SEC-registered RIA 3

https://ace-wiki.win/index.php/How_to_Choose_Between_Financial_Advisor_Fee_Models

A SEC-registered RIA, or Registered Investment Advisor, is a firm that has formally registered with the Securities and Exchange Commission to provide personalized investment advice. Unlike brokers who simply execute trades, RIAs have a fiduciary duty to put your interests first, which means they must disclose any conflicts of interest. They manage client portfolios, offer financial planning, and are subject to regular audits, making them a regulated choice for serious investors.