A fiduciary financial advisor is an advisor who is bound by fiduciary duty to act in your best interest. While it may seem that all financial advisors would be fiduciaries, they are not. John C. Bogle, Founder of Vanguard Group, explains it like this, “It should be made clear to clients whether they are relying on (1) trained investment professionals, paid solely through fully disclosed fees to oversee their investments; or (2) sales representatives who sell the products and services of the companies that they represent. Simply put, the first group is representing its clients; the second group is representing its employers.” Ask your financial advisor if they are a fiduciary, at all times, on your behalf. At Skyline Advisors we are an independent Registered Investment Advisory firm, and we are bound by fiduciary duty to our clients.