Business Standards

From the beginning, the mission for Financial Perspectives was and will continue to be:

  • Deliver the maximum level of care and support necessary to help our clients meet their personal financial goals
  • Establish long-term advisory relationships built on a solid foundation of trust
  • Maintain an unwavering commitment to our fiduciary responsibility and uphold the highest ethical standards in the performance of our duties
  • Maintain a high level of competency in our professional skills and knowledge
  • Provide well thought out, disciplined solutions to help our clients acheive their wealth goals
  • Provide the best possible service at a competitive cost

Furthermore, we are an independent, fee-only advisory firm. We do not sell investment products and thus we do not receive commissions or kick-backs that are so prevalent in the financial industry. This assures clients that our advice is free from any conflicts of interest and is in their best interest, not ours.


To allay any concerns a potential client may have, here are the facts about how we do business and insure the safety of client's money:

  • We are not a hedge fund
  • We offer managed accounts that are in name of the client only
  • Monthly account statements are from your chosen custodian not us
  • We cannot manipulate earnings because we do not produce your statements. Any reports you do get from us can be cross-checked and verified against what is provided by your custodian
  • We do not have access to investor funds other than to deduct our fees
  • If someone sends us a check made out to us, we send it back. As a strict rule, we never handle client money
  • We have no exit penalties and no exit restrictions
  • Your account can be closed for any reason and at any time. If you do not like how we are investing your account, you can close it or have us removed from the account.
  • We do not use leverage
  • Clients can see every trade we make as our actions are completely transparent
  • We have trading rights to your account; all other aspects of the account belong to the client
  • Your money is not commingled with any other person's money