02/07/2026
๐ ๐ผ๐๐ ๐ฝ๐ฒ๐ผ๐ฝ๐น๐ฒ ๐ฑ๐ผ๐ปโ๐ ๐ฟ๐ฒ๐ฎ๐น๐ถ๐๐ฒ ๐๐ต๐ฒ๐ฟ๐ฒโ๐ ๐ฎ ๐ฑ๐ถ๐ณ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐ฐ๐ฒ ๐ฏ๐ฒ๐๐๐ฒ๐ฒ๐ป ๐ฎ๐ป ๐ฎ๐ฑ๐๐ถ๐๐ผ๐ฟ ๐๐ต๐ผ ๐บ๐ฎ๐ป๐ฎ๐ด๐ฒ๐ ๐ถ๐ป๐๐ฒ๐๐๐บ๐ฒ๐ป๐๐โฆ๐ฎ๐ป๐ฑ ๐ผ๐ป๐ฒ ๐๐ต๐ผ ๐บ๐ฎ๐ป๐ฎ๐ด๐ฒ๐ ๐๐ผ๐๐ฟ ๐ฒ๐ป๐๐ถ๐ฟ๐ฒ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฝ๐ถ๐ฐ๐๐๐ฟ๐ฒ.
And that difference matters more as you get closer to retirement.
Hereโs what many investors arenโt told:
โข Commission-based advisors are often paid when products are bought or sold.
โข Fee-based advisors typically charge around 1%โbut what you get for that fee can vary widely.
The industry standard may be 1%.
The real question is: what are you actually getting for it?
Some firms charge full fees while delivering cookie-cutter portfoliosโ
little personalization, limited planning, and no clear retirement income strategy.
Thatโs where structure matters.
Working with a Registered Investment Advisor (RIA) or a CFPยฎ professional often means:
โข Fiduciary responsibility
โข Planning beyond investments
โข Advice designed around income, taxes, and long-term security
Before you hand over your portfolio, there are a few critical questions every investor should ask:
โข How are you compensated?
โข What services are included in your fee?
โข How is my retirement income plannedโnot just my investments?
โข Who is responsible for taxes, estate planning coordination, and long-term strategy?
For over 30 years, Roger Kiger, CFPยฎ, has helped individuals move beyond investment management and into true retirement planningโfocused on clarity, structure, and confidence.
If retirement is on the horizon, it may be time for a financial reviewโnot a sales pitch, just perspective.
๐ Schedule a complimentary financial review
https://rogerkiger.com/
๐ Get clarity on whether your current approach truly fits your future
No obligation. Just clarity.
