All financial advisors fall into two broad categories: Registered Investment Advisor (RIA) and/or broker-dealer. EPM Financial is considered a hybrid advisor of both types. EPM Financial is associated with LPL Financial (our broker-dealer) and Private Advisor Group (our RIA.) Here's what those terms mean:
Broker-Dealer: A broker-dealer provides the infrastructure that facilitates investment trading (stocks, bonds, mutual funds, etc.) Broker-dealers are regulated by the Federal Industry Regulatory Authority (FINRA) and are held to a 'suitability standard' meaning their advice must be “suitable” for the client’s needs at that particular time.
Registered Investment Advisor: An RIA, in contrast, advises and manages client portfolios and is held to a fiduciary standard, which means they are required to act in their client's best interest. RIAs are registered with the Securities and Exchange Commission (SEC.)
Being a hybrid advisor allows us to offer clients a wider range of investment products and services. Being associated with a broker-dealer and an RIA means we have opted to be held to the highest compliance standards in the industry and are required to always do what's in the best interest of our clients.
Who is LPL Financial?
EPM Financial is associated with LPL Financial, the largest independent broker-dealer in the USA. LPL Financial provides EPM and its clients comprehensive financial planning tools, market research and an investment platform to facilitate trading on behalf of our clients.
LPL Financial also provides EPM with key financial advisory services including portfolio management tools and regulatory oversight.
Combined, these resources provide our clients with confidence and peace of mind when making financial decisions.
To learn more about LPL Financial, click the link below.
Who is Private Advisor Group (PAG)?
EPM Financial is a registered affiliate of Private Advisor Group (PAG), a Registered Investment Advisor. PAG is the largest RIA associated to LPL Financial. PAG provides EPM Financial with oversight, advisory tools, and ensuring regulatory compliance.
As an affiliate of PAG, EPM Financial elects to operate as a fiduciary advisor, meaning we are required to always act in our client's best interest. As our client, you can rest assured we are always giving you advice based on what's best for you and your financial situation, not ours.
For more information about PAG, click the link below.