At Strategic Wealth Advisory, acting as a fiduciary isn’t just part of our process, it’s the foundation of how we serve every client. A fiduciary financial advisor is legally and ethically obligated to put your best interests first, providing advice based solely on what’s right for you—not commissions, quotas, or corporate incentives. We combine personalized financial advice with a managed-risk approach to help you protect your wealth with clarity and confidence. Being a fiduciary is a higher standard of care — and it’s why clients across Monterey Bay and beyond trust us with their financial future.

When you're making decisions about your financial future, you deserve advice you can trust — without hidden agendas. Working with a fiduciary advisor means:

• Every recommendation is made in your best interest — not based on a product or incentive.
  
• You receive clear, transparent communication about risks, opportunities, and strategies.
  
• Your assets are managed with the same diligence and care we would use for our own families.
  
• You have a true partner focused on preserving your wealth.

Choosing Strategic Wealth Advisory as your Fiduciary Advisor means choosing advice designed around you, not a big firm's priorities.

A true fiduciary advisor does more than recommend investments — they help you build a comprehensive financial strategy aligned with your goals, values, and risk tolerance. At Strategic Wealth Advisory, our services are designed to protect what you've built and plan intentionally for what comes next, with your best interests at the center of every decision.

Personalized services include:

• Financial Planning: Creating structured, objective plans to help you achieve your personal and financial goals.
  
• Tax-Efficient Strategies: Designing strategies to minimize tax impact across income, investments, and estate plans.
  
• Risk Management: Identifying, evaluating, and managing financial risks to protect your wealth from unexpected events.
  
• Investment Management: Crafting customized portfolios that align with your goals — not chasing short-term returns.
  
• Wealth Management: Coordinating all aspects of your financial life to create a cohesive, long-term plan for growth and protection.
  
• Retirement Planning: Helping you structure your assets to create reliable, sustainable retirement income.
  
• Estate & Legacy Planning: Preserving your wealth for future generations, aligned with your wishes and values.
  
• Business Services: Supporting business owners with retirement plan consulting, business planning, succession planning, and transition strategies.

Each service offered by a fiduciary financial advisor should be delivered with a fiduciary mindset, focused solely on protecting your interests, managing risk thoughtfully, and helping you build a future with greater clarity and confidence.

No, not all financial professionals are fiduciaries.

In fact, many financial professionals, especially those working for large firms, broker-dealers, or banks, operate under a different standard known as the "suitability standard." Under suitability, advisors are only required to recommend products that are considered "suitable" for a client’s situation, even if there are better or lower-cost options available.

A fiduciary financial advisor, by contrast, is legally and ethically obligated to act solely in your best interest — avoiding conflicts of interest, disclosing all fees and risks clearly, and building strategies based on your goals, not theirs. At Strategic Wealth Advisory, we operate as fiduciaries because we believe it’s the only way to deliver the kind of trust, transparency, and true partnership our clients deserve.

Finding a fiduciary advisor starts with asking the right questions — and knowing what to listen for. Here’s what to look for when choosing an advisor to help protect your wealth and guide your future:

• Ask directly if they are a fiduciary — and if they are legally required to put your best interests first at all times.
  
• Look for independence — fiduciary advisors should not be tied to selling proprietary products or meeting corporate quotas.
  
• Evaluate their process — fiduciary advisors will take time to understand your goals, values, and risk tolerance before making any recommendations.
  
• Watch for clear, transparent communication — about fees, investment strategies, and conflicts of interest.

At Strategic Wealth Advisory, we are proud to offer truly independent, fiduciary financial advice supported by decades of experience, personalized planning, and a commitment to protecting what matters most to you.

*All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Avantax Advisor Services Inc, advisory services agreement and disclosure brochure as provided.