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Individual investors should never, regardless of the circumstances:

  • Write a check, other than fees, to an investment advisor.
  • Give an investment advisor direct access to your funds.

Always deposit funds with a separate fiduciary and then give no, limited, or complete discretion to your advisor to place orders — none meaning that the advisor must have your authorization to place any and all orders prior to entry.

If this is not acceptable with your investment advisor, your investment advisor should not be acceptable to you.