Fiduciary vs. Rep: Who’s Really Looking Out for Your Money?

This episode explains the key difference between a fiduciary financial advisor (IAR/RIA) and a financial representative (registered rep), the legal standards they follow, and how those differences can affect your wallet and long-term plan. It also covers practical steps to tell who you’re working with — registrations, standards of care, compensation models, and disclosures — and when a fee-only fiduciary or a commission-based rep might be the right fit.