Grow Beyond Insurance Without Giving Up Your Independence
Fiduciary CM® provides independent insurance agents with a professional pathway to expand client relationships, introduce broader financial solutions, and potentially develop recurring advisory revenue within a structured compliance environment.
- Remain insurance-focused
- Explore a referral relationship
- Pursue an Investment Adviser Representative role
Expand at the Pace That Is Right for You
You may remain focused on insurance, participate in an approved referral arrangement, or work toward becoming an Investment Adviser Representative.
Remain Insurance-Focused
Continue operating your independent insurance practice while building relationships with advisory professionals who may assist clients with needs outside your insurance role.
- Maintain your independent insurance business
- Continue using your selected carriers and IMOs
- Expand the resources available to your clients
- Coordinate with advisory professionals when appropriate
Strategic Consultant
Qualified insurance professionals may be considered for a compensated referral relationship under the SEC Marketing Rule and applicable state requirements.
- Introduce prospective clients to Fiduciary CM®
- Operate under a written referral agreement
- Provide required compensation disclosures
- Receive compliance training and oversight
Become an IAR
Insurance professionals who are ready to provide advisory services may pursue registration as an Investment Adviser Representative with Fiduciary CM®.
- Provide investment advisory services
- Offer financial and retirement planning
- Develop recurring advisory revenue
- Retain independent insurance production
Serve More of the Client’s Financial Life
Insurance clients frequently have investment, retirement, estate-planning, business-owner, and wealth transfer concerns that extend beyond a single product or policy.
A relationship with Fiduciary CM® can help you identify appropriate resources and develop a more coordinated client experience without giving up the independence that made you successful.
Insurance and Advisory Coordination
Connect insurance planning with broader investment and financial-planning considerations.
Broader Client Solutions
Help clients obtain support for portfolio, retirement, and wealth-planning needs.
Recurring Revenue Potential
Qualified professionals may develop advisory or referral compensation under approved arrangements.
Compliance Support
Receive guidance concerning marketing, communications, disclosures, and supervision.
Institutional Resources
Access technology, custodial relationships, operational support, and advisor resources.
Nationwide Remote Platform
Develop your practice virtually while serving clients in approved jurisdictions.
Consistent Strategies for Sustainable Growth
Growth generally comes from a repeatable process rather than occasional or random activity. Fiduciary CM® provides ongoing ideas and resources designed to help affiliated professionals maintain productive client and prospect conversations.
Prospecting Campaigns
Retirement, Medicare, business-owner, tax-planning, and wealth-transfer discussion themes.
Client Review Frameworks
Structured review conversations designed to identify changing needs and planning opportunities.
Referral Development
Strategies involving client introductions, centers of influence, and professional networking.
Educational Events
Ideas for webinars, workshops, lunch-and-learns, and other educational presentations.
Marketing Resources
Support for compliant emails, social media, seminar invitations, and other communications.
Client Opportunity Reviews
Help recognizing when an existing insurance client may need broader planning or advisory assistance.
Strategic Coaching
Regular discussions focused on practice organization, activity, professional development, and growth.
Professional Collaboration
Coordinate with portfolio managers, planning professionals, and other subject-matter resources.
Select the Role That Matches Your Objectives
Each relationship has different responsibilities, permissions, licensing requirements, and compliance obligations.
| Activity | Insurance Professional | Strategic Consultant | Investment Adviser Representative |
|---|---|---|---|
| Maintain independent insurance business | Yes | Yes | Yes |
| Introduce prospective advisory clients | Informal introduction only | Under approved agreement | Yes |
| Receive referral compensation | No | When approved and disclosed | May receive advisory compensation under the IAR agreement |
| Provide individualized investment advice | No | No | Yes, after registration and approval |
| Manage or service advisory relationships | No | No | Yes, within assigned responsibilities |
| Compliance training and supervision | As applicable | Required | Required |
Independent Professionals Focused on Long-Term Relationships
This opportunity may be appropriate for experienced insurance professionals who want to deepen client relationships and expand their capabilities within a professional fiduciary platform.
- Independent life insurance agents
- Annuity professionals
- Long-term care specialists
- Medicare and benefits professionals
- Retirement-income specialists
- Business-owner planning professionals
- Agents interested in obtaining the Series 65
- Experienced professionals with strong ethics
Build Your Business Without Building It Alone
Schedule a confidential conversation with Paul McIntyre or email your resume or CV to explore which professional pathway may be appropriate for you.
Fiduciary Capital Management LLC, doing business as Fiduciary CM®, is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a particular level of skill or training. Insurance products and services are offered through independent insurance agencies and insurance professionals that are not affiliated with Fiduciary Capital Management LLC. Insurance activities are separate from investment advisory services. Strategic Consultant and referral arrangements are subject to regulatory eligibility, applicable state requirements, a written agreement, required disclosures, compliance training, and formal approval by Fiduciary Capital Management LLC. Strategic Consultants may not provide investment advice unless separately registered and authorized to do so. Investment Adviser Representative affiliation, compensation, licensing, and registration are subject to the applicable written agreement, firm policies, regulatory review, background review, and approval. Nothing on this page constitutes an offer of employment, a guarantee of compensation, or a guarantee of business results. Principals only. Recruiters and employment agencies should not contact the firm regarding this opportunity.