A Registered Investment Adviser (RIA) is an individual or firm who is registered with either the Securities and Exchange Commission (SEC) or state securities authorities and who provides advice and offers analyses on investments based on a client's individual needs. Being independent means that the individual or firm is not owned by or tied to a single product provider, but instead is directed by its advisers and their clients needs.
As RIAs, it is our legal and fiduciary duty to put our clients’ interests first. Because we are independently owned, we can tailor our advice to meet our clients' individual goals. We also work directly with a specially-trained team that provides services such as preparation of monthly statements and execution of trades—allowing us to focus more time and energy on our clients.
Our advisory fee is based on a percentage of the assets we manage for you. This approach lets us use investments without up-front loads, surrender charges, or separate trading fees under our wrap program, and provide our clients with monthly statements and tax reporting.
We have the freedom to choose mutual funds and ETFs from a variety of companies because we are independent. As a result, we can select funds that fit your personal investment goals, and we have the freedom and flexibility to diversify your portfolio for both your short-term and long-term needs.
Being an independent agency, we have the flexibility to provide in-house services that address an array of complex needs, including estate planning and insurance. We also offer a diverse network of professional affiliations with expertise in a variety of areas to assist our clients with tax planning, accounting, and many other complex financial needs. Simply put, we have the ability to help clients with more than just investments.
In order to help achieve and maintain our clients’ financial goals, we strive to form personal, long-term relationships with those we serve through frequent interaction. Because Compass Financial Group is independently-owned by John, Jesse, and Jasen the accountability of the client-adviser relationship rests solely on our shoulders. This creates a strong sense of accountability to our clients.
We hold the majority of our clients' investments with Charles Schwab, an independent, third-party brokerage firm, which provides valuable safety measures and a natural system of checks and balances. We are also required to maintain public business records, which provides greater accountability for us and deeper peace of mind for our clients.
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Compass Financial Group, INC is an SEC registered investment adviser. Registration with the SEC does not imply any particular level of skill or training. For a detailed discussion of the firm and its investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities product or service. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein. Investment advisory services are offered through Compass Financial Group, INC. Insurance products and services are offered separately through individual licensed and appointed agents. Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Ramsey Solutions is not an investment advisor. For more about our relationship and how our payments create a material conflict of interest, see our SmartVestor Disclosures via the Regulatory Documents link below.
Regulatory Documents, including Form CRS and SmartVestor Disclosures