954-390-6191 dwiggin@wigginfp.com
What is a fiduciary?

A fiduciary is someone who by law is required to put her clients’ interests first.

Do all financial planners have a fiduciary responsibility?

No. Only Registered Investment Advisors have a fiduciary responsibility. Some CFP®s and investment counselors/advisors work for banks, insurance companies, or brokerage firms as fee-based advisors or commissioned salespersons and do not have fiduciary responsibility.

What is a CERTIFIED FINANCIAL PLANNER™ Practitioner?

The CFP® designation is considered the “gold standard” of financial advisory certifications. A CFP must have a college degree and be educated in a wide range of personal finance subjects, pass a two-day exam covering 90 topics, have at least three years’ experience, meet continuing-education requirements and abide by a code of ethics.

How do financial planners charge for their services?

Fee-Only financial planners charge an hourly or flat rate, or base their fees on a percentage of the assets they manage for you. Fee-based financial planners charge fees and commissions on financial products they sell you. Commission-based financial planners receive commissions from broker-dealers for selling their products to you.

How are Wiggin Financial Services advisors compensated for their services?

You pay us a percentage of the amount of assets we manage for you.

ACCOUNT VALUE
$150,000 to $2 million
$2 million to $3 million
$3 million to $4 million
Over $4 million
QUARTERLY FEES
ANNUALIZED RATE

1.25 percent
1.00 percent
0.75 percent
Negotiable
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