Flexible Ways to Affiliate

Are you a solo advisor or a large ensemble? Coming from an employee-based model or the independent channel? No matter the answer, you can pick the affiliation option that best aligns with how you run your business and serve your clients.

We offer the following four models:

Dual Registration (RR/IAR)

Operate as an RR under Commonwealth's broker/dealer and an IAR under our RIA in this fees and commissions model.

Hybrid

Operate as an RR under Commonwealth's broker/dealer and establish your own RIA in this fees and commissions model.

Corporate RIA (IAR-Only)

Operate as an IAR under Commonwealth's RIA in this fee-only model.

RIA-Only

Operate as your own RIA in this fee-only model.

But what if the way you run your firm today isn't the way you want to run your firm tomorrow? With our unique glide path approach, you can get guidance and support for seamlessly transitioning to another affiliation model as your business's—and your clients'—needs change.

From A to Fee: Easing the Path to a Fee-Only Business

Many advisors have set their sights on running a fee-only practice or launching their own RIA. If that's your goal today or sometime down the road, we can ease the way.

Our RIA Services team provides dedicated support to advisors looking to enter, or be fully established under, our corporate RIA or their own independent RIA affiliation model. We'll be here to ensure that you understand the process, including:

  1. Whether now is the right time to go fee-only

  2. Which affiliation model is best for you, your clients, and your business 

  3. What the next steps and time frame look like 

  4. How much of your business consists of FINRA commissions and trails and how to compensate for any lost revenue 

Here's what that glide path looks like depending on the affiliation model you choose:

Initial Consultation

You'll work with one of our RIA transition consultants to:

  • Review your affiliation options

  • Discuss the feasibility of converting to fee-only

  • Align on pricing and compensation

  • Confirm your decision and begin the glide path

Planning Call

You and your dedicated glide path consultant will:

  • Review your current book of business

  • Identify non-advisory accounts to convert to fee-only

  • Determine how to retain visibility on non-advisory accounts

  • Create a timeline for conversion

Execution of Your Plan

Beginning the process of converting to IAR-Only, you will:

  • Prepare paperwork for accounts converting to an advisory relationship

  • Prepare forms needed to retain visibility on non-advisory accounts

  • Craft fiduciary message for marketing materials with the help of the Business Consulting team

  • Prepare disclosures and content updates for stationary, marketing materials, social media, and your website

  • Review account breakdown with your glide path consultant

Affiliation Change Day

Once you are prepared to go IAR-Only, you will:

  • Have non-advisory accounts converted to house accounts

  • Begin using IAR-Only marketing materials

  • Update your website and social media platforms with new disclosure

Your IAR-Only Future

You can count on RIA Services to:

  • Provide regulatory guidance and best practices for your new business model

  • Assist with any operational matters that may arise

  • Discuss industry trends and topics from a fee-only perspective

Rely on Continued Support to Help You Succeed

With the backing of a firm that delivers what fee-only advisors need, you’ll be properly positioned to build a successful legacy while staying true to what’s best for the clients you serve. As your business evolves, you’ll continue to have access to the infrastructure and support our advisors rely on every day. And, as a fee-only advisor, you’ll be paired with an advisory operations consultant, who will serve as your lifeline to anything you need, including: 

  • Compliance support and consulting, depending on how you affiliate 

  • Marketing tools and support to help promote yourself as a fiduciary 

  • Business consulting to help you pivot to running a fee-only practice 

  • Operations support for help with administrative issues specific to your fee-only business

Find Your Path and Build a Successful Business

The road to a thriving business begins here. Wherever you are today, and wherever you want to go tomorrow, we’ll be right with you to help you get there.

Our strategic branding services, turnkey solutions, and personalized guidance can help your firm shine.