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A fiduciary financial advisor is a wealth professional who manages money on behalf of clients while being legally and ethically bound to act in the client’s best interest above their own compensation or firm’s incentives. We are a committed group of financial planners who continuously strive to provide financial planning to our respective clients with excellence. At Fiduciary Financial Advisors, we provide independent, fee-based financial planning and investment management tailored to your unique goals. Investment Managers You and your clients should carefully consider investment objectives, risks, charges, and expenses of Funds discussed. Data contained herein from third-party providers is obtained from what are considered reliable sources.
Tip: Always ask a prospective advisor, "Do you operate as a fiduciary at all times?"
Therefore, the performance could be incorrect, overstated or not reflective of actual retirement income strategies trading of client funds. Semi-Annual Chart Pack Where shown, performance information presented is that which has been calculated and presented by an unaffiliated third-party manager. Weekly Insights/Qtrly & Annual Outlook The indexes presented are unmanaged portfolios of specified securities and do not reflect any initial or ongoing expenses nor can it be invested in directly. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Any recommendation, opinion or advice regarding securities or markets contained in such material does not reflect the views of Verdence Capital, and Verdence Capital does not verify any information included in such material.
When Should You Work with a Fiduciary Financial Adviso


This means that for the purpose of lawsuits or bankruptcy, and sometimes for divorce, your loved one could be legally required to give someone else your hard-earned assets. Like all trusts, asset protection trusts work by ring fencing assets and placing them in the trust container for the benefit of the trust’s beneficiaries. You can gain greater protection against creditors’ claims if you give your trustee more discretion over trust distributions. For example, if your son divorces, his spouse generally won’t be able to claim a share of the trust property in the divorce settlemen


To help you reach your financial goals, consider supplementing your retirement savings through UC’s 403(b), 457(b) or DC Plans. UC provides several resources to assist with retirement planning. It is never too early to start planning for retirement. It will help small businesses save time and money, and is truly a win-win for small businesses. Use your access code to start facilitating CalSavers or exempt your business if you already offer a retirement plan. Learn about your UC retirement benefits and managing your financial life.
Staying on track for a secure financial futu


Under no circumstance is the information contained within this research to be used or considered as an offer to sell or a solicitation of an offer to buy any particular investment/security. Further, Verdence Capital assumes no responsibility for the accuracy, completeness, or timeliness of any such research or for updating such research, which is subject to change without notice at any time. It is understood that, without exception, any order based on such research that is placed for retirement income strategies execution is and will be treated as an UNRECOMMENDED AND UNSOLICITED ORDER. Any decisions you may make to buy, sell, or hold a security based on this research will be entirely your own and not in any way deemed to be endorsed or influenced by or attributed to Verdence Capital. Alternative investments are designed only for sophisticated investors who are able to bear the risk of the loss of their entire investmen

Opt for Customized Plans
While everyone should pay required taxes, good estate planning techniques enable you to legally pass more wealth to your heirs by minimizing taxes on the wealth you are transferring. Due to the access these tools provide, it is critical to keep this information and physical items like keys in secure location. Depending on your situation, this may be a long list that includes investments, hard assets, business interests, permanent life insurance and more. As you embark on this process, be sure to loop in your financial advisor, whose experience helping others develop similar plans can be an invaluable resource in this process, enabling guidance on important information and expertise unique to your circumstances.
Starting the conversation with your hei

You may have a vacation home that you built or purchased with the dream that your loved ones would continue to use it after you are gone, or you may have a homestead that you would like to pass on to someone in your famil