Why Pivotal Financial Services
Independent Fee-Based Employee Benefit & Financial Planning Firm
Truly independent planning and consulting, offers clients access to the finest unbiased advice, products and services. Because of our advisory role, we have a fiduciary responsibility to our clients and our only goal is satisfying the clients’ needs and best interests. Pivotal Financial Services is not subject to any sales quotas, not subject to sell proprietary products and most important, not subject to upper management red tape. We are a small independent minded boutique firm with the ability to make the pivotal choices needed to provide our clients with superior personalized, professional service that maintains our advantage over the larger impersonal, one size fits all firms.
Our Philosophy & Mission
Our corporate philosophy is based strictly on core values. To maintain longevity in this ever changing world, we must adhere to our core values at all times. Integrity, professionalism, empathy & concern, accessibility, responsiveness, competency and a very diligent work ethic & oversight are Pivotal Financial Services’ guiding principles. Our mission is to develop an ongoing inter-generational relationship with our clients to make sound, objective financial and investment decisions to secure their financial dreams, goals and security.
Competence & Comprehensive Continuing Education
Founding principal and current CEO, Clarke D. Hedrick, CFP® holds the CFP®/CERTIFIED FINANCIAL PLANNER™, professional certification. This means he has met the rigorous certification requirements, including initial and continuing comprehensive education, an examination and work experience. He also has agreed to adhere to a strict code of ethics and practice standards. Only professionals authorized by the Certified Financial Planning Board, based in Washington DC, can use CFP® and CERTIFIED FINANCIAL PLANNER™ trademarks. Clarke D Hedrick, CFP® has over 24 years of experience in the financial service industry and has developed a team of professionals all with the highest moral degree of integrity, with only the clients’ best interest at hand.
A combination of fees and commissions - being a fee-based financial service firm, allows the most objective method of delivering independent financial advice to our clients. Our ONLY concern is the client’s best interest. Our compensation structure is fully disclosed and understood prior to any engagement, free from any conflicts of interests. All written financial plans, investment advice and consulting work are provided fee only, but there are certain times because of the trust we develop with our clients when they want us to handle a commissionable financial product or portfolio, such as their insurance policies. Complete transparency is a pivotal criteria in our fee based business model.
All advisors must create and develop a “Code of Ethics” to be in compliance with the SEC and FINRA, our governing body. We at Pivotal Financial Services do not need a written “Code of Ethics” to tell us how to behave with our clients. Integrity, honesty, fairness, competence, confidentially, and due diligence has always been and will always be the very fabric this firm was built on. Everyone associated with this firm must adhere and live by the Code of Ethics or they will not be a part of this team, NO EXCEPTIONS! As a result of our reputation, we have maintained unprecedented client retention and satisfaction. One of the greatest complements of our clients’ satisfaction is that they continually refer our services to their family, friends and business associates!