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Trust and Ethics

DO YOU...
  • Understand how your advisor is compensated?
  • Know that most advisors have a legal obligation to generate profits for their employers at the expense of their clients?

                     HAS YOUR ADVISOR...
  • Ever asked to review your estate planning documents?
  • Ever suggested changing the ownership or titling of your assets to facilitate the tax and expense savings language in your estate documents?
  • Given you valuable tax planning advice?  Are they prohibited from giving tax advice by their employer or liability insurance carriers?
  • Effectively coordinated the efforts of your accountant, insurance agent, and estate attorney?

Do you see value in having your advisor deliver on these services, as opposed to simply focusing on investments?


CODE OF ETHICS

Recognizing our fiduciary responsibility to clients and the public, we uphold the highest standards of care
in the industry by espousing and practicing:

Objectivity, Fairness and Suitability, Full Disclosure, Confidentiality, Integrity and Honesty,
Professionalism, Competence, and Regulatory Compliance.
  • We require that all supervised persons (employees) comply with all applicable Federal securities laws.
  • We require that all supervised persons (employees) report their personal securities transactions and holdings on a quarterly basis.
  • We require that all supervised persons (employees) reports of securities transactions and holdings be reviewed by the firms Compliance Officer.
  • We require that the firms Compliance Officer comply with applicable Federal securities laws.
  • We require that all supervised persons (employees) report any violations of our code of ethics promptly to our Compliance Officer.
  • We require that all supervised persons (employees) receive a copy of our code of ethics and any amendments.
  • We require that all supervised persons (employees) provide written acknowledgment of their receipt of the code and any amendments. These copies are to be retained in the files of the firms compliance officer.
  • We require that all supervised persons (employees) to obtain approval before they directly or indirectly acquire beneficial ownership in any security in an initial public offering or in a limited offering.
  • Supervised persons (employees) understand that failure to comply with this Code of Ethics could result in disciplinary measures, including probation without pay or dismissal from employment with Schiavi + Dattani.

NAPFA OATH

Since 1983, The National Association of Personal Financial Advisors (NAPFA) has offered consumers access to truly comprehensive, strictly Fee-Only advisors. NAPFA-Registered Financial Advisors commit themselves to three primary ideals:

  • The importance of comprehensive planning
  • The highest level of competency
  • Fee-Only Compensation

Vincent A. Schiavi, The President of Schiavi + Dattani Wealth Management Firm, is a NAPFA-Registered Financial Advisor. Vincent, along with the other financial advisors, adhere to the principles of NAPFA to help guide clients towards their financial goals and aspirations.



Quotes from well-known people on The National Association of Personal Financial Advisors
  • "I've felt comfortable for many, many years recommending NAPFA members to the readers of Money Magazine and viewers of the Today Show." ~ Jean Chatzky, Money Magazine and The Today Show
  • "Financial Planners who take commissions have a built in conflict of interest...even with disclosure, my choice would be a Fee-Only planner." ~ Jane Bryant Quinn, Newsweek
  • "I want you to stick with fee-only planners; they charge a set fee for their services, rather than relying on commissions." ~ Suze Orman, CNBC
  • "You never want to pay a broker or financial planner with commissions. If you go that route, the advisor has a huge incentive to stick you in products that generate the fattest commissions and to cajole you into buying and selling, because that's how the advisor makes the most money." ~ Jonathan Clements, The Wall Street Journal
  • "I'm a big fan of NAPFA advisors because they work on a Fee-Only basis and seem to provide truly objective advice."                 ~ Lauren Young, BusinessWeek
  • "Try looking at the National Association of Personal Financial Advisors, or NAPFA. These are financial planners who charge a fee for their services. They don't accept commissions, so there's no potential conflict of interest." ~ John Waggoner, USA Today
  • "If you need an advisor who you know won't be tempted to sell you a product to earn a commission, you might look for a fee-only planner. You can get a referral at www.napfa.org." ~ Kathy Kristof, The Los Angeles Times
  • "NAPFA is committed to elevating financial planning to a true profession. NAPFA-Registered Financial Advisors are dedicated to serving clients with trust, honesty and integrity." ~ Thomas Orecchio, CFA, ChFC, CFP NAPFA Chair 2007-2008

© 2017 Schiavi + Dattani | 2710 Centerville Rd., Suite 201, Wilmington, DE 19808 | All rights reserved
P: 302-994-4444 | F: 302-994-4443 info@SDFinancialAdvisors.com |
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