Our Client Bill of Rights

Quality of Service   You have the right to receive consistent excellent service in a manner that encourages you to recommend me to others, knowing that I will treat your referrals with the same high level of proactive, courteous service.

Experienced Advisor   You have the right to work with an experienced, dependable, advisor who truly cares for your well-being, listens to your concerns, and understands your values and goals. Your best interests will always come first.

Unlimited Questions  You have the right to unlimited phone calls, emails, texts or any other form of communication you choose if you have questions. We work for you-so reach out if you have a need

Recommendations Based on Your Needs  You have the right to independent, appropriate advice and recommendations based on your defined values, needs, and objectives, as well as other considerations including individual risk tolerance and liquid net worth.

Confidentiality and Safety  You have the right to the strictest levels of confidentiality and safety with the personal information provided to us. We will protect your information to the highest standards outlined by Proverbi Capital Advisors and FINRA.

Consistent and Timely Reviews  You have the right to meet with us face to face on designated intervals to review your accounts and ask any questions you may have. You have the right to a pre-set agenda at these meetings, and the right to a letter from me reviewing each of our responsibilities from the meeting. You have a right to a phone call within 48 hours of our meeting where we confirm that we have done all the things we agreed to do at that meeting, or if a longer term responsibility, a status update.

Transparency  You have the right to a transparent relationship and to clearly know the costs for portfolio management, transactions, and advisory services. If you have a question, it is our duty to respond in an understandable way.

Prompt Response  You have a right to a prompt response from your advisor. We will be available to answer the questions that matter to you as they arise, and commit to returning all calls by the end of the next business day. Should your request require additional research, we will set a clearly defined time-frame to meet your expectations.

Timely Communication  You have a right to receive communications from us in a timely manner. We will prepare reports that clearly identify all account positions, and present comprehensive portfolio reviews annually, or as often as necessary. Our goal is to provide you with timely information before the question arises. 

Professional Competence  You have the right to sound financial advice from a competent professional. We are committed to professional continuing education and select national conferences to stay abreast of new opportunities, regulatory changes, and industry best-practices with respect to wealth management, estate planning, and values-based strategies. 

Integrity
Trust is earned through consistency and character. Integrity guides every relationship we build and every recommendation we make. Our commitment is simple—always act with honesty, transparency, and unwavering dedication to doing what is right for our clients.

Client First
Every decision begins with one principle: our clients come first. We take the time to deeply understand your goals, priorities, and concerns so we can deliver advice that is thoughtful, objective, and aligned with your long-term vision.

Excellence
Exceptional outcomes require discipline and precision. Through rigorous research, strategic thinking, and relentless attention to detail, we pursue the highest standards in investment oversight and client service.

Stewardship
We view wealth as something entrusted, not simply accumulated. Our role is to help you protect, grow, and thoughtfully deploy your financial resources so they serve your family, your ambitions, and the legacy you wish to create.

      A true financial advisor should hold the appropriate professional licenses required to provide investment advice. An insurance license alone is not sufficient to offer comprehensive financial guidance. Most qualified advisors hold one or more securities licenses issued through the Financial Industry Regulatory Authority (FINRA). Common licenses include the Series 6, Series 7, Series 63, Series 65, or Series 66. For example, an advisor who only holds a Series 6 license is generally limited to offering specific investment products such as mutual funds and annuities. While these investments can be appropriate in certain situations, a broader licensing structure allows an advisor to access a wider range of strategies and investment solutions designed to meet diverse client needs. Additionally, if an advisor manages assets and charges an advisory fee for ongoing investment management, they must typically hold the Series 65 license, or the Series 66 combined with the Series 63, depending on the regulatory structure under which they operate. At Proverbi Capital Advisors, Andrea holds the Series 65 licenses and operates as a Registered Investment Advisor (RIA). This structure allows us to provide investment advice and portfolio management under a transparent advisory fee model rather than relying solely on commissions tied to financial products. 

Transparency and Advisor Background Checks All licenses for securities professionals are issued through FINRA, and investors have access to a powerful and free tool known as FINRA BrokerCheck. This public database allows you to review important information about any licensed advisor. BrokerCheck provides detailed information including: 

• Employment history
• Licenses currently held
• Professional registrations
• Disclosures, complaints, or regulatory actions (if any)

Reviewing an advisor’s background is an important step in the due diligence process and helps investors make informed decisions about who they trust with their financial future. 

Fiduciary Standard vs. Suitability Standard Another important factor when selecting an advisor is understanding the standard of care they are held to when making investment recommendations. Under the suitability standard, an advisor must recommend investments that are considered suitable based on a client's financial situation and objectives. However, multiple investments may meet the suitability threshold, and compensation structures could influence which product is recommended. Under the fiduciary standard, an advisor is legally required to act in the best interests of the client at all times. This standard places the client's interests ahead of the advisor’s compensation or other considerations. As a Registered Investment Advisor, Proverbi Capital Advisors operates under the fiduciary standard, meaning we are both ethically and legally obligated to prioritize the best interests of our clients when making recommendations. 

Ask Questions — and Expect Clear Answers Selecting a financial advisor is one of the most important decisions you will make regarding your financial future. You should feel comfortable asking detailed questions and receiving clear, transparent answers. Consider asking: 

• Do you have a Client Bill of Rights?
• How are you compensated for the advice you provide?
• Are the fees for managing my account clearly disclosed?
• What licenses and regulatory registrations do you hold?
• Are the firm and the client a good match?

There is no such thing as an unimportant question when it comes to your financial well-being. A trustworthy advisor should welcome thoughtful questions and provide clear, honest answers so that you can make decisions with confidence.