My Fiduciary Oath: Putting your best interests first—always.
Why being a fee-only fiduciary matters to you
I, Josh Gallogly, CFP®, EA, will put my clients’ best interests first.
I will act with prudence; that is, with the skill, care, diligence, and good judgment of a professional.
I will not mislead clients, and I will provide conspicuous, full and fair disclosure of all important facts.
I will avoid conflicts of interest.
I will fully disclose and fairly manage, in my clients’ favor, any unavoidable conflicts.
Josh Gallogly, CFP®, EA
Managing Member and Founder, CERTIFIED FINANCIAL PLANNER®
Milestones Financial
Understanding the Fiduciary Oath
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What does the Milestones Financial Fiduciary Oath specifically pledge?
The Fiduciary Oath is my personal, public commitment to always put a client’s best interests first. It means providing full transparency, acting with care and good judgment, and avoiding or managing any conflicts of interest in the client’s favor.
How does this Fiduciary Oath ensure my interests are put first?
The commitment is supported by a strictly fee-only and advice-only financial planning model. By accepting no commissions, referral fees, or compensation from third parties, Milestones Financial removes the incentives that can create conflicts of interest, ensuring all advice is objective and aligned with your financial goals.
Is the Fiduciary Oath legally binding?
Yes. The commitment is both a personal and institutional obligation. As a CERTIFIED FINANCIAL PLANNER® professional and enrolled agent (EA) of the IRS, I’m ethically bound to a fiduciary standard. In addition, Milestones Financial operates as a fee-only investment advisory firm—also known as a registered investment adviser (RIA)—which requires acting in clients’ best interests at all times.
Because Milestones Financial is an independent, fee-only and advice-only financial planning firm that does not sell products or manage clients’ investments, this fiduciary standard applies throughout our entire relationship. This is a distinction from many CFP® professionals whose obligations may shift when recommending certain financial products.