“Fiduciary” Has Become a Buzzword — Don’t Be Fooled, LFG Daily - October 21, 2025

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Luke Lloyd, CEO Lloyd Financial Group

When people look for a financial advisor, one of the first questions they’re told to ask is, “Are you a fiduciary?”

That’s a good start—but it’s not the finish line.

The term fiduciary simply means the advisor is legally obligated to put your best interests ahead of their own. Sounds great, right? The problem is that “fiduciary” has become a buzzword—a label many advisors use to build trust, but one that doesn’t always tell the whole story.

The Fiduciary Standard Isn’t Foolproof

While fiduciary advisors are required to act in your best interest, the reality is that:

• Some advisors switch hats between being a fiduciary and a broker depending on the product or account type.

• Others may technically be fiduciaries, but their firm’s structure or compensation model still creates conflicts of interest.

• And even honest fiduciaries can lack the depth, experience, or investment discipline needed to truly protect and grow your wealth.

Simply put, the fiduciary standard is the bare minimum of what you should expect—not the benchmark for excellence.

You Deserve More Than “Legally Required”

Think of it this way: would you want a doctor who only does what’s legally required—or one who goes above and beyond to proactively protect your health?Your financial life deserves the same care.

A true fiduciary goes beyond checking compliance boxes. They:

• Integrate investment, tax, and retirement planning—not just sell products.

• Educate and empower clients to make informed decisions.

• Provide transparency in fees, communication, and results.

• Invest alongside their clients, not against them.

• Stay independent, avoiding corporate agendas or quotas that can quietly influence recommendations.

  
  

How to Tell the Difference

Here are a few questions that reveal whether your “fiduciary” is truly on your side:

1. Are you compensated solely by your clients, or do you receive commissions or revenue-sharing?

2. Do you act as a fiduciary 100% of the time, across all accounts?

3. What’s your investment philosophy—and how do you manage risk?

4. Can you show me how tax and estate planning integrate into your recommendations?

5. Do you have skin in the game—do you invest the same way you advise your clients to?

If they hesitate or dance around the answers, that’s your red flag.

The Bottom Line

Being a fiduciary should be the starting point, not the selling point.You want an advisor who doesn’t just follow a rulebook—but lives by a principle: your success is their success.

At Lloyd Financial Group, that’s not just our legal duty—it’s our DNA.We built this firm to give clients independent, fiduciary advice free from Wall Street’s conflicts, corporate agendas, or hidden fees.

Because you don’t just need a fiduciary—you need a partner who helps you dream bigger and sleep better.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

I missed this one yesterday-- the Chinese trade negotiator Bessent complained about was removed from his post.

White House Economic Advisor Hassett said he thinks the government shutdown should end this week.

Takaichi formally became the first female PM in Japan, which seems to be creating yen weakness and thus dollar strength, due to her similarity to Abe in terms of policy.

The 10Y T yield fell back below 4%, yesterday.

After soaring yesterday, gold and silver are plunging over 2% today. It’s been a real roller coaster the last few days, as volatility is on the rise.

After falling double digits on Friday, VIX fell another -12% on Monday. Concern is melting.

Lots of earnings, this week. So far, everything looks pretty constructive.

What does it all mean? The market is consolidating a touch after good gains sent stocks back near highs. Everything still looks constructive, though it will take time to get nervous investors back.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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