Is working with an independent financial advisor right for you?

Is working with an independent financial advisor right for you?


When you choose a professional to help manage your money, it’s easy to assume that all financial advisors belong to the same professional group and adhere to the same standards. In reality, though, “financial professionals fall into two general groups, according to whether they sell products or advice,” says Mike Delgass, CEO and managing director of Sontag Advisory, which has offices in New York, California, and Florida.


It’s important to understand the differences between the two before you hire financial help. It’s also helpful to understand the advantages of working with an advisor whose main responsibility is to put your best interests first.


As many of you know, we use Charles Schwab & Co., Inc. (“Schwab”) as our Custodian. Schwab provides custody, trading, and operational support services for Registered Investment Advisors like AP Wealth Management. The purpose of this information is to educate investors about working with an independent Registered Investment Advisor (RIA).


Recently, Schwab partnered with The Wall Street Journal to created educational materials centered around the theme of “Get Smarter about Living Longer” and how to prepare for more years spent in retirement due to increasing longevity.


The Wall Street Journal is a respected authority that offers investors relevant information to support important financial decisions. We hope that you find this series of articles we post on our blog helpful.




To learn more about how an independent financial advisor can help you achieve your financial goals, and to find an independent advisor near you, visit


The information contained in this post is for informational purposes only and should not be construed as investment advice or an endorsement of a specific security or other investment.



10 Things to Consider When Planning to Transition into Retirement