What Is a RIA? (Learn More - Chinese Version)

All RIAs (Registered Investment Advisors) are regulated under the Investment Advisers Act of 1940,
which holds them to a fiduciary standard requiring them to place the interests of the client above
their own and to disclose any potential conflicts of interest.  Broker-dealers are generally regulated
under separate legislation known as the Securities and Exchange Act of 1934 which allows them
to place the interest of their employer above the interest of their clients, and only requires them to
provide advice that is ―suitable for their clients instead of optimal.  .  
How This Affects You?

With so many alternatives, you’ve probably asked yourself, “Who is the best investment professional
for me?  How do I know if he or she is with a financially sound organization?  Can the
representative offer numerous investment products and services or just a few?  Do I pay fees or
commissions for services rendered? Does the compensation structure affect the impartiality of the
advice given?” These questions, in addition to the myriad of available investment alternatives,
can make the process of investing bewildering and frustrating

That is why the U. S. Securities and Exchange Commission (the "SEC") requires RIAs to prepare
annually and to provide a client or potential client a "plain-English" brochure, presented in a
consistent, uniform manner that will make it easier for clients to compare different investment
advisers' disclosures.  The brochure also explains to a client or potential client an investment
adviser's qualifications, investment strategies, and business practices (see DISCLOSURE below).
Why Choose PACRIM Advisory Services?

At PACRIM Advisory Services, our comprehensive solutions exemplify our promise of stewardship
including:
  • Understanding the details of your total financial situation, including both short- and long-
    term goals, to achieve results for today and in the future
  • Creating and managing a diversified, appropriate investment portfolio from the broadest
    set of product choices, unbiased by the source or structure of the investment product
  • Collaborating with other trusted advisors on decisions that affect your overall wealth
    management plan, including estate plans and trusts, insurance, real estate, legacy and
    charitable giving, limited partnerships, and more
  • Providing periodic and consistent monitoring and review of progress towards achieving
    your goals
  • Communicating with you on both a scheduled and as needed basis to review progress
    and synchronize your plan with new information
  • Note:  Some services, such as Estate Planning, Insurance Reviews, among others, are
    provided in collaborations with the firm's resource partners. These partners are highly
    specialized in their area of financial and wealth management.
IMPORTANT DISCLOSURE: This website and information are provided for guidance and information purposes only. This website and information are not
intended to provide investment, insurance, tax, or legal advice. To better clarify potential conflicts of interest that may exist between the Firm, the Investment
Advisor, and you, Form ADV, Part 2, commonly referred to as the "brochure," explains to a client or potential client an investment adviser's qualifications,
investment strategies, and business practices. Under the amendments adopted on July 21, 2010 by the U. S. Securities and Exchange Commission (the "SEC")
investment advisers are required to prepare a narrative, "plain-English," brochure, presented in a consistent, uniform manner that will make it easier for clients to
compare different investment advisers' disclosures. RIAs are required to fill out a form ADV at least annually, and are required to update their ADV information
whenever they experience a substantive change in their firm. This form is available on the website for download (Services).
PACRIM ADVISORY SERVICES
Independent Advisers On Strategies For Building, Preserving, and Managing Wealth
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