As independent financial advisors, we have access to a vast menu of investment products and solutions from a wide variety of companies to assist us in customizing an investment strategy designed to meet your unique long-term financial needs.

What is an independent financial professional?

Objective advice on achieving your financial goals may be best delivered by an independent financial professional. Your independent financial professional is not an employee of an investment or financial services firm – they are an independent business owner. They have the freedom to structure their business in a manner that best serves their clients. Your independent financial professional utilizes a broker-dealer who provides services that include processing investment business, marketing assistance, practice management, and education. In addition, a broker-dealer holds responsibility for regulatory compliance and adherence to securities laws.

What is an independent broker-dealer?

There are many different types of firms for your financial professional to consider when choosing a broker-dealer. You may be familiar with broker-dealers that are subsidiaries of commercial banks, investment banks, and investment companies. An independent broker-dealer is different from those firms because they generally do not underwrite securities, they do not create research, and they do not engage in investment banking. An independent broker-dealer allows financial professionals to offer non-proprietary products, such as mutual funds or life insurance, from a wide variety of companies. Your financial professional has chosen to work with an independent broker-dealer in order to offer you unbiased investment advice compensated in the form of fees, commissions, or both.

Why is independence important?

Just as you have the opportunity to choose your financial professional, they in turn choose their independent broker-dealer. Harbour Investments, Inc. is honored that your financial professional has chosen Harbour as their independent broker-dealer. Your financial professional believes this choice serves your best interests because Harbour is independently owned and your financial professional has the freedom to offer you objective guidance.

This means they are not forced to sell proprietary products or meet any sales quotas. Therefore, your financial professional is not pressured or distracted by corporate interests and can focus on what is best for you and your financial goals. Harbour believes in the entrepreneurial spirit of your financial professional. Instead of asking your financial professionals to fit into a mold, Harbour empowers them with a vast menu of compliance-friendly programs, products, and services. This enables your financial professional to customize an investment strategy designed to meet your unique long-term financial needs. At Wealth Distribution Strategies, LLC, we believe clients come first, and we all need the freedom to customize our businesses, our way, to best serve our clients.