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Frequently Asked Questions

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What is an independent financial advisor?

Independent Investment Advisor Representatives are professionals that provide personalized financial advice to their clients, many of whom have complex financial needs. Because these advisors are independent, they are not tied to any particular family of funds or investment products. As fiduciaries, they are held to the highest standard of care—and are required to act in the best interests of their clients at all times.

What does being a Fiduciary mean?

A fiduciary is a professional entrusted to manage assets or wealth while putting the client’s best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries will also adopt a code of ethics and will fully disclose how they are compensated.

What separates us from other financial advisors?

A combination of independence, comprehensive service, and client focus sets us apart. As an independent Investment Advisor Representative, we provide the best advice for each client’s specific situation and needs without concerning ourselves with the agenda of a parent company. Our services range from financial planning to investment management to estate planning to tax planning—we can meet a wide range of needs under one roof. In addition to that, having a CPA in our firm gives us more insight into taxes than most other advisors. Finally, we are oriented toward providing each client the attention and service they deserve. We treat our clients as individuals and not numbers.

Where is my money kept?

In our advisory role, we never take custody of client assets. We utilize Fidelity® Wealth Services as the custodian of client accounts and as our primary broker. Our relationship with Fidelity® Wealth Services is an arm’s length transaction with no exchange of funds between Fidelity® Wealth Services and us. When your account is established with Fidelity® Wealth Services, you provide us with limited trading authorization on your account. This authority allows us to process trades directly in client accounts.

How do I begin?

Please contact us for a complimentary “Get Acquainted” Meeting.

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Investment advisory services offered by Bay Colony Advisors, a registered investment advisor, doing business as Cook Wealth Management. No Advice may be rendered by Bay Colony Advisors, d/b/a Cook Wealth Management unless a client service agreement is in place. Bay Colony Advisors does not provide accounting, tax, or legal advice. Insurance is offered separately by Michael Cook as an independent insurance agent. Bay Colony Advisors does not supervise the insurance activities of Cook Wealth Management or Michael Cook. Principal Office: 86 Baker Avenue Extension, Suite 310, Concord, MA 01742. Phone: 978-369-7200.

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