{"id":9343,"date":"2019-02-04T06:30:53","date_gmt":"2019-02-04T14:30:53","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=9343"},"modified":"2024-08-28T06:04:10","modified_gmt":"2024-08-28T10:04:10","slug":"why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/","title":{"rendered":"Why Independent Financial Planners are Better than Advisors Who Work at a Big Firm"},"content":{"rendered":"\n<p>Myth:\nWorking with a financial planner from a big, well-known firm is always best.<\/p>\n\n\n\n<p>Truth:\nSmall, independent financial planners offer huge benefits for an investor. <\/p>\n\n\n\n<p>Let\nme explain. <\/p>\n\n\n\n<p>Most <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?kwd=independent_financial_planners_are_better_than_advisors&amp;pagetype=blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"financial planners (opens in a new tab)\"><strong>financial planners<\/strong><\/a> who work for a large, big-name firm can\u2019t provide independent advice. Their advice may be controlled by their company. It may be persuaded by the requirement to generate revenue and income from your assets. They are burdened with the task of pleasing their bosses, meeting their company\u2019s shareholders\u2019 expectations for growth or pleasing a large board of directors. And many of these firms reward their employees with large commissions and bonuses for selling certain products \u2013 products that may not be in the best interest of their clients but that make the financial planner money in their own pockets. <\/p>\n\n\n\n<p>At\nmost independent firms, this isn\u2019t the case. <\/p>\n\n\n\n<p>It\u2019s\nextremely risky to assume that all financial advisors provide the same advice.\nConsider the overhead at these big firms. <\/p>\n\n\n\n<p>Why\ndo so many investors work with these big firms, then? <\/p>\n\n\n\n<p>Many\nare under the assumption that: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A bigger firm is<br>better <\/li>\n\n\n\n<li>You\u2019ll feel safer<br>investing with a well-known firm <\/li>\n\n\n\n<li>Brand names are<br>easier to find <\/li>\n\n\n\n<li>Firms that have<br>been in business for a long time can\u2019t rip-off their clients<\/li>\n<\/ul>\n\n\n\n<p>The\ntruth is, some of the biggest firms on Wall Street have paid more than $100\nbillion of fines for cheating clients! Why? In some circumstances, it\u2019s not the\nplanner who rips-off clients, but the executives who run the firms who take\nadvantage of investors\u2019 naivety. <\/p>\n\n\n\n<p>When\ncompanies are found guilty of misconduct, many times, it\u2019s the company assets\nthat are used to pay their fines. Small firms, on the other hand, are not\nallowed to come in contact with your assets. They must use a third-party\ncustodian, such as Schwab, Fidelity, Pershing or TD Ameritrade. <\/p>\n\n\n\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-69e91662214d4\" 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-69e91662214d4\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#Independent_Financial_Planners\" title=\"Independent Financial\nPlanners\">Independent Financial\nPlanners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#How_Can_Small_Firms_Provide_Sophisticated_Advice\" title=\"How Can Small\nFirms Provide Sophisticated Advice?\">How Can Small\nFirms Provide Sophisticated Advice?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#How_Do_These_Smaller_Firms_Make_Money\" title=\"How Do These\nSmaller Firms Make Money?\">How Do These\nSmaller Firms Make Money?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#Where_Do_These_Independent_Firms_Come_From\" title=\"Where Do These\nIndependent Firms Come From?\">Where Do These\nIndependent Firms Come From?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Independent_Financial_Planners\"><\/span><strong>Independent Financial\nPlanners <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In\nmany cases, an investor will overlook a small, independent firm simply because\nhe or she couldn\u2019t find the firm. <\/p>\n\n\n\n<p>It\u2019s\ntrue that smaller, independent financial planners don\u2019t have the same marketing\nbudgets as these large mega-firms, but an investor should be able to locate them\nfairly easily if they know where to look. <\/p>\n\n\n\n<p><a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/\" target=\"_blank\"><strong>Paladin Registry<\/strong><\/a> is a valuable resource. Not only do we offer <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/investor-tools\" target=\"_blank\"><strong>free educational services<\/strong><\/a> for investors to verify a financial planner\u2019s credentials and claims, but an investor can also look for a fully vetted and rated financial planner by <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/find\/online-financial-advisor-directory\" target=\"_blank\"><strong>name<\/strong><\/a>, <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/find\/search-for-local-financial-advisors\" target=\"_blank\"><strong>zip code<\/strong><\/a> or <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/landing\/main-site-multi\" target=\"_blank\"><strong>services<\/strong><\/a> they provide. This service is free. We make no money off these searches. We simply provide the tools to help investors make the right decision when hiring a financial planner. It\u2019s one of the most important decisions you will make, as this person will affect when you can retire, how you can live in retirement and what you\u2019re able to leave your loved ones after you\u2019re gone, if anything. We have heard retirement horror story after retirement horror story, and we want this manipulation to stop.