Registered Investment Advisers, like Fisher Investments, are held to a fiduciary standard—a legal obligation to always act in the best interest of their clients.

Some investors work with brokers, who earn sales commissions for the financial products they sell. This creates incentives for some brokers to recommend products that may not necessarily be in your best interest, but may earn the broker a larger commission. Working with a fiduciary may help prevent this type of conflict of interest.

That’s why we pride ourselves on being a fiduciary. We’re upholding a high ethical standard for financial advisers—which isn’t something you’ll necessarily get with all money managers.

Some money managers charge commissions on products they sell in addition to their management fees. And some charges, like annuity commissions, can be upwards of 10%. Financial professionals who sell these products are often incentivized to create higher returns for themselves. Fisher Investments believes there are better options for investors.

We believe you don’t need costly, complex products to meet your retirement goals. If your adviser does, we encourage you to ask questions so you fully understand how it will help you and what are the fees and commissions you’d pay.

Fisher Investments doesn’t sell investment products that generate commissions, and trading fees are billed directly by the third-party custodian holding your accounts. Our goal is to work to keep these brokerage charges as low as possible since our revenue is based on your portfolio’s size.

Instead, we charge a single, transparent management fee, which helps minimize conflicts of interest by keeping our interests aligned with yours.

To build a portfolio designed to meet your unique retirement goals, we first learn about your needs, family, health and lifestyle. Understanding your unique situations helps us determine the portfolio mix that we believe is most likely to help you achieve your long-term investment goals and provide the portfolio income you may need.

Then, we analyze the markets to identify investments we expect to perform well moving forward before choosing the specific positions that will go in your portfolio. And we know your needs can change over time, so we’ll stay in touch to help ensure we’re keeping your portfolio well-positioned to meet your financial goals.