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    Home » Wealth Management » Institutional vs. Retail

    Institutional vs. Retail

    Know Your Options

    When you’re seeking financial guidance, it is helpful to understand the different types of professionals who are available and the types of services they provide.

    Brokers
    The retail financial industry distributes its products and advice through a broker, a person who introduces a willing buyer to a willing seller of a product. In many cases, the commission they receive depends upon the benefit to the company that manufactured the financial product.

    What is a Retail Product?
    Retail products, such as mutual funds, are designed to give the general public access to financial markets. Distribution and marketing costs, together with internal trading commissions, are built into these retail products.

    Advisors
    Institutional investments are handled by financial advisors. They normally receive a quarterly fee based on the value of the client’s assets being managed.

    A financial advisor can also work directly with mutual fund money managers to help reduce the additional cost of retail products.

    Wealth Management

    Many financial advisors provide wealth management services. At Heritage Financial Advisory, we use a three-step process:

    • We meet with our clients one on one to get to know them and understand their concerns, goals and vision for their financial future.
    • After assessing the client’s assets and current financial situation, we provide customized choices to help get them where they want to go. A financial strategy may be comprised of investment management, building a guaranteed income with insurance products and legacy planning.
    • After setting the strategy in motion, we continue to work closely with the client to make sure it is performing up to their standards and make any necessary adjustments.

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    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Heritage Financial Advisory are not affiliated companies.

    Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

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