When people begin searching for a financial advisor, they often assume all firms operate the same way. In reality, the Registered Investment Advisor (RIA) landscape tends to fall into three distinct “camps.” Each brings value, but each also has limitations that can impact the quality of advice clients ultimately receive. Understanding these differences can help you make a more informed decision about who you trust with your financial future. Camp #1: The Investment Management

Retirement is supposed to be the time you stop worrying about income, but for many higher earners, Medicare throws a curveball: IRMAA.