Yes, at all times and in every case.  We do not earn commissions, we do not sell products, and we do not accept referral fees.  We charge a fair fee to our clients based solely upon the level of assets under management, and we work exclusively for the benefit of our clients.

This matters.  Traditional stockbrokers and insurance licensed investment people, even if they call themselves “wealth managers” or “wealth advisors,” earn commissions and do not operate exclusively as fiduciaries under a fee-only agreement.  Even if they say they act as fiduciaries, can they put it in a signed writing?  Most firms prohibit their employees from putting such a statement in a signed writing because, in fact, they don’t always operate as fiduciaries.  A fiduciary must act in your best interest at all times.