Ever wondered why some financial advisors seem dodgy? I get it.

That’s exactly why I want to talk about CNO fiduciary financial advisors.

The Truth About CNO Fiduciary Standards

Here’s the deal:

A CNO fiduciary financial advisor must put your money first – it’s the law.

Think of it like this: if we were picking stocks, and I knew my cousin’s company would make me more commission, I’d still have to tell you about the better option for your portfolio.

Real Talk About Money Management

I’ve seen both sides of the fence, and here’s what matters:

• Your goals come before sales targets
• Every fee gets shown upfront
• No hiding behind fancy terms
• Clear explanations of where your money goes

What Your CNO Fiduciary Financial Advisor Actually Does

Morning to night, we:

• Track your investments
• Plan your retirement
• Sort out your taxes
• Handle insurance needs
• Keep your estate plans current

The Money Talk

Let’s be straight about costs:

Basic planning might start at £1,000

Ongoing management? Usually 0.5-1.5% of what you invest

But remember – we have to justify every penny

Warning Signs Your Advisor Isn’t Putting You First

Watch out if they:

• Push products without showing alternatives
• Skip explaining fees
• Avoid answering direct questions
• Make promises about guaranteed returns

Finding Your CNO Fiduciary Match

My top tips:

• Chat with at least three advisors
• Ask for their client list
• Check their qualifications
• Trust your gut feeling

Quick Wins with a CNO Advisor

We help you:

• Cut unnecessary fees
• Spot tax savings
• Build stronger portfolios
• Plan better for retirement

FAQs

What’s the minimum investment needed? Usually £100k, but some work with less

How often will we meet? Quarterly is standard, but it’s your call

Can I leave if I’m not happy? Yes, no long-term contracts needed

What about market crashes? We build plans for good AND bad times

The Simple Truth

Look, money stuff can be tricky.

But a CNO fiduciary financial advisor makes it clearer.

We’re legally bound to look after your interests.

No hidden agenda.

Just straight talk about making your money work better.

Whether you’re planning retirement or growing wealth, a CNO fiduciary financial advisor stands by your side – legally required to put you first.