Client Bill of Rights

The Client Bill of Rights was designed by Kucera Financial, LLC to set a high standard for financial planning, and to build the trust in us that you deserve. In the event that you do not choose to use our services, we encourage you to print and take this Bill of Rights to anyone who assists you with your financial life and demand this level of service.

1. Disclosure of Fees
You have the right have all fees, including but not limited to, set-up fees, maintenance fees, account management fees, hourly fees and any other direct or indirect fees clearly explained to you before you enter into any type of agreement with a financial advisor, and for these fee disclosures to continue for the duration of your financial advising relationship.

2. Fiduciary Responsibility
You have the right to have your financial advisor act as your fiduciary. By acting as a fiduciary, the advisor should always put your interests above their own interests.

3. Education
You have the right to have your financial advisor educate you on the topics related to your finances, such as the risks of a down market on your portfolio.

4. Personalized Treatment
You have the right to have your financial advisor treat your financial plan as a unique plan for your specific situation, and not use a one-size-fits-all approach.

5. Clear Communication
You have the right to have your financial advisor explain all items related to your financial situation in language that is clear to you. You should never feel confused, intimidated, or unsupported by your advisor.

6. Time Respected
You have the right to have your financial advisor respect your time and your schedule, and be willing to make reasonable accommodations to ensure that your needs are met.

7. Disclosure of Financial Positions
You have the right to have your advisor disclose to you which securities they have a position in so that you can see how they choose how to invest their own money, and be aware of any conflicts of interest.

8. Personal Data Security
You have the right to have your personal data stored securely and not shared with parties outside of those legally required to have access to your personal data.

9. Disciplined Decision-Making
You have the right to reasoned, pragmatic decision-making by your advisor. Your advisor should always keep your long-term plan in mind, and not make rash decisions in the face of short-term market turbulence.