Stonecreek Wealth Advisors is an independent, fee-only, Registered Investment Advisor firm providing investment advisor services for individuals, professional athletes and 401(k) consulting for small businesses. What Makes Us Unique Fiduciary Duty We have fiduciary duty. The SEC describes a fiduciary like this. “A fiduciary has an affirmative obligation to put client’s interests above his or her own. As a result, a fiduciary acts in the best interests of the client, even if it means putting a client’s interest above his own. A fiduciary standard is an affirmative obligation of loyalty and care that continues through the life of the relationship between the adviser and the client, and it controls all aspects of their relationship.” The client’s best interest comes first and it is the only interest that matters. We Are Not With A Broker-dealer Broker-dealers are not bound by fiduciary duty, instead must meet a much lower standard… suitability. Compared to fiduciary duty, suitability is a lower bar. Advisors associated with a broker-dealer are typically selling commission-based products. We do not sell products for commissions, we are fee-only. Independent & Fee-Only We earn no commissions. With this compensation arrangement, you know that we are just as interested in your account growing as you are. GIPS Audited Returns Make sure the returns of the money manager you use are audited by a third-party firm like Global Investment Performance Standards (GIPS). Many portfolio managers, financial advisors, stockbrokers, and financial planners claim consistent, superior performance, but do not provide independently-validated evidence of that performance from a firm like GIPS. Ask for a GIPS audit report. If they can’t provide a GIPS audit, then be leery! For more information about GIPS, visit their website at gipsstandards.org. Citations www.dol.gov/ebsa/publications/fiduciaryresponsibility.html [1/10/12]