What is RIA Capital Advisory Group, Inc is an independent Registered Investment Advisor (RIA).As a Firm we fundamentally believe in the Registered Investment Advisor (RIA) model as it aligns the interest of advisors with that of our clients. Unlike some Brokers or broker/dealer firms, we are not paid a commission for securities trades or on the purchase of mutual funds for your account, which means, we have no incentive to generate high turnover in your investment accounts nor do we have an incentive to place you in high cost load mutual funds with sales charges. We do not receive brokerage fees or incentive fees from your custodian or brokerage firm to promote one investment over another.In fact, given our fee structure, the incentive is to work with you to build a long-term, low turnover portfolio comprised of best of breed managed funds, low cost index funds or ETFs, with the possibility of more complex securities to hedge against volatility.Some of our Professionals may be licensed to sell Life, Long Term Care or Disability insurance as well as certain types of fixed annuities and may be paid a commission in connection with the sale of these products. If so, the client will be informed of such and the recommendation will only be made if it is in the best interest of the client.Likewise, as an RIA firm it is legally our fiduciary duty to do what is in the best interest of the client. This means that we have a fundamental obligation to act in the best interest of our clients when providing financial planning and investment advice.We owe our clients a duty of loyalty and good faith and cannot engage in any activity in conflict with the interest of any client. This higher standard aligns us with our clients in pursuing their lifetime financial goals and objectives. Broker/dealers and other non-RIA firms may not have this fiduciary duty and are not necessarily legally bound to put your best interests first.Our Professionals are highly trained and may hold several professional designations or licenses such as CPA, CFP® or CFA®. What do these designations stand for?What is a CPA?CPA – Represents the Certified Public Accountant designation and license to practice Public Accounting and is issued by each individual state Board of Public Accountancy. Candidates must meet the following requirements:Bachelor’s degree in business from an accredited college or universityComplete additional 30 semester credit hours of accounting classes3 years of full-time accounting experienceContinuing education requirement of 120 hours every 3 years What is CFP®?CFP® - The Certified Financial Planner(TM) designation is issued by the Certified Financial Planner Board of Standards, Inc. and Candidates must meet the following requirements:Complete CFP® education program or fulfillment by other specified credentialBachelor’s degree (or higher) from an accredited college or universityPass CFP® certification exam3 years of full-time personal financial planning experienceContinuing education requirement of 30 hours every 2 years What is CFA?CFA® - A professional designation awarded by the CFA Institute (formerly AIMR) that measures the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. Candidates must meet the following requirements:Pass CFA Program exam for Levels I, II, and III4 years of qualified investment work experienceContinuing education requirement of 30 hours every 2 yearsFollow the CFA Institute Code of Ethics and Standards of Professional ConductBe a regular member of CFA Institute and local CFA member society Having professionals with these credentials helps you know you are working with individuals who have obtained a high level of training and expertise in the financial planning and investment field.We Will Take You There...Please Note: Limitations. The achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if CAG is engaged, or continues to be engaged, to provide investment advisory services.