• How do I know if I’m working with a broker or banker as opposed to a Registered Investment Advisor?

    You must look at the fine print.  A broker or bank’s website will include variations of the phrase, “investment products are offered through…”; or “x is a registered representative of….”; or “x is a registered broker-dealer”; or, “insurance and annuity products are offered through…” 

    Any of these phrases are a possible indication that this is a broker or banker with a potential financial incentive to sell product(s). 

    Alternatively, Fireside Capital Advisors is a Registered Investment Advisor and as such, we provide fee-only advice.  
    We do not sell, or offer, investment products, insurance, or annuities.

  • Why doesn’t Fireside Capital Advisors hold custody of my accounts and assets?

    Registered Investment Advisors are not allowed to hold client assets.  The separation of advice from asset custody adds a layer of protection and security to your accounts that’s not available from a broker or bank.  Your accounts are held in your name with a third-party custodian (Charles Schwab Institutional).  You will receive a monthly account statement from Charles Schwab to verify the balances and transactions in your account.