Independent budget advisor license#

Paul, MN 55103, Member FDIC, pursuant to a license from Visa U.S.A. The True Link Visa Prepaid Card is issued by Sunrise Banks N.A., St. True Link is not associated or endorsed by the Social Security Administration or any other governmental agency. Please consult the appropriate advisor regarding your specific circumstances. nor True Link Financial Advisors, LLC provides legal or tax advice. does not provide investment management services and neither True Link Financial, Inc. Google Play and the Google Play Logo are trademarks of Google LLC.

Independent budget advisor software#

provides the trust administration software and record-keeping platform as well as the True Link Visa Prepaid Card and associated software platform.Īpp Store, Apple and the Apple logo are trademarks of Apple Inc. Non-deposit investment products and trust services offered by True Link Financial Advisors are not insured or guaranteed by the FDIC or any other government agency, are not obligations of any bank, and are subject to risk, including loss of principal. Nothing contained on this website should be considered an offer to sell or a solicitation to buy any securities. With respect to pooled trust clients, upon entering into an IAA, the client is the trust beneficiaries of the trust are not investment advisory clients of Adviser.

Adviser only provides investment management services upon entering into an Investment Advisory Agreement (IAA) with a client.

Independent budget advisor registration#

(“True Link Financial” and, together with the Adviser, “True Link”) Registration with the SEC authorities as a Registered Investment Adviser does not imply a certain level of skill or training nor does it constitute an endorsement of the advisory firm by the SEC. Securities and Exchange Commission (“SEC”) and wholly-owned subsidiary of True Link Financial, Inc. If you are looking for investment advice, a financial adviser has to tell you if the advice is being given on an independent or non-independent basis.*Investment Management Services are provided through True Link Financial Advisors, LLC, (the “Adviser”) an investment adviser registered with the U.S. Mixed status advisers: the number of products the adviser can advise on and the number of financial service providers they sell products for varies.įor example, a financial adviser might offer advice on pension products from six financial services providers, but may be tied to one insurance company when advising and selling home insurance, so can only advise and offer products from that insurance company.Ī financial adviser can only call themselves independent if they carry out a fair analysis of the market, meaning that they give advice on all financial products, right across the market. They cannot offer financial products from other financial services providers they are not tied to. Tied agents: only advise and sell products from the financial services providers they are tied to. They are sometimes called fair analysis advisers. They must consider and advise you on the most suitable financial product or products available in the market. They are sometimes referred to as ‘restricted intermediaries’.Īuthorised advisers: give advice about all financial products right across the market even if they don’t hold a letter of appointment from the financial service provider. They must hold what is known as a letter of appointment from the financial service providers they advise and sell products on behalf of. Multi-agency intermediaries: give advice about, and sell products from, a number of financial service providers. The table below explains the different types of financial advisers and what they can do for you.

Some advisers are independent, meaning they offer advice on all financial products available in the market, while others offer a restricted service, meaning they only offer advice on financial products from a limited number of providers.

There are many different terms used to describe financial advisers.

significant life changes, for example starting a family, getting divorcedĪn adviser can help you to find the most suitable financial product based on your personal circumstances.

buying a property or taking out a mortgage.

making the most of a lump sum of money such as a redundancy payment or an inheritance.

When might I need financial advice and how can an adviser help me?Ī financial adviser may be able to help you with: