We are independent and fee-only, we serve as your fiduciary, we have certified expertise that few other firms can match, we have a unique and sophisticated investment strategy, and we work as a team, not as separate advisors. Financial Professionals operate as either fiduciaries (less than 15%) or salespeople (85%). Fiduciaries have a legal duty to give advice solely for your benefit and in your best interest. Fiduciaries must put their interests completely aside to remain loyal to their fiduciary duty to you. On the other hand, salespeople are held to a suitability standard, which states that they must have reasonable grounds to believe that an investment is merely suitable for you. Salespeople have no obligation to work in your best interest or disclose any conflicts of interest. Given the differences, we strongly believe that the best way to dispense advice is as a fiduciary.