How We Are Different

There are many choices in selecting a financial advisor and it is important to find an advisor that fits your personality and goals.   Financial Discovery is a no-commission / fee-only firm that provides comprehensive planning and investment management.

How we are different from Brokers, Banks and Insurers

Compensation (Download : How is your advisor compensated?)

	commissions for sales (load mutual funds, insurance) and trades (stocks, bonds)
	fee-based - a combination of percentage of assets plus commission
	fee-only - no commissions, a percentage of assets, pay for advice

Relationship

	suitability standard
	fiduciary standard (Download : Questions to ask your Advisor)

Investment Vehicles

	individual stock trades, mutual fund "loads"
	proprietary and illiquid funds
	insurance products (annuities & universal life)
	publicly traded Exchange Traded Funds (ETFs) and no-load mutual funds

The Financial Discovery Group follows National Association of Personal Financial Advisors (NAPFA) standards for financial planning services to minimize conflicts of interest with clients.  Members of NAPFA uphold a fiduciary duty to clients and subscribe to a code of ethics concerning objectivity, fairness and suitability, full disclosure, confidentiality, integrity and honesty, professionalism, competence, and regulatory compliance. 

How we are different from Other Fee-Only or NAPFA Advisors

In addition to the NAPFA standards, Financial Discovery Group differentiates itself through personalized service from the firm's experienced Principals, its lifecycle investment and planning approach, and a lower fee structure.