As a Registered Investment Advisor, we are required to file Form ADV
with the Securities and Exchange Commission
on an annual basis. This is where potential clients would go to conduct a background check on any advisor. You also can search for AIF® Designees
at www.fi 360.com
The SEC receives complaints regarding brokers and advisers who need to be investigated. We have none. If you’d like to confirm, please feel free to check us out at BrokerCheck. BrokerCheck can tell you if a broker or investment adviser is registered, if there have been certain actions such as regulatory actions, criminal convictions and customer complaints, an overview of a broker or adviser’s work history as well as identify the qualifications of both advisers and brokers based on licenses they hold.
As an investment fiduciary, CiR is legally bound to place our clients’ best interest first. We accomplish this by providing fee-only services to our clients, meaning we do not earn nor do we accept any product fees, such as commissions, from any financial products. Our clients know exactly what they are paying and more importantly, the amount we are receiving. Our firm is structured to work just for you because we are paid only by you.
We never want our clients to wonder if our investment advice is better for them or better for us. Our clients’ interests will always come first. We believe if you follow the money, you will understand the behavior. By design we are product neutral.
Regardless of the credentials on paper, when evaluating an advisor, it’s important to apply the same level of thoroughness and care you’d use in evaluating a physician, attorney, or building contractor. It’s up to you to examine their qualifications and credentials, identify any past or pending legal violations, solicit feedback from other clients, and fully understand the advisor’s service model and fee structure. While an advisor may be committed to acting in your best interests, making sure that person is fully qualified to do so is in your best interest.