Etzler Financial Advisors, LLC
Matthew R. Etzler (Matt) is an independent, fee-only advisor that helps people create a more meaningful life and avoid costly mistakes along the way. Matt is passionate about helping people secure financial and physical wellness by providing seasoned guidance and solutions centered on prudent, conflict-free practices. Matt has a commitment to provide the highest quality advisory services and accomplishes this primarily in three ways:
First, through experience and expertise. Matt has nearly 30 years of experience helping people with some of their most important life decisions. Clients know they can rely on his impartial advice to provide security and confidence for years to come. Matt values continuing education to better serve his clients and has earned the following designations: Certified Financial Planner™ (CFP®), Certified Retirement Counselor (CRC®), Chartered Retirement Plans Specialist (CRPS®) and Chartered Federal Employee Benefits Consultant (ChFEBC).
Equally important is Matt's unbiased and conflict-free approach. Financial planning is about quality of life, not investment returns or the sale of some product. As a caring, objective advisor, Matt brings organization, discipline, accountability and support to the financial planning and management process. Matt avoids conflicts of interest and is compensated solely by his clients. He does not accept commissions or incentives of any kind from the sale of financial products. Matt truly serves as a fiduciary for his clients and provides unbiased, expert advice to advance their interests.
Finally, Matt is an independent fiduciary advisor. Independence allows him to seek the very best for his clients and his objectivity is never compromised by the influence or constraints of some affiliate company. Matt has the complete freedom to help clients build, protect, and carry on what’s important. Matt calls it commitment. His clients call it peace of mind.
Matt offers an introductory consultation to become acquainted with his firm and its services. Services are available by the hour, by the project, or on a ongoing basis.
If your advisor is a fiduciary, he/she should be registered as an investment advisor with either the U.S. Securities and Exchange Commission (SEC) or with the state regulatory agency within the advisor's state. You can search the Investment Adviser database https://www.adviserinfo.sec.gov/ to view professional background and conduct, including current registrations, employment history, and disclosures about certain disciplinary events involving your advisor.
When you enter your advisor’s name in the database, if the summary result specifies that your advisor is only an “Investment Adviser Rep,” they are likely a fiduciary. If the summary result specifies “Broker,” they are most likely not a fiduciary. If the summary result specifies both “Investment Adviser Rep” and “Broker,” they are dual-registered and most likely a part-time fiduciary.
It’s important to read your advisor's Form ADV, the informational document that discloses details about your advisor’s business practices including compensation arrangements and potential conflicts of interest. If your advisor doesn't have a Form ADV, it's a good sign that they're not a fiduciary.
If you would like more assurance that your advisor is acting in your best interests, you can ask your advisor to sign a Fiduciary Oath (http://www.thefiduciarystandard.org/fiduciary-oath/) declaring their commitment to adhere to a fiduciary ethic and, in so doing, be accountable for the advice he/she provides to you.