Our Story
Integrity is doing the right thing even when no one is looking.
- C.S. Lewis
Our relationship as a team began when we were co-workers in another company. When you work for someone else, you have little power to change the conflicts of interest and unaligned priorities that can arise. As various circumstances led to each one of us choosing to leave our employer, we found ourselves brought together by a new opportunity and a desire to start a company where loyalty is owed only to the client.
What is a Fiduciary?
The word fiduciary comes from the Latin word “fiducia”, meaning “trust”. As a Registered Investment Advisor, ICM is held to the highest standard of care in our industry – the fiduciary standard. This means we always place the interests of our clients before our own while providing transparency of fees and objective, unbiased advice. Certified Financial Planners® (CFP) are also held to a fiduciary standard. ICM’s team includes two CFPs® as well as an Accredited Investment Fiduciary® (AIF) and a Chartered Retirement Planning Counselor (CRPC).
If you are currently working with a financial advisor ask yourself these questions:
- Are you working with a fiduciary? Is your advisor making investment decisions based on your best interests first and foremost?
- How much are you paying for investment and financial planning advice? Is what you are paying reasonable and competitive?
- Do you clearly understand the investment strategies recommended by your advisor and are those strategies helping you achieve your goals?
- Are your income needs being met in an efficient manner to preserve and protect the integrity of your portfolio?
- How often is your advisor looking at your account and making rebalancing decisions?
- How often do you hear from your advisor? How often do you meet with them face to face?
- Has your advisor discussed tax and estate planning issues with you?
- Does your advisor have a clean regulatory record? To perform a “broker check” go to www.finra.org