WHAT MAKES US DIFFERENT
Registered Investment Adviser (RIA)
There are many things that set us apart from other institutional advisors. U.S. Investment Adviser has been structured as a Registered Investment Advisor (RIA). Which means we are completely independent and objective when making investment or financial planning recommendations to our clients. We are paid directly by our clients on a fee-only basis and receive no commissions. We are not compelled, nor do we benefit from any transaction-based compensation. Our goal is to develop personal relationships with our clients and help them find solutions that are aligned with their needs and objectives. We do not owe allegiance to any particular brokerage firm, financial product, fund family, or investment. We have the freedom to make unbiased, prudent investment decisions for our clients; and we do.
RIAs have a fiduciary duty to act in the best interest of their clients.
RIAs use institutional custodians (like Charles Schwab) to hold and safeguard their clients’ investments.
Most independent RIAs are owned by the individual advisors who run them.
Many independent RIAs provide advice and services for a fee, based on a percentage of the client’s assets.
RIA firms are registered with the Securities and Exchange Commission and are subject to the Investment Advisers Act of 1940, making RIAs some of the most highly regulated entities in the financial industry.
RIAs work with complex portfolios and address unique needs that require a highly customized level of investment expertise.
Generally, RIAs have relationships with a variety of firms that assist with tax planning, estate planning, insurance needs, and more. These affiliations allow us to help our clients with complex financial needs.
OUR PROFESSIONAL RELATIONSHIP PARTNERS
Financial, Tax and Estate Planning Services
GARY GROSS CFP®, CLU®, CHFC®
Gary has been in the financial services industry since 1994. He founded the Focused Financial practice, which specializes in exit planning strategies, and how to retain and reward key employees. In addition, he offers guidance with wealth transfer and estate planning strategies for both his business clients, as well as his individual clients. Over the years, he has implemented 401(k) and Executive Deferred Compensation plans. Gary helps his clients with retirement income distribution strategies, cash flow planning, as well as life, disability income, and long-term care insurances.
Gary offers clients both income tax preparation and income tax remediation Services under the name Guardian Tax Solutions. This service is separate from any financial planning services offered.