Your Dreams Matter
At Pine Brook Financial, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, designed to help you address your financial needs and concerns.
Pine Brook Financial Group
Fiduciary Duty of Care Responsibility
In simple terms, advisors with the fiduciary duty of care has the responsibility to legally be held responsible to put your needs ahead of their own. If insurance is recommended, the regulatory standard that applies is the suitability standard, which means that the recommendations meets your needs and objectives.
Insurance products are sold based on the suitability standard at both the state and insurance carrier level; this means that product recommendations must meet the stated financial needs and objectives of the client. Investment advisory services are required to be provided in accordance with a fiduciary standard; this means that the advice must be in the best interest of the client with any conflicts of interest fully disclosed to the client.
Let's Talk
Operating under the fiduciary standard of care
Advisors who operate under the fiduciary standard of care are armed with knowledge to provide sophisticated wealth-management services and advice. They are usually working as Investment Advisor Representatives under a Registered Investment Advisor (RIA) firm. They are registered with the SEC or the state security division. They have completed the necessary steps, including many hours of training and financial education courses, to become Investment Advisor Representatives (IAR).
We can also refer you to professionals who provide the following services
Trusts
Probate
Charitable Giving
Estate Planning
Tax Planning
Ready to take
The Next Step?
For more information about any of our products and services, schedule a meeting today or register to attend a seminar.
