When HWC Financial becomes engaged in an advisory relationship with our clients, we know
they expect to receive the very best investment advisory, tax and financial planning and/or insurance
services that our experience and expertise can offer. Furthermore, we acknowledge that we are a
fiduciary as defined by law and have a fiduciary obligation to our clients and our firm’s clients when
providing advice or recommendations.
Our obligation to you as a fiduciary means that:
1. We will always place your best interests and welfare ahead of ours, our firm’s or its affiliates.
2. We will provide you with written documentation of the costs and any form of revenue our firm will
earn when providing you with financial services.
3. We acknowledge that you have entrusted us to provide objective financial advice and personalized
recommendations that avoid conflicts of interest.
4. To assure objectivity, we confirm that we are not obligated by contractual requirements, benefit
qualifications, compensation rates, quotas, production bonuses, sales contests or other incentives to
utilize or recommend proprietary financial products or financial products with whom our firm has
financial arraignments.
Our recommendations will be focused solely on what is in your best interest. As your advisor, we will
present a full range of the financial options and services and explain each to you before making our
recommendation. When making recommendations or providing advice, we reconfirm that we will be
acting in a fiduciary capacity.
Fiduciary definition:
The person and/or firm who looks after the assets on the other’s behalf is expected to act in the best
interests of the person whose assets they are in charge of – this is known as “fiduciary duty”.