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 a fiduciary oath 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—100% of the time.
How does this Fiduciary Oath ensure my interests are put first?
My fiduciary commitment is supported by a strictly fee-only and advice-only financial planning model. By accepting no investment management fees, commissions, or referral fees, I remove the incentives that can create conflicts of interest, ensuring all financial advice and recommendations are objective and aligned with your goals.
Is the Fiduciary Oath legally binding?
Yes. My fiduciary 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. Most importantly, 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 financial products or manage clients’ investments, this fiduciary standard applies throughout our entire relationship. This is a critical distinction from many CFP® professionals whose obligations may shift when making financial recommendations.