What is a registered investment advisory (RIA) firm?
As a registered investment advisory firm, Treybourne Wealth Planners, Inc., acts in a fiduciary capacity-which means we put the interests of our clients ahead of our own interests. Under the Investment Advisers Act of 1940, any firm that is engaged in the business of providing financial advice for a fee is considered to be an “investment advisor.” These firms are required to be registered with the appropriate federal or state agency. As such, Treybourne Wealth Planners, Inc., is registered with the Securities and Exchange Commission (SEC).
What do our credentials mean?
- CFP® (Certified Financial PlannerTM) - CFPs have completed university coursework and passed a 10 hour exam covering nearly 90 topics. For more information, visit www.cfp.net.
- CFA® (Chartered Financial Analyst®) - CFAs must pass three exams, each of which demands a minimum of 250 hours of study and includes corporate finance and financial statements. For more information, visit www.cfainstitute.org.
- PFS (Personal Financial Specialist) - PFSs are certified public accountants who specialize in personal financial planning. The credential requires a detailed exam and significant financial planning expertise. For more information, visit www.aicpa.org.
- AIF® (Accredited Investment Fiduciary) – AIFs must meet a combination of educational, experience, and professional development milestones, including coursework, an exam and regular continuing education. The AIF® credential is issued by the Center for Fiduciary Studies and indicates a thorough knowledge of and commitment to fiduciary practice and standards. For more information, visit https://www.fi360.com.
Why choose a fee-only wealth planner?
A fee-only wealth planner is compensated solely by the client. Commission-based advisors receive commissions from product sales, such as insurance and investment products. Often these products may offer a high commission but may not be best for you. We put your interest first, always. We receive no commissions from any investment, insurance, or other financial product we recommend to you. Our only source of compensation is the fee you pay us, ensuring that you get objective advice about your finances.
Can I use just one of your services?
We offer solutions using a consultative approach, with the goal of simplifying your financial life. Typically, coordinating your investment portfolios and wealth planning is the best path to achieving this goal. While the majority of our clients seek both services, when appropriate, we are able to unbundle our services and provide only investment management or wealth planning to meet your needs.
I consider myself to be financially savvy. Do I need a wealth advisor?
Did you know that the majority of all millionaires have hired the assistance of a planner? These highly successful and disciplined people know that accountability is vital to success. However, many people with the knowledge and experience to manage their own assets will procrastinate when it is time to make a decision. Often, their needs take a back seat to jobs or family. We add value not only by helping you develop a plan, but also by implementing and adjusting it when necessary. Our knowledge and accountability as a financial advisor can help you take the necessary actions to meet your goals.