Trust & Verification

Transparency, Credentials & Fiduciary Standards

Information about credentials, regulatory records, and the standards that apply when Brett provides investment advisory or brokerage services. Verify registration and background information independently.

Quick Credential Verification

Brett Henderson holds the CPFA® credential and acts in investment advisory and brokerage capacities. Verify credentials and registration records independently:

Check IAPD Records FINRA BrokerCheck

Trust & Transparency Resources

Advisor Credentials & Certifications

Verify Brett Henderson's CPFA credential, fiduciary status, and regulatory registration. Full transparency on qualifications.

CPFA Credential

IAPD and FINRA Records

Professional Memberships

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Fiduciary Standards Explained

A complete explanation of the fiduciary standards that govern financial advisors; legal requirements and what they mean for investors.

Financial Advisor Regulatory Compliance

SEC registration requirements, ERISA fiduciary compliance, DOL rules, and California-specific requirements.

How Fiduciary Advisors Are Regulated

Overview of the regulatory bodies that oversee fiduciary advisors; SEC, state regulators, DOL, and professional organizations.

Financial Advisor Due Diligence Guide

Step-by-step guide to vetting any financial advisor; credentials, regulatory checks, compensation review, and reference verification.

Credential Verification

Background Checks

Fee Analysis

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How Clients Evaluate Financial Advisors

The criteria clients use to evaluate financial advisors; fiduciary status, credentials, fees, communication, and service quality.

Financial Advisor Ethics & Standards

Overview of ethical frameworks governing financial advisors; CFP Board Code of Ethics, NAPA standards, and fiduciary law.

Code of Ethics

Professional Standards

Best Practices

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Independent Verification Resources

We encourage you to verify credentials independently through official regulatory and professional organization databases.

SEC IAPD (Investment Adviser Public Disclosure)

Verify RIA registration status

FINRA BrokerCheck

Registration and background records for Registered Representatives and investment adviser representatives

NAPA (National Association of Plan Advisors)

Verify CPFA credential

CFP Board Verification

Verify CFP® certification

Our Fiduciary Commitment

When Brett Henderson provides investment advisory services as an Investment Adviser Representative, he operates under an elevated standard of care and owes fiduciary duties within the advisory engagement. When he provides brokerage services as a Registered Representative, Regulation Best Interest applies. Key disclosures include:

Advisory compensation is fee-based. Advisory representatives may also be licensed to sell insurance products on a commission basis; any insurance compensation is separate from advisory fees and is disclosed in Form ADV Part 2 and Form CRS

Fees and compensation are described in applicable agreements, Form ADV Part 2, Form CRS, and product documents

Fiduciary duty applies when Brett acts as an Investment Adviser Representative within the advisory engagement

Material conflicts are disclosed as required in Form ADV Part 2, Form CRS, and applicable documents

No 12b-1 / revenue-sharing payments are received in the advisory program for client assets held at the firm's primary custodian; the firm's revenue-sharing arrangements (if any) are disclosed in Form ADV Part 2 and Form CRS

Insurance and brokerage activities are separate capacities subject to their applicable standards, including Regulation Best Interest for retail brokerage recommendations

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Have Questions About Our Credentials?

Need additional information or have questions about our fiduciary standards? We're happy to help.