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This structure minimizes conflicts of interest, as fiduciaries don’t earn commissions from product sales. 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A fiduciary should readily confirm their status and explain what it means for your financial planning. ",[1027],{"type":129,"attrs":1028},{"color":12},{"type":783,"content":1030},[1031],{"type":18,"content":1032},[1033,1039,1044,1053],{"text":1034,"type":22,"marks":1035},"Request documentation: ",[1036,1037],{"type":38},{"type":129,"attrs":1038},{"color":12},{"text":1040,"type":22,"marks":1041},"Ask for a copy of their ",[1042],{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22,"marks":1046},"Form ADV",[1047,1050,1052],{"type":31,"attrs":1048},{"href":1049,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.investor.gov/introduction-investing/investing-basics/glossary/form-adv",{"type":129,"attrs":1051},{"color":12},{"type":820},{"text":1054,"type":22,"marks":1055},". This document, filed with the SEC, details their fiduciary duties, services offered, fees charged, and potential conflicts of interest.  ",[1056],{"type":129,"attrs":1057},{"color":12},{"type":783,"content":1059},[1060],{"type":18,"content":1061},[1062,1068],{"text":1063,"type":22,"marks":1064},"Inquire about certifications:",[1065,1066],{"type":38},{"type":129,"attrs":1067},{"color":12},{"text":1069,"type":22,"marks":1070}," Certain certifications, like Certified Financial Planner (CFP), require adherence to fiduciary standards. Verify your advisor’s credentials to ensure they meet these requirements.  ",[1071],{"type":129,"attrs":1072},{"color":12},{"type":783,"content":1074},[1075],{"type":18,"content":1076},[1077,1083,1088,1102],{"text":1078,"type":22,"marks":1079},"Clarify compensation structure: ",[1080,1081],{"type":38},{"type":129,"attrs":1082},{"color":12},{"text":1084,"type":22,"marks":1085},"Understand how your advisor is compensated. ",[1086],{"type":129,"attrs":1087},{"color":12},{"text":1089,"type":22,"marks":1090},"Fee-only advisors",[1091,1100],{"type":31,"attrs":1092},{"href":1093,"uuid":1094,"anchor":34,"target":35,"linktype":74,"story":1095},"/discover/financial-advice/fee-only-financial-advisor","c0373f2b-bfb2-49a6-9cad-862892ba7195",{"name":1096,"id":1097,"uuid":1094,"slug":1098,"url":1099,"full_slug":1099,"_stopResolving":558},"Fee only financial advisor",421857245,"fee-only-financial-advisor","discover/financial-advice/fee-only-financial-advisor",{"type":129,"attrs":1101},{"color":12},{"text":1103,"type":22,"marks":1104},", who typically operate as fiduciaries, charge flat fees or a percentage of assets under management rather than earning commissions on product sales.  ",[1105],{"type":129,"attrs":1106},{"color":12},{"type":18,"content":1108},[1109],{"text":1110,"type":22,"marks":1111},"Unbiased only works with fiduciary advisors. ",[1112],{"type":129,"attrs":1113},{"color":12},{"type":764,"attrs":1115,"content":1116},{"level":766},[1117,1122],{"text":1118,"type":22,"marks":1119},"What are the pros and cons of working with a fiduciary?",[1120],{"type":129,"attrs":1121},{"color":12},{"text":774,"type":22,"marks":1123},[1124],{"type":129,"attrs":1125},{"color":778},{"type":18,"content":1127},[1128],{"text":1129,"type":22,"marks":1130},"There are pros and cons to working with a fiduciary: ",[1131],{"type":129,"attrs":1132},{"color":12},{"type":18,"content":1134},[1135,1141],{"text":1136,"type":22,"marks":1137},"Pros",[1138,1139],{"type":38},{"type":129,"attrs":1140},{"color":12},{"text":774,"type":22,"marks":1142},[1143],{"type":129,"attrs":1144},{"color":12},{"type":18,"content":1146},[1147],{"text":1148,"type":22,"marks":1149},"Working with a fiduciary offers several advantages, including transparency and trust, as fiduciary duties legally bind them to act in your best interest. This fosters a relationship built on integrity and openness.  ",[1150],{"type":129,"attrs":1151},{"color":12},{"type":18,"content":1153},[1154],{"text":1155,"type":22,"marks":1156},"Additionally, fiduciaries provide conflict-free advice, refraining from earning commissions from product sales, thereby ensuring their recommendations are unbiased and solely in your best interest.  ",[1157],{"type":129,"attrs":1158},{"color":12},{"type":18,"content":1160},[1161],{"text":1162,"type":22,"marks":1163},"Their commitment to fiduciary duties often results in comprehensive financial planning, where they consider all aspects of your financial situation to create a cohesive strategy. ",[1164],{"type":129,"attrs":1165},{"color":12},{"type":18,"content":1167},[1168,1174],{"text":1169,"type":22,"marks":1170},"Cons",[1171,1172],{"type":38},{"type":129,"attrs":1173},{"color":12},{"text":774,"type":22,"marks":1175},[1176],{"type":129,"attrs":1177},{"color":12},{"type":18,"content":1179},[1180],{"text":1181,"type":22,"marks":1182},"Fiduciary advisors can charge higher fees than commission-based advisors. These fees reflect the value of unbiased, comprehensive advice but may be a concern for some clients.  ",[1183],{"type":129,"attrs":1184},{"color":12},{"type":764,"attrs":1186,"content":1187},{"level":766},[1188,1193],{"text":1189,"type":22,"marks":1190},"Fiduciary vs. financial advisor: which is best for me?",[1191],{"type":129,"attrs":1192},{"color":12},{"text":774,"type":22,"marks":1194},[1195],{"type":129,"attrs":1196},{"color":778},{"type":18,"content":1198},[1199],{"text":1200,"type":22,"marks":1201},"Deciding between a financial advisor vs. a fiduciary hinges on your unique needs and financial goals.  ",[1202],{"type":129,"attrs":1203},{"color":12},{"type":18,"content":1205},[1206],{"text":1207,"type":22,"marks":1208},"If you value transparency, trust, and comprehensive financial planning, a fiduciary might be your best bet. Their fiduciary duties mean that they are legally obligated to act in your best interest and ensure you get unbiased advice, thus providing peace of mind and a strong foundation for your financial future. ",[1209],{"type":129,"attrs":1210},{"color":12},{"type":18,"content":1212},[1213],{"text":1214,"type":22,"marks":1215},"If you do choose to work with a financial advisor who is not a fiduciary,  be mindful of potential conflicts of interest and make sure their recommendations align with your financial objectives. ",[1216],{"type":129,"attrs":1217},{"color":12},{"type":764,"attrs":1219,"content":1220},{"level":766},[1221,1226],{"text":1222,"type":22,"marks":1223},"Get expert financial advice",[1224],{"type":129,"attrs":1225},{"color":12},{"text":774,"type":22,"marks":1227},[1228],{"type":129,"attrs":1229},{"color":778},{"type":18,"content":1231},[1232],{"text":1233,"type":22,"marks":1234},"Understanding the differences between a fiduciary and a financial advisor can help you make informed decisions. By asking the right questions and assessing your priorities, you can select the financial professional who best matches your goals and values, setting you on the path to financial success. ",[1235],{"type":129,"attrs":1236},{"color":12},{"type":18,"content":1238},[1239,1244,1252],{"text":1240,"type":22,"marks":1241},"Unbiased will connect you with a fiduciary advisor for expert ",[1242],{"type":129,"attrs":1243},{"color":12},{"text":1245,"type":22,"marks":1246},"financial advice",[1247,1249,1251],{"type":31,"attrs":1248},{"href":815,"uuid":34,"anchor":34,"target":816,"linktype":36},{"type":129,"attrs":1250},{"color":12},{"type":820},{"text":1253,"type":22,"marks":1254},", ensuring your best interests are always the top priority. ",[1255],{"type":129,"attrs":1256},{"color":12},"article-rich-text",[1259],{"_uid":1260,"image":1261,"title":1264,"component":1276,"breadcrumbs":558},"57214071-7420-4fae-a60d-6cba8f98e414",{"alt":12,"name":12,"title":12,"filename":1262,"copyright":12,"fieldtype":1263},"https://a.storyblok.com/f/185166/4705x3137/b1ef60f1d3/fiduciary-vs-financial-advisor.webp","asset",{"type":15,"content":1265},[1266],{"type":18,"content":1267},[1268,1274],{"text":1269,"type":22,"marks":1270},"Fiduciary vs. financial advisor",[1271],{"type":25,"attrs":1272},{"class":1273},"primary-gradient",{"text":1275,"type":22},": how do these types of advisors compare?","app-hero",{"name":1278,"created_at":1279,"published_at":1280,"updated_at":1281,"id":1282,"uuid":1283,"content":1284,"slug":1293,"full_slug":1294,"sort_by_date":34,"position":1295,"tag_list":1296,"is_startpage":543,"parent_id":1297,"meta_data":34,"group_id":1298,"first_published_at":1299,"release_id":34,"lang":730,"path":34,"alternates":1300,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1285,"_uid":1286,"name":1278,"image":1287,"component":1291,"description":1292},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1288,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1289,"copyright":12,"fieldtype":1263,"meta_data":1290,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1302],{"_uid":1303,"body":1304,"title":1321,"component":1322},"5e157464-19ee-4fce-b55d-aa48e1e85cd6",[1305,1309,1313,1317],{"_uid":1306,"href":1307,"text":1308,"component":542,"openInNewWindow":558},"d0a1ed02-c049-4a9e-aaa1-096aaab24d4a","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisors",{"_uid":1310,"href":1311,"text":1312,"component":542,"openInNewWindow":558},"d4982dbe-2d39-4e18-9e56-c5e04b3fc756","https://www.unbiased.com/discover/financial-advice/financial-advisor-industry-statistics","Financial advisor industry statistics",{"_uid":1314,"href":1315,"text":1316,"component":542,"openInNewWindow":558},"2338fe19-6d33-4ace-a9ef-9825a21985d4","https://www.unbiased.com/discover/financial-advice/fiduciary-financial-advisor","Fiduciary financial advisor",{"_uid":1318,"href":1319,"text":1320,"component":542,"openInNewWindow":558},"c4f676ca-1e28-483e-8dc7-9b7b5c7e1d48","https://www.unbiased.com/discover/financial-advice/financial-advisor-vs-financial-planner","Financial advisor vs financial planner","Related articles","app-links-list",{"title":1324,"plugin":1325,"og_image":12,"og_title":12,"description":1326,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Fiduciary vs. financial advisor: how do they compare?","seo_metatags","Learn the key differences between fiduciaries and financial advisors, including their obligations and services, and which might be best for your financial needs. ","app-article",[],[],"Understand the differences between fiduciaries and financial advisors and discover the optimal fit for your unique financial needs and aspirations. 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