Operating Principles and Philosophy

 

I believe and adhere to the following mission, core values and fiduciary oath:

Mission

To work in my client’s best interest by providing financial services based upon the following core values, thereby improving the quality of my clients’ lives.

Core Values

    • Competency: Act according to the highest standards of proficiency in the industry.
    • Comprehensive: Practice a holistic approach to financial planning.
    • Compensation: Use a Fee-Only model that facilitates objective advice. 
    • Client-centered: Commit to a fiduciary relationship that ensures the client’s interest is always first.
    • Full Disclosure: Provide an explanation of fees and potential conflicts of interest.


Code of Ethics

Recognizing my fiduciary responsibility to my clients, I uphold the highest standards of care in the industry by espousing and practicing:

  • Objectivity 
  • Full Disclosure
  • Integrity and Honesty
  • Competence
  • Confidentiality
  • Fairness and Suitability
  • Professionalism, and
  • Regulatory Compliance.


Fiduciary Oath

I shall exercise my best efforts to act in good faith and in the best interests of my clients. I shall provide written disclosure to a client prior to the engagement, and thereafter throughout the term of the engagement, of any conflicts of interest which will, or reasonably may, compromise my impartiality or independence.

I do not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product. I do not receive a fee or other compensation from another party based on the referral of a client or the client’s business.

ADV Part II


Ryan Darwish, MBA, CFP, CLU, ChFC
A NAPFA Fee-Only Registered Investment Advisor