Code Of Ethics

Is Fujiyama Wealth a fiduciary?

We abide with the CFP Board of Ethics Code of Conducts as follows:

 

Fiduciary Standard of Conduct

Consistent with our mission to benefit the public, CFP Board supports a uniform fiduciary standard of conduct for all personalized investment advice. This fiduciary standard of conduct should put the interests of the client first, and should include both a duty of care and a duty of loyalty. Our position is grounded in the real-world experience of more than 87,000 CFP® professionals and the revised Code of Ethics and Standards of Conduct, effective October 1, 2019. The Code and Standards contains a genuine fiduciary standard of conduct that is broadly applicable yet business model-neutral, and includes both a duty of care and a duty of loyalty.

 

Does Fujiyama Wealth charge a fee only or fee and commissions?

Over 90% of our revenue comes from Choose Your Money Story Signature System Planning Fees or Choose Your Money Story Signature Investment Management Fees. 

There are many clients who want us to manage all the financial affairs including insurance such as life, disability, and long-term care insurance. We consider that insurance is a large part of financial plans and without insurance in place, our life becomes more vulnerable to any threats from disability, death, illness, car accident, lawsuit, natural disaster, and the list goes on and on.

We see our competitors who only handle investment management. In our humble experience, our clients are more satisfied when we understand all the financial needs in their lives and when we implement the total plan for them.

We are happy to look at your life holistically and if we identify potential threats in your financial life, we will recommend adequate insurance to protect you. When we place insurance, insurance carriers pay us standard commissions, which vary by carriers and products.

We use one of the biggest insurance brokers and do not have any alliance with any particular insurance company.