Questions to Ask

Margaret L. Holcomb
Summit Peak Financial Partners, LLC

Bring this sheet to your meeting. The questions below are drawn from public filings. Listen for whether the answers are accurate, clear, and complete. For some questions we provide an ‘Answer,’ so you can confirm their response matches.

About the individual you'll be speaking with

Are you a registered investment adviser representative?

Answer: Yes

matchesdoesn't

Can you, and will you, always act in a fiduciary capacity — putting my interests ahead of yours in everything you recommend?

Answer: Not always

matchesdoesn't

Are you also a registered representative of a broker-dealer?

Answer: Yes

matchesdoesn't

If yes →

How will I know which capacity you're acting in at any moment, and how does that change what I pay?

Do you hold an insurance license?

YesNo

If yes →

When you recommend an insurance product, is that recommendation influenced by a commission you'd earn?

About their firm

Is your firm a Registered Investment Adviser, a broker-dealer, or both?

Answer: RIA: Yes · BD: No

matchesdoesn't

Is your firm affiliated with a broker-dealer?

Answer: Yes

matchesdoesn't

Is your firm affiliated with an insurance company?

Answer: No

matchesdoesn't

Will you be paid only by fees I pay you directly — no commissions or payments from anyone else?

Answer: No

matchesdoesn't

Will my money be held by an independent, third-party custodian?

Answer: Yes

matchesdoesn't

Does your firm offer a wrap-fee program?

Answer: No

matchesdoesn't

If yes →

Is that something you'd typically recommend to someone in my situation, and why?

Do you, or the firm, have any disclosure events on the public record?

Answer: Yes

matchesdoesn't

Notes

This checklist reflects structural disclosures given in public regulatory filings. It is an aid for a conversation, not investment, legal, or tax advice. It is not a judgment of the quality of any firm or adviser.

An informed investor asks better questions — and gets better answers adviserreport.com

SAMPLE REPORT
Representative content. The firm and adviser shown are fabricated; only the structure and methodology are real.