<\/p>\n\n\n\n<p>Other\ngood resources include: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a aria-label=\" (opens in a new tab)\" href=\"http:\/\/www.FINRA.org\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>FINRA<\/strong><\/a> (for compliance data)<\/li>\n\n\n\n<li><a aria-label=\" (opens in a new tab)\" href=\"http:\/\/www.SEC.gov\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SEC<\/strong><\/a> (for additional registration and compliance data)<\/li>\n\n\n\n<li>Google (to search for relevant information using keywords)<\/li>\n<\/ul>\n\n\n\n<p>When\nyou work with a small, independent financial planning firm, many times, you\nwork directly with the firms\u2019 principals and key employees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Can_Small_Firms_Provide_Sophisticated_Advice\"><\/span><strong>How Can Small\nFirms Provide Sophisticated Advice? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Wall\nStreet firms would like you to believe that they are your only source of\nsophisticated advice and services, but that is not true. <\/p>\n\n\n\n<p>In\nfact, independent advisors may have even greater access to high-quality\nresearch because they are not limited to reports from in-house analysts. <\/p>\n\n\n\n<p>However, you must <a href=\"https:\/\/www.paladinregistry.com\/find\/search-for-local-financial-advisors\">find a high-quality independent firm and advisor<\/a>. Make sure your independent financial planner is a Registered Investment Advisor (RIA) or Investment Advisor Representative (IAR). RIAs are firms. IARs are financial advisors who are registered with RIAs. RIAs and IARs are <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-fiduciary-financial-advisors-produce-better-results\/\" target=\"_blank\"><strong>financial fiduciaries<\/strong><\/a> who are held to the highest ethical standards in the industry. They are required by law to put their clients\u2019 financial interests ahead of their own. Stockbrokers are not fiduciaries and are held to lower ethical standards. <\/p>\n\n\n\n<style type=\"text\/css\">\r\n  .articles-ad-page {\r\n   border-top: 1px solid #ADADAD;\r\n   border-bottom: 1px solid #ADADAD;\r\n   padding: 15px 0;\r\n   margin-bottom: 10px;\r\n   display: block;\r\n  }\r\n\t.articles-ad-page {padding: 10px 5px; border-top: 1px solid #BEBEBE; border-bottom: 1px solid #BEBEBE; margin-bottom: 20px;\t}\r\n\t.articles-ad-page img {float: left; margin-right: 20px; max-width: 140px; margin-top: 5px; margin-bottom: 5px; border-radius: 0;}\r\n\t.articles-ad-page .txt {line-height: 21px; margin-bottom: 0; font-size: 14px; margin-top: 4px; }\r\n  .articles-ad-page .txt p{font-size: 14px;}\r\n  .articles-ad-page .txt p a{color: #035184 !important; font-weight: bold; text-decoration: none;}\r\n  .spocored-text{color: #cac5c5; font-weight: 500; float: right; font-size: 12px;}\r\n  .wa-text{color: #183a68; font-weight: bold; float: left; font-size: 12px;}\r\n  .articles-ad-page .alignleft{ float:left!important;}\r\n  .txt-head{margin-bottom: 2px; text-align: left; margin-top: -6px;}\r\n  .txt-text{margin-bottom: 14px;}\r\n  @media screen and (max-width:767px) and (min-width:320px){\r\n      .articles-ad-page .txt-head {margin-top: -15px; float: left; width: 50%;}\r\n      .articles-ad-page .txt {width: 100% !important; margin-top: 12px;}    \r\n      .articles-ad-page { display: block;}\r\n    }\r\n  @media screen and (max-width: 360px) and (min-width: 320px){\r\n    .articles-ad-page .txt-head a {\r\n        font-size: 16px!important;\r\n        line-height: 16px!important;\r\n    }\r\n    .articles-ad-page .txt-head{\r\n        margin-right: 14px;\r\n            width: 45%;\r\n    } \r\n    .articles-ad-page img{ margin:0 10px 10px 0px!important;}\r\n  }\r\n<\/style>\r\n\r\n\r\n<p><span class=\"spocored-text\" >SPONSORED<\/span> <span  class=\"wa-text\">WISERADVISOR<\/span><\/p>\r\n<div class=\"clearfix\"><\/div>\r\n<div class=\"Articles-ad-page\"><img decoding=\"async\" class=\"alignleft-new\" style=\"margin-top: 0px;\" src=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/03\/ads-image-1.jpg\" alt=\"ad_article\" width=\"\" height=\"\"><p><\/p>\r\n<div class=\"txt-new\">\r\n<p style=\"margin-bottom: 22px;\"> <a href=\"https:\/\/www.wiseradvisor.com\/match_advisors.asp?kwd=paladin-blog-ad-why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm&amp;utm_medium=middle\" style=\"color:#035184;     font-size: 20px;font-weight: 700; text-decoration: none;\" target=\"_blank\" rel=\"noopener noreferrer\">Need a financial advisor? Compare vetted experts matched to your needs. Compare credentials and fees.<\/a><\/p>\r\n<p>Choosing the right financial advisor is daunting, especially when there are thousands of financial advisors near you. We make it easy by matching you to vetted advisors that meet your unique needs. Matched advisors are all registered with FINRA\/SEC.  <a href=\"https:\/\/www.wiseradvisor.com\/match_advisors.asp?kwd=paladin-blog-ad-why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm&amp;utm_medium=middle\" target=\"_blank\" style=\"font-weight: 700;    color: #035184;\" rel=\"noopener noreferrer\">Click to compare vetted advisors now.