your advisor carefully.<\/p>\n<p>It would be nice to think that all financial advisors are required to act ethically\u2014that is, to always act in your best interest, not theirs.\u00a0 But did you know that the law doesn\u2019t require all advisors to do that?\u00a0 Read on to find out why, and learn what to do to avoid advisors who may not be required to do the best for you they can.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d393ac39f95\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d393ac39f95\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#A_Very_Low_Bar\" title=\"A Very Low Bar\">A Very Low Bar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Real_Advice_or_Sales\" title=\"Real Advice or Sales?\">Real Advice or Sales?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Does_it_Really_Make_a_Difference\" title=\"Does it Really Make a Difference?\">Does it Really Make a Difference?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Finding_the_True_Advisors\" title=\"Finding the True Advisors\">Finding the True Advisors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Certification_Agencies\" title=\"Certification Agencies\">Certification Agencies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Independent_Advisor_Data_Companies\" title=\"Independent Advisor Data Companies\">Independent Advisor Data Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Independent_Advisor_Rating_Companies\" title=\"Independent Advisor Rating Companies\">Independent Advisor Rating Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/financial-advisor-ethics-what-you-need-to-know\/#Dont_Ever_Stop_Checking\" title=\"Don\u2019t Ever Stop Checking\">Don\u2019t Ever Stop Checking<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"A_Very_Low_Bar\"><\/span><span style=\"color: #000000;\"><strong>A Very Low Bar<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hiring a financial advisor is quite different than hiring any other professional.\u00a0 You can\u2019t just look around and pick one you like best.\u00a0 For one thing, there\u2019s no state organization (like the state bar for lawyers) that requires a person to earn the status.\u00a0 Believe it or not, there\u2019s no mandatory education, experience or exhaustive testing requirements. Instead, really anyone can use the title \u201cfinancial advisor\u201d.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Real_Advice_or_Sales\"><\/span><span style=\"color: #000000;\"><strong>Real Advice or Sales?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Compounding the problem, there are two different legal standards to which advisors are held.<\/p>\n<p>The first one is the <strong>fiduciary standard<\/strong>.\u00a0 Advisors who fall under this category are legally required to put your interests first.\u00a0 <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/blog.paladinregistry.com\/advisors-2\/should-i-trust-a-fiduciary-financial-advisor\/\" target=\"_blank\">These advisors must act as a \u201ctrue\u201d advisor<\/a><\/span><\/strong>. This person needs to learn about you, your goals, and your responsibilities and then help you put a plan in place to achieve the best outcome.\u00a0 If they don\u2019t do this, you have legal recourse.\u00a0 These types of advisors are known as \u201cFiduciaries\u201d.<\/p>\n<p>The other legal standard is called the <strong>suitability standard<\/strong>.\u00a0 A financial advisor who falls under this category is not legally required to act in your best interest.\u00a0 Instead, they are simply required to make \u201csuitable\u201d recommendations for you. \u00a0So if they learn about you and your goals, they can recommend a product that pays them a higher commission, as long as it was generally suitable.\u00a0 You end up spending far more than you needed to because of the commission, but they didn\u2019t do anything wrong.\u00a0 Their duty of loyalty actually lies with the company they work for, not to you.\u00a0 These people are really product salespeople.<\/p>\n<p>Of course, there are many honest and knowledgeable salespeople out there, but the companies they work for will want (and often require them) them to sell certain products. \u00a0This creates an ethical problem\u2014these advisors may end up giving you \u201cconflicted advice\u201d.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_it_Really_Make_a_Difference\"><\/span><span style=\"color: #000000;\"><strong>Does it Really Make a Difference?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Does hiring one type over the other really make much of a difference?\u00a0 A White House Council of Economic Advisers (CEA) report states that \u201cconflicted advice\u201d about investments is estimated to cost Americans <strong>$17 billion per year<\/strong>.\u00a0 That\u2019s right \u2013 that\u2019s <strong>per year<\/strong>.<\/p>\n<p>As you can see, you are far better off to avoid these types and instead look for a fiduciary only.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Finding_the_True_Advisors\"><\/span><span style=\"color: #000000;\"><strong>Finding the True Advisors<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>So, the true advisors are fiduciaries.\u00a0 But determining who is a fiduciary and who is not can be quite difficult.\u00a0\u00a0 Sadly, there are many creative titles out there to keep everyone confused.\u00a0 Making it worse, even some fiduciaries may be \u201cdual registered\u201d so they potentially can also act as salespersons part of the time.