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	<title>Investor Watchdog - Finance Education &#187; Sales Representatives</title>
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	<link>http://www.investorwatchdog.com</link>
	<description>Timely financial educational resource information is your best defense against investment schemes &#38; scams</description>
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		<title>Do I Have a &quot;Real&quot; Financial Advisor?</title>
		<link>http://www.investorwatchdog.com/do-i-have-a-real-financial-advisor</link>
		<comments>http://www.investorwatchdog.com/do-i-have-a-real-financial-advisor#comments</comments>
		<pubDate>Mon, 14 Nov 2011 00:39:29 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Deceptive Sales Practices]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[Who Can I Trust?]]></category>
		<category><![CDATA[Advisor Compensation]]></category>
		<category><![CDATA[Documentation]]></category>
		<category><![CDATA[ethics]]></category>
		<category><![CDATA[fiduciary standards]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[Financial Consultant]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[Investment Advisor Representative]]></category>
		<category><![CDATA[Misrepresentation]]></category>
		<category><![CDATA[Money Manager]]></category>
		<category><![CDATA[Registered Investment Advisor]]></category>
		<category><![CDATA[Series 6 LIcense]]></category>
		<category><![CDATA[Series 7 LIcense]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/do-i-have-a-real-financial-advisor</guid>
		<description><![CDATA[A Watchdog visitor questioned whether the person providing him with financial advice was a real advisor. He thought the person was an advisor, however a business associate told him the person was really a sales rep. 
He should be concerned. If the person misrepresented his role, then his financial advice may also be tainted. 
Very [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>&quot;Real&quot; Financial Advisor or Sales Representative?</title>
		<link>http://www.investorwatchdog.com/real-financial-advisor-or-sales-representative</link>
		<comments>http://www.investorwatchdog.com/real-financial-advisor-or-sales-representative#comments</comments>
		<pubDate>Wed, 26 Oct 2011 16:51:01 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[How to Select Advisors]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Fee for Service]]></category>
		<category><![CDATA[Fiduciary]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[IAR]]></category>
		<category><![CDATA[Licensing]]></category>
		<category><![CDATA[Registrations]]></category>
		<category><![CDATA[RIA]]></category>
		<category><![CDATA[sales representative]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/real-financial-advisor-or-sales-representative</guid>
		<description><![CDATA[Several investors have asked me for easy ways to determine if the professionals advising them on their investments are &#8220;real&#8221; financial advisors or sales representatives masquerading as advisors.
These investors have a valid concern. Sales representatives frequently market themselves as advisors because they know investors do not want salesmen investing their assets. If they told the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BofA Merrill Adding 2,000 Brokers</title>
		<link>http://www.investorwatchdog.com/bofa-merrill-adding-2000-brokers</link>
		<comments>http://www.investorwatchdog.com/bofa-merrill-adding-2000-brokers#comments</comments>
		<pubDate>Thu, 04 Feb 2010 01:02:20 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Deceptive Sales Practices]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[BofA]]></category>
		<category><![CDATA[Brand Name Marketing]]></category>
		<category><![CDATA[Leverage Relationships]]></category>
		<category><![CDATA[Mass-Affluent Investors]]></category>
		<category><![CDATA[Merrill Lynch]]></category>
		<category><![CDATA[New Stockbrokers]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/bofa-merrill-adding-2000-brokers</guid>
		<description><![CDATA[The Financial Times reported BofA Merrill Lynch plans to hire 2,000 brokers over the next 12 months. They will hire inexperienced brokers rather than pay big upfront fees for established professionals. These brokers will market investment products to BofA&#8217;s 17 million mass-affluent customers who need wealth management services.
Alois Pirker, research director at Alte Group LLC [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>You should be aware of the difference between a Registered Representative and a Registered Investment Advisor</title>
		<link>http://www.investorwatchdog.com/you-should-be-aware-of-the-difference-between-a-registered-representative-and-a-registered-investment-advisor</link>
		<comments>http://www.investorwatchdog.com/you-should-be-aware-of-the-difference-between-a-registered-representative-and-a-registered-investment-advisor#comments</comments>
		<pubDate>Sun, 20 Dec 2009 17:56:18 +0000</pubDate>
		<dc:creator>Daniel Chen</dc:creator>
				<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[Know the type of Advisor you are working with!!!]]></category>
		<category><![CDATA[paladin registry]]></category>
		<category><![CDATA[Registered Investment Advisors]]></category>
		<category><![CDATA[registered representatives]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=3159</guid>
		<description><![CDATA[&#8220;About.com&#8221; is a website that advocates for consumers through education to assist them in solving all types of problems. The article that is referenced by the link below does a great job in clarifying the difference in two types of Investment Advisors. It also references &#8221; Paladin Registry&#8221; as a good resource. Enjoy.
http://moneyover55.about.com/od/findingqualifiedadvisors/a/costofbadadvice.htm
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Your Investment Relationship gets too Personal</title>
		<link>http://www.investorwatchdog.com/when-your-investment-relationship-gets-too-personal</link>
		<comments>http://www.investorwatchdog.com/when-your-investment-relationship-gets-too-personal#comments</comments>
		<pubDate>Wed, 04 Nov 2009 18:04:57 +0000</pubDate>
		<dc:creator>Matthew Arndt, CFA, CPA, CFP</dc:creator>
				<category><![CDATA[How to Select Advisors]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[financial advisers]]></category>
		<category><![CDATA[investing money]]></category>
		<category><![CDATA[sales people]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=2815</guid>
		<description><![CDATA[Do you currently invest your money with a close friend or a neighbor? Has this person butchered your portfolio through the ups and downs of the market, but you&#8217;re afraid to say anything because of the close relationship you have? Is this personal connection blinding you to reality and interfering with the achievement of your [...]]]></description>
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		<slash:comments>6</slash:comments>
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