DTRT Advisors and Insurance Services, LLCs has one goal and one goal only. To DTRT, Do The Right Thing for each of our clients every single day…through unbiased investment, financial, retirement and insurance planning.
How We DTRT…
DTRT Advisors, LLC is a fee only Registered Investment Advisor. We financially plan at an hourly rate or manage investable assets, whether personal or retirement plan assets, for a small percentage fee. All of our advisors are highly experienced and are CERTIFIED FINANCIAL PLANNERS, ™ practitioners. We do not compensate our advisors by commissions, or create sales pay grids based on the more you sell the more you make mentality. We have eliminated the big broker dealers and big insurance companies that we once worked for. These companies sales grids kept on average 50% of our revenue we generated. We are simply highly experienced financial advisors providing advice on a fiduciary basis, saving our clients money on fees and expenses, and our advisor compensation is based on our family taking care of your family. Welcome to our Sanctuary to provide financial advice… Welcome to DTRT Advisors, LLC.
DTRT Insurance Services, LLC is a licensed insurance agency supporting the operations of DTRT Advisors. We offer life, health, disability, and long-term-care insurance to individuals and groups. We seek insurance solutions from only highly rated insurance companies and the lowest cost. We feel insurance in the simpleist form is a commodity. Meaning, if the insurance company rating, product, benefits, provisions, and exclusions are all the same… then price is the determining factor. The best company at the lowest price wins…the client does not win with a single company insurance agent. The insurance agent has a fiduciary to his employer company not his or her client. At DTRT Insurance Services, LLC we seek out multiple company product solutions as your broker…the broker has a fiduciary to act in your best interest…plus remember our CERTIFIED FINANCIAL PLANNERS, ™ practitioners automatically advise to a fiduciary standard acting in your best interest always. Welcome to our Sanctuary to provide insurance products and services. Welcome to DTRT Insurance Services, LLC.
A client can be an individual, family, business or not-for -profit institution.
DTRT Advisors and Insurance Services, LLCs Member Principle:
Ronald H Kutz, CFP® - Founder and Member President
Ron brings almost 10 years of experience advising clients through financial decisions through financial planning. His core competencies are retirement plans, financial planning, wealth management and insurance/employee benefits. He completed his BA in Finance from the University of South Florida (2004) and an Executive Financial Planning Certificate at the University of Georgia (2010). He completed his CERTIFIED FINANCIAL PLANNER™ CERTIFICATION in 2011 and holds a FINRA series license 7 and 66. He also has a Florida Life, Health, and Variable Annuity license.
Mission Statement
DTRT Advisors and Insurance Services, LLCs provides trusted advice for individuals, families and not-for-profit entities, working hand-in-hand to achieve their life goals through financial planning. We provide unbiased, non-incented financial advice and products based on the needs, objectives, and financial attitudes of our clients. By remaining unaffiliated with a broker dealer or insurance company, we are able to offer lower fees, transaction costs and investment expenses. We have built our company on the ideal of putting the client first in every decision we make. Our clients celebrate our sanctuary of independence daily.
Principles Of Practice
The most important consideration in selecting a financial services firm is a firm’s principles. Compatible principles are essential for satisfying, continuing relationships, which depend on mutual trust and respect. Mutual trust and respect are core DTRT principles that are essential for growing client relationships.
How we practice our principles:
- Put the client first in every financial advising / planning decision /product recommendation.
- Advising without sales goals or proprietary products
- The single most important factor in intelligent financial planning is understanding the relationship between risk and reward due to how difficult it is to quantify
- We honor your trust and confidence in DTRT by fulfilling our commitments to our clients
- Empirical financial studies have shown short-run strategies and tactics may produce short-term results, but in the long-term fail time and time again
- The acquisition and disposition of financial assets must be viewed as a relation that best suits the needs and goals of the individual.
- The basic principles of accumulating and retaining money are well documented over time – the success or failure lies within the implementation of these principles.
- We seek to save our clients money by minimizing fees and expenses. It’s our fiduciary to do so…
We created DTRT Advisors based on these principles
