fiduciary financial advisor.
No offense taken but also not tossing any your way
The rule/law what ever those tried to set in motion, to my knowledge never happened. My mother in law had more then 1/2 Mil (among other things) in her IRA. She had been taken advantage of with her investments. The bank which she worked for until retiring also didn't give her the best advise.
I can go on for a long time, but to keep it short. I was asked by her children to figure out what she has. It took almost a year.
Two if her investments (for example) is a one year point to point. On June 6 of one year to June 6 of the next year (in this case). If the S&P increases on that one day, she will gain up to 4%, but if it goes above that she only gets 4%.
I'm digressing, had a financial adviser sent buy a place she had a lot of her funds in, and he said "this is not mandated yet" so he was not being fiduciary. Went on to try to explain this is not a good deal for her. We did not agree and he left.
I like Vanguard because of the low over head. Janice is another good one, but even Vanguard wanted to place her funds into a managed "Vanguard" place at a 60/40 (stock/Bonds). Her funds are now in Vanguard in the Admerials fund which is ame as what was proposed, but un-managed. The fees are much less and so far the last 3 years, she has to increase the amount of minimum withdraw because the funds are increasing so well
I am not a financial analysts/adviser
Do agree, if you can find one which does have a fiduciary responsibility then I would listen
