Who is H&H

Ken and Julie Himmler give an insight into what drives them to do what they do.

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What is a Fiduciary?
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Today, titles of advisors in the financial field are confusing. From Financial Planner, Financial Advisor, Wealth Coach, Wealth Manager, and Investment Advisor, the consumer is now tasked with trying to find out who they are dealing with. 

To make it even more confusing, you could be dealing with someone who works on both sides of the fence. It is legal for someone to be a broker and a fiduciary, the problem is when they don't tell you how they are representing you in each transaction.  Many people selling annuities, life insurance or even that work for large brokerage firms sometimes act as your fiduciary and sometimes they act as a salesperson.  Have you received a disclosure on each transaction? Have your received a disclosure for each recommendation?  If not, then how do you know if they are always working in your best interest.  Here is a quick video on how to understand what a TRUE FIDUCIARY is.