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Monday, November 24, 2014

Celebrating Independence

In the financial services industry, independence is a relative term. How do you know if your advisor offers independent advice? When we began discussing starting a financial firm, one of the most important criteria is that we would offer independent, objective advice. Before Argus Financial Consultants even had a name, our decision making was driven by the concept that we would be employed by our clients and that our success would be measured by the success of our clients. Here are some indicators of our independence:

· We have a self-directed practice. All decisions about our business practices are made locally by the Partners and employees of Argus Financial Consultants.

· We are not subject to outside sales goals or quotas.

· We have full autonomy to make recommendations based on client need and suitability.

· Our broker/dealer, LPL Financial, offers no proprietary investment products. Additionally, LPL Financial makes available thousands of investment options through agreements with the nation’s leading providers of investment products.

Now, as Argus Financial Consultants approaches its eighth anniversary, we continue to believe that our independence is critical to providing the highest quality service to our clients. We have no doubt that what we may forgo in additional revenue and incentives; we more than make up through stronger, trusted client relationships and referrals.

Monday, November 3, 2014

Public Wi-Fi - When to Use and Not to Use?

Many times I've found myself sitting in a coffee shop wondering if the public Wi-Fi is safe. I typically go back and forth in my head and then decide to just use my phone as a mobile, password protected hotspot even for innocent personal web browsing. It’s articles like this, from well-respected technology expert Kim Komando, that continue to reaffirm my decision. According to her, using public Wi-Fi networks can be safe, but it doesn't seem to be worth the risks if other options are available. Hackers can find many ways to access your personal data. If you are accessing personal data or sending emails, “free Wi-Fi” doesn't seem worth the cost.