Why We Are Different

“Isn't it time you expected more from your financial advisor?”

Process Vs. Product

	Commission Sales Person	Our Firm
Financial Planner Role	"Financial planners" paid to sell you insurance and investment products	Focused on eliminating your lifetime problems and dangers
Financial Planner Function	Sell you products (annuities, mutual funds, stocks, bonds, life insurance, etc.)	Promotes Financial Independence for the Clients as Priority #1, by helping you discover Your True Purpose for Money/Life
Financial Planner Focus	The Products	The Process which accomplishes what you value most!
Financial Planner Compensation	Paid commissions to sell you financial products	Compensated by client for wealth coaching
Financial Planner Solutions	Expensive products - higher costs and expenses directly affect your returns	No-load investment solutions - lower costs and expenses directly benefit your investment performance¹
Isn't it time you expected more from your financial planner? Hire a Coach!

Independent Fiduciary

Wealth and Business Planning Group, LLC (The Financial Quarterback TM) is an independent Registered Investment Advisor firm. As such we put in writing that we honor our fiduciary obligations to you as our client first and foremost. This means we have to put your interests first, not theirs. (Hey, isn’t that the way it should be?)

You’ll be shocked at how many companies will not allow their advisors to act as your Fiduciary. (Some of the biggest names on Wall Street are not allowed to act as your Fiduciary). If your current advisor "claims" they're a fiduciary to you and will act in your best interests - ask them to put it in writing...WE DO!

Financial Advisor Credentials & Experience

Perhaps one of the most challenging facets of searching for the right financial advisor is finding one with extensive experience and those qualifying credentials unique among financial advisors who care enough to provide their clients the very best in financial advice, planning, & investment management.

Education is an important ingredient in selecting a financial advisor. Don’t be fooled, many of the designations in this business are worthless and may be acquired simply by writing a check. Any financial advisor committed to the financial planning process will have the designation:

Anyone holding the CFP© mark must pass a rigorous exam, have some years of experience and obtain continuing professional education. By seeking a planner or advisor with this designation, you can be assured that the planner has made a commitment to obtain sufficient knowledge to excel in financial planning and consulting.

While second in importance to honesty and integrity, the credentials and experience Richard holds are paramount to providing clients confidence inspiring & value added financial advice, and delivering the exceptional financial service his clients have come to expect through working with him.

When you are ready to experience “TRUTH”, simply click the
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¹ Lipper Analytical, Wilshire Associates, Standard and Poor’s, and The Vanguard Group
Charles D. Ellis, Winning the Loser’s Game, Fourth Edition (New York:McGraw Hill, 2002)
Dunn, P. and R. Theisen, “How Consistently Do Active Managers Win?” Journal of Portfolio Management (1990)
Elton, E.M. Gruber and J Rentzler, “The Performance of Publicly Offered Commodity Funds,” Financial Analysts Journal (1990)
Kritzman, M., “Can Bond Managers Perform Consistently?” Journal of Portfolio Management (1983)
Malkiel, B., “Returns from Investing in Equity Mutual Funds 1971-1991,” Journal of Finance, June 1995
Carhart, M., “On Persistence in Mutual Fund Performance,” Journal of Finance, March 1997
Eugene Fama, “Random Walks in Stock Market Prices,” Financial Analysts Journal September/October 1965 (Reprinted
January/February 1995)
Malkiel, B., “A Random Walk Down Wall Street”, 8th Edition (New York: Norton & Co., 2003)

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