Optimax provides quality HD video systems and modern IP phone systems。

Optimax systems have been installed in homes, banks, retail stores, hospitals, and restaurants. We minimize our operation costs and pass the savings to you. We guarantee the lowest price on all our services, please call for free estimate.

Please feel free to contact us. Monday - Friday: 7am - 5 pm Pacific Standard Time.

Optimax Enterprise Inc.

9436 La Rosa Dr. Temple City, CA 91780

Tel: 626-297-1344; 626-380-2328

telecom@optimax123.com

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理财服务 (3)

Working with Financial Advisors

Abstract: Although many investors feel they can invest on their own, millions find that the services of investment professionals make all the difference in how successful they are. Financial advisors and planners help you assess your goals and your resources, map out a plan that gets you the most bang for your buck, and give you the kind of research you need to make solid decisions. In this lesson plan, learn the types of financial advisors to choose from, what they do, and what questions you should ask to get the best help.

Saturday, 16 December 2017 01:45

新時代的理財顧問

Written by Optimax

将要设立或已经有退休账户IRAs或401K的人要注意了。

為保護退休計劃投資人，美國勞工部訂立了“退休金賬戶管理法 - 信託原則”（DOL Fiduciary Rule）。防止証券经纪為賺佣金而誤導投資人買差勁產品。

該法要求：如理财专员因建議你用退休账户来买某金融产品以赚取供应商的佣金時，交易前他须得到你簽名的BICE同意書(Best Interest Contract Exemption)，其中须清楚陳述兩項事：(a)建議此一產品的理由; (b)他從此筆交易中从供应商賺得多少钱, 否则就屬違法。因为此时他的身份是供应商的经纪(agent)立场是偏向供应商，而不是你。

受影響的“退休金賬戶”指的是：有從國稅局獲得递沿纳稅（tax-deferred）好處的賬戶。如：401K，403b，SEP，簡單IRA，羅斯IRA，IRA，固定型福利計劃（defined-benefit plan)。

如果你想找立场不会偏向供应商的理财专员，你就应找投資顧問（RIA, registered investment adviser)。投資顧問向你收取諮詢費（固用定費率或固定金額），除此ＲＩＡ不得從供應商賺取佣金或任何形式的酬勞。

证券经纪(agent)与投资顾问(RIA)的资格牌照不同。如果你想用投资顾问（RIA, Registered Investment Advisor）的服务，你需找有证券证照S－65 的顾问签约。证券经纪(agent)的证照是S--6.

RIA 與agent 的收费方式不同。前者是买方的代表，買方自己付钱买服务。後者是賣家的代理，其服務費由卖方付。

*如有人声称“免費管理”帮你推荐或管理投資退休金賬戶，极有可能他就是待表卖家的经纪。