Co-Fiduciary and Fee-Only Business Model

Oxford embraces fiduciary responsibility in all of our client engagements.

Since Oxford is registered as an investment advisor with the United States Securities and Exchange Commission, and because we only charge hard dollar fees for serving as an advisor to your Investment Committee, we are deemed to be a full fiduciary. That means we share in the same responsibilities and liability as your Investment Committee members.

Because of potential conflicts of interest that arise from investment revenue sharing, compensation arrangements and other issues related to advisors with related money management and other services, Oxford believes it is essential to separate the role of fiduciary investment advisor from money management. For example, banks and brokerage firms that not only offer committee advisory services but also manage money for plan participants by including proprietary mutual funds in the plan investment menu introduce a serious conflict of interest into your relationship. We do not believe that simply avoiding proprietary products sold by your advisor is a sufficient solution. Instead, a separation of investment advisory services and mutual fund management should occur at the business model level to best safeguard participant interests. Oxford will serve only as your advisor, never in a mutual fund management role since we sponsor no products.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The information in this presentation is for educational and illustrative purposes only and does not constitute investment, tax or legal advice. The opinions expressed are those of Oxford Financial Group, Ltd. The opinions are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Oxford Financial Group, Ltd. is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission and is headquartered in Carmel, Indiana. Registration does not imply a certain level of skill or training. For more information about our firm, or to receive a copy of our disclosure Form ADV and Privacy Policy call 800.722.2289 or contact us info@ofgltd.com. OFG-20-23

The Financial Planning magazine lists of the 2020 Top 15 Firms and the 2013-2017 Top 150 RIA Firms are based on assets under management as reported in the Form ADV. The lists contain independent fee-only planning firms. Broker-dealers, insurance company affiliations and firms with substantial outside ownership stakes held by private equity firms and some outside investors are excluded. The lists do not include roll-ups, aggregators or turnkey asset management programs. To capture firms that provide true, holistic financial advice to individuals, only firms with more than 50% individual clients, as can be determined through Form ADVs, are included. The rating may not be representative of a client’s experience and is not indicative of future performance. Oxford did not pay a fee for inclusion in the rankings, but may purchase reprints.

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