<\/a><\/p>\r\n<\/div>\r\n<div class=\"clearfix\"><\/div>\r\n<\/div>\r\n\r\n\r\n\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_These_Smaller_Firms_Make_Money\"><\/span><strong>How Do These\nSmaller Firms Make Money?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Because\nmost of these smaller firms don\u2019t have shareholders to worry about, a board of directors\nto please or layers of executives, they are able to provide advice that is in\nthe best interest of their clients. <\/p>\n\n\n\n<p>There\nare two ways to compensate a financial planner for their advice and services:\nFee and commission. <\/p>\n\n\n\n<p>When\nyour financial planner is paid a fee, you pay the advisor the same way you\nwould a doctor or a layer \u2013 a certain amount for the service he or she\nprovides. <\/p>\n\n\n\n<p>When\na financial planner is paid a commission, they receive a chunk of money from a\nthird-party for <em>selling<\/em> a specific\nproduct. <\/p>\n\n\n\n<p>Advisors\nwho are paid with fees have fewer conflicts of interest compared to salespeople\nwho are paid commissions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_Do_These_Independent_Firms_Come_From\"><\/span><strong>Where Do These\nIndependent Firms Come From? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many\nsmall, independent financial planning firms are created by an individual who at\none time worked for a major Wall Street firm that more than likely pressured\nthem to sell products that made the most money for the firms. Many of the\nadvisors in the Registry have told us that they left so they could do what was\nbest for their clients with no pressure from branch managers to sell particular\nproducts.<\/p>\n\n\n\n<p>When choosing a financial planner to work with, make sure you ask the <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/top-four-categories-of-questions-when-you-vet-financial-advisors\/\" target=\"_blank\"><strong>right questions<\/strong><\/a> \u2013 and know what a good and bad answer to these questions is. Education is key to stopping the Wall Street manipulation and protecting yourself from financial devastation. <\/p>\n\n\n\n<p>If you\u2019re already working with a financial planner, make sure you have a good system in place to properly <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/investor-tools\/how-to-guides\/guides-how-to-monitor-your-financial-advisor\/\" target=\"_blank\"><strong>monitor<\/strong><\/a> his or her progress. If you need help terminating a financial planner relationship, <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/what-do-i-do-about-a-bad-financial-advisor-paladin-registry-complaints\/\" target=\"_blank\"><strong>read these tips<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Myth: Working with a financial planner from a big, well-known firm is always best. Truth: Small, independent financial planners offer huge benefits for an investor. Let me explain. Most financial planners who work for a large, big-name firm can\u2019t provide independent advice. Their advice may be controlled by their company. It may be persuaded by the requirement to generate revenue and income from your assets. They are burdened with the<\/p>\n","protected":false},"author":105,"featured_media":9344,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-9343","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>Why Independent Financial Planners are Better than Advisors Who Work at a Big Firm - Paladin Registry Blog<\/title>\n<meta name=\"description\" content=\"Here&#039;s why investors should work with independent financial planners over a big name-brand firm. The reasons can save you money.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Independent Financial Planners are Better than Advisors Who Work at a Big Firm - Paladin Registry Blog\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s why investors should work with independent financial planners over a big name-brand firm. The reasons can save you money.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-04T14:30:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-28T10:04:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2019\/01\/Independent-financial-planners-Paladin-Registry.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"735\" \/>\n\t<meta property=\"og:image:height\" content=\"475\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lauren Aimes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lauren Aimes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/\",\"name\":\"Why Independent Financial Planners are Better than Advisors Who Work at a Big Firm - Paladin Registry Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/advisors\/why-independent-financial-planners-are-better-than-advisors-who-work-at-a-big-firm\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2019\/01\/Independent-financial-planners-Paladin-Registry.jpg\",\"datePublished\":\"2019-02-04T14:30:53+00:00\",\"dateModified\":\"2024-08-28T10:04:10+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/02cab6f49de5b6bd0080bffe6d5b4a41\"},\"description\":\"Here's why investors should work with independent financial planners over a big name-brand firm. 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