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Welcome
Investing in today's challenging business climate can be rewarding especially if you are receiving objective and up to date advice.
As a Registered Investment Advisor, Dick Van Dyke is in a strategic position to look out for your best interest by recommending investments that offer lower expense ratios with no loads or commissions. Dick does not sell commission or load based brokerage products. He believes that it is difficult for brokers or advisors to be objective in helping the client choose what is best if the advisor or stockbroker is influenced by selling various financial products for a commission. Considering this, Dick gives investment advice and does financial planning on a fee basis. If you prefer, he can also help you manage your investments based on a management fee. In this way, Dick is compensated as you are achieving your goals.
Dick is also independently insurance licensed to represent income, estate and wealth transfer financial vehicles. However, he has no obligation to a particular insurance institution. He makes a disclosure when any of these institutions compensate him directly.
"Procrastination is your biggest enemy. Taking initial steps toward your goal can be the beginning of a financially rewarding future". Smarter Investing Learn More
Illinois Retire Secure Florida
Finding a Trusted Advisor
Dick Van Dyke, Registered Investment Advisor
Securing Retirements. Tax Advantaged or Tax Free!
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Illinois Retire Secure Florida
Your Retirement Deserves a Second Opinion!
Choose Your Financial Advisor Wisely
Financial Advisor Terms, Definitions and Descriptions:
Insurance Agent - An individual who sells insurance products for a commission which is licensed by the state or states they sell in.
Solicitor - An individual who connects clients or prospects with a third party firm that provides specialized financial services for a fee or commission.
Stock Broker - An individual or a firm that is licensed to transact securities business based on earning a commission from what is commonly known as a load or transaction fees.
Registered Representative - An individual who is technically employed by a Broker-Dealer as an affiliated representative sharing loads, commissions and other fees. Registered Representatives are directly influenced by the directives of their Broker/ Dealer when it comes to investment choices and strategies that can be offered to clients.
Investment Advisor Representative - An individual who is supervised by a Registered Investment Advisor as an affiliated advisor sharing planning, management and investment fees. Investment Advisor Representative are directly influenced by the directives of their Broker/ Dealer when it comes to investment choices and strategies that can be offered to clients.
Registered Investment Advisor - An individual licensed by the SEC or the State Department of Securities to give investment advice or manage investments on a fee basis with full disclosure. They are licensed to function as a fiduciary, requiring them by law to act on the highest good for the benefit of the client with full disclosure.
Fee Based - An individual who derives income from fees that are fully disclosed to the client. This individual must hold a series 65 securities license to charge financial planning or investment management fees in the State of Illinois. This person may in addition offer certain securities and insurance products on a commission basis, however; disclosure between the client and the fee based advisor is required.
Fee Only - An individual who offers no insurance or investment products that pay any form of commission. After designing a plan, they typically give the client a plan that is then implemented by someone earning additional fees or a commission.
Fiduciary - An individual licensed with the highest legal level of responsibility for the benefit of the client. This is also known as the Prudent Man rule; assisting clients in the same manner as the advisor would assist a close friend, family member or as the advisor would choose for their own benefit.
Captive Agent/ Investment Advisor Representative/ Registered Representative - An individual who is technically employed by an insurance company or a broker/dealer as an affiliated representative sharing loads, commissions and other fees. Registered Representatives are directly influenced by the directives of their Broker/ Dealer when it comes to investment choices and strategies that can be offered to clients.
Independent Agent/Registered Investment Advisor - An individual who is insurance licensed and independent to represent any company that may be of benefit to their client. By state law, insurance compensation is regulated as a commission paid to the agent. An Independent Registered Investment Advisor is an individual licensed by the SEC or the State Department of Securities, to give investment advice or manage investments on a fee basis with full disclosure. When Registered Investment Advisors are independent, they may have a full range of investment services to offer their clients. They are licensed to function as a fiduciary, requiring them by law to act on the highest good for the benefit of the client with complete disclosure.
Dick Van Dyke, Registered Investment Advisor; Independent, Fee Based, Fiduciary
Retirement Answers Disclosure
Dick Van Dyke,Registered Investment Advisor and Dick Van Dyke Financial, Ltd. offer, financial planning, investment services, insurance, estate and advanced tax planning. Questions may be chosen from actual questions asked by clients or prospective clients. Questions and names may be altered for privacy and educational purposes. These videos were produced in 2009 and will be updated from time to time contact us if you have any questions. Activities, events, and relevancy of answers are always subject to changing conditions. Nothing on Financial Answers is individual tax or investment advice everyone's situation is different and professional assistance is advised.
Website Terms of USE: Dick Van Dyke, a Registered Investment Advisor, will assist you as an Independent Advisor on a fee basis having no obligation to represent a particular product or company. Dick is insurance licensed to represent annuity and estate transfer products. He may charge a fee for his professional opinion. He is neither an attorney nor an accountant and in no way offers tax or legal advice. Obtaining the services of an accountant and an attorney may be in your best interest if you have not done so already. Your investments, annuities, pensions, and deposits are all subject to varying degrees of risk exposure. In this document "DickVanDykeFinancial.com" or DVDFinancial.com or"we" refers to DVDFinancial.com and Dick Van Dyke Financial, Ltd. and Dick Van Dyke Registered Investment Advisor. Instances of the word "you" refer to a visitor to this website who, by using our online services, agrees to these terms of use as aforementioned and as follows.
DVDFinancial.com does not offer online individual investment advice. This site is published with the understanding that the publisher is not engaged in rendering legal, tax, or online investment services. Since each individual's situation is unique, a qualified professional should be consulted before making financial decisions. This site is for educational purposes only. All financial products (CDs, Money Markets, Annuities, Bonds, & Securities) have varying degrees of risk exposure.
Annuities are guaranteed by the claims paying ability of the issuing carrier they are required to maintain a legal reserve and are not FDIC insured.
We list information on financial companies, products and rates for educational pruposes and do not offer products from all companies that we include educational information on.
The information is provided on an "as is" basis. We make no guarantees as to the accuracy, thoroughness or quality of the information, and are not responsible for errors or omissions. However we try to provide quality information with accuracy. The information provided at this site is neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S., and may differ elsewhere. Some of the site content and linked sites relate to subjects or investment strategies that might not be appropriate for some individuals. You are strongly cautioned to verify any information before using it for any personal, financial or business purpose. This site is provided on the express condition, to which all making use thereof assent, that no liability shall be incurred by DVDFinancial.com, Dick Van Dyke Financial, Ltd & Dick Van Dyke Registered Investment Advisor or any of its employees or affiliates.
You also understand that DVDFinancial.com cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data.
In no event will DVDFinancial.com be liable for (i) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if DVDFinancial.com or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such countries, DVDFinancial.com and Dick Van Dyke Financial, Ltd.'s and Dick Van Dyke Registered Investment Advisor's liability is limited to the greatest extent permitted by law.
This agreement shall all be governed and construed in accordance with the laws ofIllinois, aState in the United States of America. By using our website, you consent to the agreement as specified above.
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