<\/p>\n<p>Fortunately, there\u2019s a few steps you can take to cut through the confusion.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Certification_Agencies\"><\/span><span style=\"color: #000000;\">Certification Agencies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are some certification agencies that require members to adhere to a code of ethics.\u00a0 The code of ethics will usually require them to put your interests first.\u00a0 And, these certifications require significant study and testing to achieve.\u00a0 Good certifications include CFA\u00ae, CPA\u00ae, and CFP\u00ae. But, there are some designations that advisors can get that simply make them look more knowledgeable than they really are. \u00a0These may just require payment of a fee or taking one course. So it is vital to know the difference.<\/p>\n<p>There is a free online resource where you can check the quality of advisor certifications and designations: <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.paladinregistry.com\/research\/credentials-financial-certifications\" target=\"_blank\"><em>www.paladinregistry.com\/research\/credentials-financial-certifications<\/em><\/a><\/span><\/strong><em>.<\/em><strong>\u00a0<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Independent_Advisor_Data_Companies\"><\/span><span style=\"color: #000000;\">Independent Advisor Data Companies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Another option is to take advantage of independent third-party sources that collect information for you to help you figure out who is a true advisor.<\/p>\n<p>One such option is <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.brightscope.com\/\" target=\"_blank\" rel=\"nofollow\">Brightscope<\/a><\/span><\/strong>.\u00a0 Brightscope aggregates a wide variety of fiduciary and non-fiduciary advisors, so you need to do some screening, but does provide a lot of public information in a standardized format.\u00a0\u00a0 You can quickly find out if the advisors you are evaluating have a clean compliance record, which is another valid way to judge ethical behavior.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Independent_Advisor_Rating_Companies\"><\/span><span style=\"color: #000000;\">Independent Advisor Rating Companies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Other free services provide advisor ratings and screening.\u00a0 \u00a0<strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.paladinregistry.com\/\" target=\"_blank\">Paladin Registry<\/a><\/span><\/strong>, free to consumers, vets advisors and only accepts those who match specific requirements.\u00a0 \u00a0One requirement is that all advisors accepted must be fiduciaries.\u00a0 Paladin also checks credentials, requires minimum years of experience and checks out an advisor\u2019s compliance record before accepting them into the registry.\u00a0 Paladin offers a free matching service to match you up to local independent fiduciary advisors in your area that meet their standards.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dont_Ever_Stop_Checking\"><\/span><span style=\"color: #000000;\">Don\u2019t Ever Stop Checking<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>All of these resources are a good start.\u00a0 But whatever you do, take the time to verify before hiring.\u00a0 And look around very carefully.\u00a0 Keep in mind you are looking for the best advisor, not someone you like the most.\u00a0 Don\u2019t fall for a slick sales pitch, as the most friendly or charismatic advisor may not be the best or safest option for you.\u00a0 Instead, you want someone who will be your trusted advisor\u2014and always put your interests first.<\/p>\n<p>Then once you find that person, don\u2019t just relax and put it on auto-pilot.\u00a0 It\u2019s your money and it\u2019s vital that you stay on top of it.\u00a0 As Ronald Reagan said, <strong>\u201cTrust, but verify\u201d<\/strong>.\u00a0 Stay involved, read your statements when they arrive, and question anything that doesn\u2019t look right.\u00a0 A good advisor welcomes an interested investor and understands that a smart person looks after their money at all times.<\/p>\n<p><em><strong>Jeanne Klimowski is Founder of <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/wavelengthfinancial.com\/\" target=\"_blank\" rel=\"nofollow\">Wavelength Financial Content Inc.<\/a><\/span>, a provider of employee financial wellness programs and digital content for financial advisors.\u00a0<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hiring a financial advisor can be one of the smartest moves you can make.\u00a0 Having a trusted advisor can mean the difference between achieving your goals and having a future full of financial stress.\u00a0 But\u2026it is extremely important to choose your advisor carefully. It would be nice to think that all financial advisors are required to act ethically\u2014that is, to always act in your best interest, not theirs.\u00a0 But did<\/p>\n","protected":false},"author":98,"featured_media":8359,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-8356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Advisor Ethics: What You Need to Know<\/title>\n<meta name=\"description\" content=\"Having a trusted financial advisor can mean the difference between achieving your goals and having a future full of financial stress.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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