Independence Wright Choice Financial Group has been helping clients in New Hampshire, Massachusetts, and California with their retirement planning needs since 2003. From the beginning, the company’s philosophy has been to serve as an advocate for clients and help them develop strategies tailored to their personal circumstances and unique goals. We are an independent firm. We operate under the fiduciary rule and always put our clients’ needs above all else.Deciphering the “What’s What” and “Who’s Who” of today’s complex financial services industry can be difficult, even for the most financially sophisticated members of the general investing public. Two words: fiduciary and suitability, are critical in understanding the motivation behind the person offering you financial products or advice. Recognizing the difference between the fiduciary and suitability standard may also help you to appreciate the level of care you receive from a trusted financial advisor. Although the distinction between the fiduciary and suitability methods of offering advice is rarely discussed by “broker-led” large financial companies, we feel it is essential for investors to know the difference.Broker (the suitability standard): Offers products for sale from a range of products carried by the company he or she represents. Is paid commissions calculated as a percentage of the amount of money invested into the product.Advisor (the fiduciary standard):The fiduciary standard of care requires that a financial adviser act solely in the client's best interest when offering personalized financial advice. Adviser's are usually paid fees calculated as a percentage of the assets being managed.Bottom Line: A Fiduciary Advisor represents your needs. A Suitability Broker represents products.We believe in providing financial guidance that is efficient, has no surprises, and works to achieve your goals. Have a Question Name Email Phone Question Thank you! Oops!