McLaughlin Asset Management, Inc.

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Understand the differences between:

Registered Investment Advisor (RIA)

Registered Representative (Stockbroker)

There are important differences between Independent Registered Investment Advisors and Registered Representatives.

Registered Investment Advisor (RIA)

We are an RIA and are in the business of giving advice

Independent: RIA firm typically not owned by another

Fiduciary: legally required to put clients’ interests first (a higher standard than suitability)

Typically fee-based compensation for advice

Regulated by the SEC or states (as applicable)

Registered Representative (Stockbroker)

Brokerage firm primarily in the business of buying and selling securities

Registered Representative typically an employee/contractor of brokerage firm

Typically compensated by commissions on product transactions

Held to suitability standards, not fiduciary standards

Often “look like” an advisor in marketing collateral and Web sites

Regulated primarily by NASD (but also by SEC and states)

Which Option is Right for You? Questions you should ask yourself:

What am I looking for — assistance with buying/selling securities, investment advice, or both?

How do I want to pay my financial professional? Fees? Commissions?

How important is it that my financial professional have a fiduciary responsibility to put my interests first?

Make sure you read the fine print!
After reading the disclosures on a brokerage firm’s Web site: 79% of investors said that they would be less likely to go to a brokerage firm for financial advice.

For more information, visit:

www.fpanet.org

www.consumerfed.org

Our Independent Investment Advisory Firm
“Investment advisors have a fiduciary duty to act in the best interests of their clients at all times. Brokerage firms generally are not fiduciaries to their customers and therefore do not make decisions that are solely in their customers' best interests.” (recent TD Ameritrade publication, “What You Need To Know About Financial Advice”)

Experience 30+ years of investment industry experience.
Independent employee-owned and operated investment management firm specializing in stocks, bonds, exchange-traded-funds and mutual funds.
Relationships the goal is to establish a personal, long-term relationship with each client's ever changing lifestyle, goals and dreams.
Security our firm uses one of the nation's largest brokerage firms to hold and safeguard clients' assets
Attention client centered investment process to a limited number of clients
Value our philosophy includes creating value and maximizing returns by using a disciplined approach for each and every client
Consistency maintain a long-term perspective; no market timing