RELATIONSHIPS THAT MATTER
Financial Advisors have many choices on how to practice their profession, from being an employee of a major firm or bank and selling their proprietary products, to running a complete independent practice and handling all of the compliance, selling agreements, etc. on their own.
The affiliation with Investacorp, Inc. is somewhere in-between, as an independent Broker-Dealer relationship: Brady Financial maintains its independence but hands over the work of running a back office, such as compliance and all regulatory details.
Brady Financial strives to deliver clear, objective and prudent financial advice, while adhering to the principal of good stewardship. Our independence helps maintain our fiduciary responsibility by focusing on the client’s best interest and their personal and financial wellbeing as the number one goal. Our recommendations are designed to help grow, preserve and eventually transfer wealth in accordance with our client’s goals and objectives.
Founded in 1978, Investacorp is a subsidiary of Ladenburg Thalmann Financial Services, Inc. which is a publicly traded company. Its mission is to optimize the time, talent and entrepreneurial spirit of independent financial advisors, and to help them provide their clients with proficiency, integrity and objectivity.
Investacorp clears through National Financial Services, a comprehensive clearing platform backed by the strength and reputation of Fidelity Investments, a firm with nearly 70 years of investment experience. Streetscape is the powerful global trading platform offered by NFS which gives advisors access to leading investment solutions.
ED SLOTT’S ELITE IRA ADVISOR Group℠
Ed Slott is considered to be “America’s IRA Expert” and was named “The Best” source for IRA advice by the Wall Street Journal.
Ed Slott's Elite IRA Advisor Group℠ is an exclusive organization of the leading financial advisors in the IRA industry. Members of Ed Slott's Elite IRA Advisor Group℠ train with Ed Slott and Company on a continuous basis, have completed requisite training, attend required workshops and complete mandatory exams. They are immediately notified of changes to the tax code and updates on retirement planning, so retirement dollars are safe from unnecessary taxes and fees.
Membership in Ed Slott’s Elite IRA Advisor Group℠ means having:
- Semiannual IRA educational workshops per year with Ed Slott and his team of IRA Technical Experts, along with guest speakers from Ed Slott and Company's network of expert colleagues.
- Instant access to a wealth of resources ONLY for members of Ed Slott’s Elite IRA Advisor Group, including Ed Slott and Company's custom-designed modules - diagnostic checklists that advisors can use to ensure their clients' IRAs are set up and maintained correctly.
- Immediate updates via email, webcasts and videos on the latest changes to IRA tax laws.
- 24/7 access to our IRA technical experts to confer with on complex cases.
Chris Brady is a proud member of Ed Slott's Elite IRA Advisor Group℠, and a leading expert on IRA strategies, rulings and tax changes. Brady Financial’s access to this elite organization guarantees up-to-date tools and resources to optimize strategic decisions on our client’s retirement distribution planning.
CFP Board is a non-profit organization acting in the public interest by fostering professional standards in personal financial planning through its setting and enforcement of the education, examination, experience, ethics and other requirements for CFP® certification.
The mission is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for competent and ethical personal financial planning.
The CFP® certification marks identify professionals who have met the high standards of competency and ethics established and enforced by CFP Board. CFP Board's Standards of Professional Conduct require CFP® professionals to act in their clients’ best interests.
When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board’s Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services as a “fiduciary”—acting in the best interest of their financial planning clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards.
CFP Board’s rigorous enforcement of its Standards of Professional Conduct — including releasing disciplinary information to the public — distinguishes the CFP® certification from the many other designations in the financial services industry.
The Financial Planning Association® (FPA®) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals.
FPA® supports high standards of professional competence, ethical conduct and clear, complete disclosure when serving clients. FPA’s One Connection™ for professional development, business success, advocacy and community at the national and chapter levels is truly indispensable in the advancement of today’s CFP® professionals.
FPA® works in partnership with academic leaders, regulatory and legislative bodies, financial service firms and consumer interest groups to advance the practice and profession of financial planning. Their unique resources and nationwide network of chapters provide CFP® professionals with the knowledge and community they need to succeed and grow.
The Securities Investor Protection Corporation (SIPC) was created under the Securities Investor Protection Act as a non-profit membership corporation. SIPC oversees the liquidation of member broker-dealers that close when the broker-dealer is bankrupt or in financial trouble, and customer assets are missing. In other words, SIPC protects customers if their brokerage firm fails.
Brokerage firm failures are rare. If it happens, SIPC protects the securities and cash in your brokerage account up to $500,000. The $500,000 protection includes up to $250,000 protection for cash in your account to buy securities.
Brady Financial utilizes broker accounts where clients’ assets are protected by SIPC insurance protection. Click here to see the National Financial Services Investor Protection brochure.
The Financial Industry Regulatory Authority (FINRA) is an organization dedicated to investor protection and market integrity through effective and efficient regulation of broker-dealers.
FINRA is not part of the government. It’s an independent, not-for-profit organization authorized by Congress to protect America’s investors by making sure the broker-dealer industry operates fairly and honestly.
They do this by writing and enforcing rules governing the activities of 3,900 broker-dealers with 635,000 brokers; examining firms for compliance with those rules; fostering market transparency; and educating investors.
Their independent regulation plays a critical role in America’s financial system—by enforcing high ethical standards, bringing the necessary resources and expertise to regulation and enhancing investor safeguards and market integrity—all at no cost to taxpayers.
Every investor in America relies on one thing: fair financial markets. That is why FINRA works every day to ensure that:
- Every investor receives the basic protections they deserve.
- Anyone who sells a securities product has been tested, qualified and licensed.
- Every securities product advertisement used is truthful, and not misleading.
- Any securities product sold to an investor is suitable for that investor's needs.
- Investors receive complete disclosure about the investment product before purchase.
- FINRA's BrokerCheck allows investors to research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers, as well as investment adviser firms and representatives.
Established in 1983, National Financial Services LLC (NFS), a Fidelity Investments company, is one of the largest providers of brokerage services. As of August 31, 2013, National Financial Services LLC serviced 20 million accounts representing $2.8 trillion in assets.
Fidelity Investments is one of the world’s largest providers of financial services, with custodied assets of $4.2 trillion, including managed assets of $1.8 trillion as of June 30, 2013. The firm is one of the largest mutual fund companies in the United States, and a leading provider of workplace retirement savings plans.
National Financial Services LLC is subject to the rules and regulations of the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA) and other exchanges of which National Financial Services LLC is a member, and the Municipal Securities Rulemaking Board (MSRB). These regulatory organizations each have certain rules and regulations that National Financial Services LLC must follow to safeguard your assets, including: keeping accurate records of your assets held at NFS and maintaining net capital at required levels.
In compliance with SEC rules, National Financial Services LLC has its financial information audited every year by an independent public accounting firm. Further, as a member of the NYSE and FINRA and registered with the SEC, National Financial Services LLC is subject to these organizations’ regulatory oversight and examinations.
NFS provides trade execution, clearing, and other related services for your brokerage account. Click here to see the National Financial Services Investor Protection brochure.