What is an RIA?
RIA stands for Registered Investment Advisor. We are registered in California and Oregon. As a Registered Investment Advisor, we have a fiduciary obligation to put our clients' interests above our own, and that duty applies to the entire relationship. A stockbroker, by contrast, is a registered representative of a broker-dealer and is held to a different standard, which applies to the recommendations they make.
How do I know my money is safe?
- Your investments are held by a third-party custodian, Schwab Institutional. We never hold client investments.
- We can receive statements and make trades in your account. Any withdrawal of your funds requires your approval.
- You can view your statements directly from Schwab, online or at any Schwab branch.
- Schwab’s Security Guarantee covers losses in your Schwab accounts due to unauthorized activity, including accounts managed by independent advisors, as long as you follow proper security protocols. Read Schwab’s full terms ↗
- Your assets remain yours. Schwab holds them as custodian, and federal rules require it to keep customer cash and securities separate from the firm’s own assets, so your investments are not Schwab’s property.
- Schwab Institutional offers SIPC protection of up to $500,000, including a $250,000 limit for cash. SIPC does not protect against losses caused by a decline in the market value of your securities.
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