by Richard Bavetz, ChFC®, CLU®, FRC℠ | June 01, 2026 Why Fiduciary—and Why They Matter More Than Ever In America's vast and often opaque financial system, fiduciaries stand as both the first and last line of defense for millions of retirement savers. The fiduciary duty is the legal and moral obligation to act solely in the best interests of clients and plan participants, guided by the highest standard of care in finance. Unlike brokerage firms, wirehouses, or fund product sal

by Richard Bavetz, FRC℠ | October 1, 2024 Investors today are inundated with a myriad of options when it comes to portfolio management....

by Richard Bavetz, FRC℠ | October 8, 2024 With so many using the term 'fiduciary,' it's natural for consumers to feel confused. An...

"The essence of being a fiduciary is rooted in the ethical responsibility to prioritize the client's needs above all else," says Rick Bavetz

As Judge O'Connor cites, “Generally there is ‘no public interest in the perpetuation of unlawful agency action,’”

Plan sponsors are obligated to put the interests of their plan participants ahead of their own. It is their fiduciary duty...

Let’s face it. Does anyone believe taxes are going down? Taking it one step further… does anyone want to make less money next year?

From Forbes “As a result, savers should feel more confident and secure in the advice they receive." says Rick Bavetz of Carington Financial

From Forbes: "Former plan participants should be seeking greater investment options & lower cost..." says Bavetz

Forbes Magazine: “No one knows how much they’re going to need, and most are guessing..." says Investment Advisor Rick Bavetz.

From Forbes: “Investors are dying to have a new experience,” says Rick Bavetz, Investment Advisor at Carington Financial.

“Financial Professionals need to put their money where their mouth is,” says advisor Richard Bavetz, a Federal Retirement Consultant℠.