Who is H&H
Ken and Julie Himmler give an insight into what drives them to do
what they do.
Ken and Julie Himmler give an insight into what drives them to do what they do.
What is a Fiduciary?
Today, titles of advisors in the financial field are confusing. From Financial Planner, Financial Advisor, Wealth Coach, Wealth
Manager, and Investment Advisor, the consumer is now tasked
with trying to find out who they are dealing with.
To make it even more confusing, you could be dealing with
someone who works on both sides of the fence. It is legal for someone to be a broker and a fiduciary, the problem is when they don't tell you how they are representing you in each transaction. Many people selling annuities, life insurance or even that work for large brokerage firms sometimes act as your fiduciary and sometimes they act as a salesperson. Have you received a disclosure on each transaction? Have your received a disclosure for each recommendation? If not, then how do you know if they are always working in your best interest. Here is a quick video on how to understand what a TRUE FIDUCIARY is.
Know Who You Are Working With
Today, people want to work with a Fiduciary. Unfortunately, many call themselves
Fiduciaries but are not. There are annuity and REIT salespeople that profess to be
Fiduciaries. There are brokers and financial advisors that profess to be Fiduciaries.
Here is a quick way to check by asking the following questions:
(1) Check to see if they are registered with the SEC as a Fiduciary and read what conflicts
of interest they have disclosed on their Form ADV Part II
(2) Have them sign a Fiduciary Agreement to be assured they are always acting in your best
interest.
WARNING If they are not registered with the SEC then they are not a Fiduciary Investment Advisor
Follow these steps to check if you are really working with a Fiduciary Advisor:
Step 1)Visit SEC.GOV Click the link above, when you get to the site, click on FIRM
Step 2) Enter Name Of Firm
Step 3) Click on Part II Brochure
Download This Fiduciary Agreement
and See If Your Advisor Will Sign It
Know Who You Are Working With
Today, people want to work with a Fiduciary. Unfortunately, many call themselves
Fiduciaries but are not. There are annuity and REIT salespeople that profess to be
Fiduciaries. There are brokers and financial advisors that profess to be Fiduciaries.
Here is a quick way to check by asking the following questions:
(1) Check to see if they are registered with the SEC as a Fiduciary and read what conflicts
of interest they have disclosed on their Form ADV Part II
(2) Have them sign a Fiduciary Agreement to be assured they are always acting in your best
interest.
WARNING If they are not registered with the SEC then they are not a Fiduciary Investment Advisor
Follow these steps to check if you are really working with a Fiduciary Advisor:
Step 1)Visit SEC.GOV Click the link above, when you get to the site, click on FIRM
Step 2) Enter Name Of Firm
Step 3) Click on Part II Brochure
Download This
Fiduciary Agreement
and See If Your Advisor Will Sign It
H&H Retirement Design and Management, Inc. is a SEC Registered Investment Advisor. For more information on our firm, please visit SEC.GOV for a full Form ADV II and the form CRS. Any discussion, text, video or communication on this site should not be considered a recommendation, projection, or assumption of any returns, risks, or future projections of any type of investment, process or plan. Any recommendation can only be made by one of our licensed advisors after consideration of acceptance as a client. No initial communications, without formal engagement should be considered a recommendation or suggestion. H&H Tax and Business Advisors, LLC. is a separate, Non-SEC Registered Advisor but is a commonly owned company practicing in tax and business advisory services. Please visit HHTBA.Com for specific services related to H&H Tax and Business Advisors, LLC. Please visit our privacy policy and terms of service for this website. Please visit our Client Relationship Summary (ADV III) and our Firm Brochure (ADV II) This site is published for residents of the United States only. Investment Advisor Representatives of H&H Retirement Design and Management Inc may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed.