The word fiduciary comes from the Latin word “fiducia”, meaning “trust”.  As a Registered Investment Advisor, ICM is held to the highest standard of care in our industry – the fiduciary standard. This means we always place the interests of our clients before our own while providing transparency of fees and objective, unbiased advice. Certified Financial Planners® (CFP) are also held to a fiduciary standard.  ICM’s team includes two CFPs® as well as an Accredited Investment Fiduciary® (AIF) and a Chartered Retirement Planning Counselor (CRPC). 

If you are currently working with a financial advisor ask yourself these questions:

• Are you working with a fiduciary? Is your advisor making investment decisions based on your best interests first and foremost?
• How much are you paying for investment and financial planning advice?  Is what you are paying reasonable and competitive?
• Do you clearly understand the investment strategies recommended by your advisor and are those strategies helping you achieve your goals?
• Are your income needs being met in an efficient manner to preserve and protect the integrity of your portfolio?
• How often is your advisor looking at your account and making rebalancing decisions?
• How often do you hear from your advisor?  How often do you meet with them face to face?
• Has your advisor discussed tax and estate planning issues with you?
• Does your advisor have a clean regulatory record?  To perform a “broker check” go to www.finra.org