Points of Differentiation
To perform due diligence while selecting a
financial advisor, use this checklist as a reference:
|Points of Differentiation||Zhang Financial||Other Advisor|
|Registered with NAPFA at www.napfa.org as a fiduciary Fee-Only CERTIFIED FINANCIAL PLANNER™||Yes||Yes / No|
|Upholds a Fiduciary Standard, does not offer proprietary funds or receive any compensation from product companies?||Yes||Yes / No|
|Client's assets are held by a third-party custodian such as LPL, the largest independent broker-dealer in the industry, or TD Ameritrade, an industry leader in technology and client service?||Yes||Yes / No|
|Able to coordinate financial planning, estate planning, investment management and risk management?||Yes||Yes / No|
|Comfortable working with client's current estate planning attorney and CPA?||Yes||Yes / No|
|Advisory team holds the most prestigious designations and credentials in the industry including:||Yes||Yes / No|
|Firm includes a nationally ranked female advisor recognized by Barron's 1 and Financial Times 2 as one of the country's Top 100 Women Financial Advisors?||Yes||Yes / No|
|Advised by a nationally recognized financial advisor who has been ranked in publications such as:||Yes||Yes / No|
1As reported in Barron’s June 7, 2014. Based on assets under management, revenue produced for the firm, regulatory record and quality of practice and philanthropic work.
2The 2014 Financial Times Top 100 Women Financial Advisors is an independent listing produced by the Financial Times (November, 2014). The FT 100 is based on data gathered from firms, regulatory disclosures, and the FT’s research. As identified by the FT, the listing reflected each advisor’s performance in six primary areas, including assets under management, asset growth, compliance record, years in existence, credentials and accessibility. Neither firms nor their employees pay a fee to The Financial Times in exchange for inclusion in the FT 100.
3As reported in Barron’s September 15, 2017. The ranking reflects the volume of assets overseen by the advisors and their teams, revenues generated for the firms, quality of the advisors’ practices and other factors.
4As reported in Barron’s March 4, 2017. Based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.
5As reported in Forbes September 26, 2017. 2017 Disclosure: The ranking, developed by our partner Shook Research, is based on in-person and telephone due-diligence meetings and a ranking algorithm for advisors who have a minimum of seven years of experience. We consider client retention, industry experience, compliance records and firm nominations as well as quantitative criteria such as assets under management and revenue generated for their firms.
The ADV Part 2A, Firm Brochure
We also recommend that you review a firm's ADV Part 2A, Firm Brochure, which can be found on the SEC's website. The ADV Part 2A, Firm Brochure will help you understand an investment firm's revenue structure. Some financial advisory firm’s main revenue source is actually not from advisory services, but from the sale of proprietary products, commissions, kick-backs from product companies, 12B-1 fees and/or soft dollar arrangements. The revenue structure may impose a conflict of interest when the firm manages
your portfolio. Use the following link to review Zhang Financial's ADV Part 2A, Firm Brochure.
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