Fee-only
We put our clients first. Full stop. This means no commissions, product placement fees, referral fees. No hidden or unnecessary costs. No account minimums. What we offer is independent, objective advice. As certified financial advisors, we have no conflicts of interest or any financial incentives to do anything other than provide our clients with the best investment for their situation. Our clients pay us for our advice and expertise, not for financial products.
Fiduciary Standard
As a Registered Investment Advisor, we are held to higher standards. We choose to uphold a fidiciary standard, which means we are legally required to act with undivided loyalty on behalf of our clients and put their own interests above our own. This is an important distinction. The fiduciary standard differs from the standard of conventional stock brokers, who only need to show that investments they are selling their clients are “suitable.” We believe that by following the fiduciary standard, we can better serve our clients as certified financial advisors.
We don’t take custody of your assets
Blue Spark Capital Advisors does not hold any of our clients’ assets. All assets that we manage are held by TD Ameritrade Institutional. We will never ask you to relinquish the control of your assets. We do recommend that you give us “discretionary authority” to manage your account so you never miss an opportunity to do what is in the best interest of your financial plan. Because we have determined your course of action together, we act only when it’s in your interest to implement your plan.
Transparency
You have online access to all your accounts, and more, via a website specially created for each client. You can see all activity in your TD Institutional accounts and can monitor your assets at any time and from any place. Client statements are provided by the custodian, and we provide you with further detailed statements and supplemental account information.
Integrity
As the poet and essayist Dr. Samuel Johnson (1709-1784) said, “Integrity without knowledge is weak and useless, and knowledge without integrity is dangerous and dreadful.” We live by that motto. Our fee-only model minimizes conflicts of interest. As fee-only certified financial advisors, we are selling only one thing: our knowledge.
See more about values and ethics here: CERTIFIED FINANCIAL PLANNER™ The mission of Certified Financial Planner Board of Standards 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.
