What Our Clients Want:

An independent relationship for the long term. Our clients want a relationship with a financial professional who:

  • Knows that both sides are working towards the same goal.

  • Is a fiduciary that makes investment decisions with their best interests in mind.
  • Understands their specific financial situation.
  • Offers straightforward advice that reflects their long-term goals.
  • Recommends investment solutions that best fit their unique needs.
  • Uses a fee-only structure that keeps an eye towards keeping costs low and assures unbiased advice.



What Our Clients Should Expect:

Focus on your objectives and goals.

  • We will take the time to understand you and your specific situation.
  • We will strive to ensure your needs are being met through a personal relationship and committed pursuit of your investment goals.
  • We will make portfolio recommendations consistent with your objectives.


Profile of an RIA

Our primary function is to provide financial and investment advice.

  • We typically charge a fee that is a percentage of assets under management with the fee decreasing as the AUM increases.

  • An RIA is a fiduciary. RIAs are legally bound to serve the interests of their clients.
  • RIAs are overseen by either the Securities and Exchange Commission (SEC) or the State in which they operate.
  • RIAs are not Registered Representatives.


48% of individuals interviewed with household incomes of $75K or more feel an independent financial advisor is most likely to provide them with the best advice.


--Opinion Research Corporation, "Most Would Turn to Independent Financial Advisors During This Difficult Time," survey conducted September 11-14, 2008.



Registered Representative vs. RIA

Profile of a Registered Representative and how they differ from RIAs


  • Registered Representatives (RR) are typically an employee/contractor for a broker-dealer firm. Broker-dealers are primarily in the business of buying and selling securities for their clients.

  • The primary function of a registered representative is to facilitate securities purchases and sales transactions for their clients.

  • They are usually commission-based.

  • Their responsibility to the client is to ensure that investment recommendations are suitable for the client and provide the best execution of client orders.

  • RRs are regulated by FINRA, along with the SEC and state regulatory agencies.


Only 8% of individuals interviewed with household incomes of $75K or more feel a

broker-dealer is most likely to provide them with the best advice.


--Opinion Research Corporation, "Most Would Turn to Independent Financial Advisors During This Difficult Time," survey conducted September 11-14, 2008.




Choosing the Right Option For You: 

What questions should you ask yourself?


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

  • How do I want to pay my financial professional—through fees or commissions?
  • Do I want to take a longer-term, holistic approach to the management of my investments or make it more transaction-oriented?
  • How important is it to me that my financial professional has a fiduciary responsibility to put my interests first?


50% of individuals surveyed said they are more comfortable receiving financial advice from someone who is paid a flat fee or percentage of assets versus 23% for a person who is paid on commission for products they sell.


--Opinion Research Corporation, "Most Would Turn to Independent Financial Advisors During This Difficult Time," survey conducted September 11-14, 2008.


For more information about RIAs, visit:
RIA Overview

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Benefits of an Independent

Rantham Capital

Finding the right advisor is critical to your success. Learn if an independent advisor is right for you.