Roadmap Financial

Is it important to work with a “Fiduciary”?

That depends on what you think is important. Different “advisors” are held to different standards. With Series 65 credentials, Glenn Mosseller has a fiduciary responsibility to act in his clients’ best interests. Many “advisors” are not always held to this high standard, but rather what’s called a “suitability” standard. This means they can do what they deem “suitable”. In fact, many of these “advisors” work for publicly traded companies that have an obligation and fiduciary responsibility to act in their company shareholders’ best interest. 

Why hasn’t my current advisor told me about these strategies?

Unfortunately many advisors are not independent and are not allowed to give tax advise, they are in the business of selling products that simply offer little if any control or protection of your money.

Why is my current advisor trying to talk me out of making a change?

Advisors are often rewarded for “assets under management” and try to retain as many customers as possible. Simply stated, when an advisor has a customer move money somewhere else, the advisor and firm can no longer generate income from this money.

Is my money safe if I work with Roadmap Financial Consulting?

When using Safe Money Strategies, Roadmap Financial Consulting only does business with highly rated Legal Reserve Insurance Companies that are required by government regulations to maintain capital reserves greater than or equal to all of their contractual obligations.

How does Roadmap Financial Consulting get paid?

The companies we work with pay us directly. Nothing will ever be withdrawn from your insured accounts to pay Roadmap Financial Consulting. You can rest assured that we’re not in the business of making money on undisclosed fees.

How do I know Roadmap Financial Consulting is working in my best interest?

Roadmap Financial Consulting is not obligated to any one financial services institution or insurance company. We believe everyone is unique and there are no one size fits all solutions when it comes to personal finances. So we contract with a variety of companies in order to have the tools necessary to design solutions for each individual circumstance.

 

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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade, Jefferson National Life Insurance Company.

Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

 © 2017 Roadmap Financial Consulting, LLC. All Rights Reserved. 

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