Independent - Client First
Have you ever tried to serve two masters? Nearman did that at the beginning of his financial career, working as a W-2 employee for a Wall Street firm while working for his new clientele. Talk about a conflict of interest. Thus he went Independent in 1992 and began working solely in his clients' best interests.
Since 2021, Nearman has had relationship with Cambridge Investment Research (CIR) as a 1099 independent contractor. As a Registered Representative and an Investment Advisor Representative of CIR, Nearman can offer clients most listed stocks, bonds, mutual funds, exchange traded funds, annuities (fixed, variable and immediate) and other investments as well as the ability to provide advisory services. He chose to work with CIR because of their strength in compliance and dedication to technology including intense use of Docusign and quick response from friendly professional staffers.
STEVE NEARMAN'S OATH TO HIS CLIENTS AND THEIR BEST INTERESTS -
Let me be crystal clear - I have never nor will I ever accept cash and non-cash enducements including, but not limited to, recognition trips, nominal gifts, entertainment, marketing expense reimbursements from mutual fund and/or insurance companies, business expense reimbursements or discounts, CIR-sponsored benefits, and other benefits, period.
The sole reason I became an Independent financial consultant in 1992 was to remove myself from an environment where biased incentives and quotas for financial professionals were encouraged by management and that they conflicted with my clients' best interests.
I have never nor will I ever allow any arrangements to incentivize me to recommend that clients trade more frequently, purchase additional investments unless in your best interest, purchase products that generate higher compensation unless in your best interest, and purchase proprietary products offered by CIR affiliates so that I make progress toward or meet the thresholds required to receive these various benefits. NOTE: My compensation is not linked to such thresholds. I absolutely do not receive any higher payouts from CIR for recommending one investment type over another, whether it is stocks, funds or advisory services. Recommendations are solely made in my clients' best interests and always has.
I am an independent contractor with CIR and I generally pay CIR approximately 10% of my annual compensation so I can have access to CIR's knowledgeable and vast supervisory and compliance personnel (a Financial Industry Regulatory Authority requirement), an extensive brokerage operation and cutting-edge technology platforms. And like many of my clients, I engage in business activities, some outside of the scope of your relationship with me (“outside business activities”): insurance sales and advice, tax prep and volunteer activities like The Great Blizz Special Ice Hockey (founder, Board president) and Run a Mile Project (Board Member). These activities have never and will never take away from your access to my time and energy and have only had positive influences on the worldwide views and recommendations I bring to clients. Clients can always review my Securities background - including Outside Business Activities - on FINRA’s BrokerCheck website at https://brokercheck.finra.org/ and ask me questions for clarification. I run an independent investment firm where ethics and strong principles have been the hallmark of my long career.
I am an independent contractor with CIR and I generally pay CIR approximately 10% of my annual compensation so I can have access to CIR's knowledgeable and vast supervisory and compliance personnel (a Financial Industry Regulatory Authority requirement), an extensive brokerage operation and cutting-edge technology platforms. And like many of my clients, I engage in business activities, some outside of the scope of your relationship with me (“outside business activities”): insurance sales and advice, tax prep and volunteer activities like The Great Blizz Special Ice Hockey (founder, Board president) and Run a Mile Project (Board Member). These activities have never and will never take away from your access to my time and energy and have only had positive influences on the worldwide views and recommendations I bring to clients. Clients can always review my Securities background - including Outside Business Activities - on FINRA’s BrokerCheck website at https://brokercheck.finra.org/ and ask me questions for clarification. I run an independent investment firm where ethics and strong principles have been the hallmark of my long career.
Put Me to Work for You
My financial/investment advisory services offer you the opportunity to work with me in your own comfortable way. Some of my clients hire me to manage their investments and provide financial advice for a fee based on assets managed. Others hire me on an hourly fee basis, as they would with hiring an attorney. Other clients opt to have me manage their investments for a commission based on buying and selling their investments.
Through Cambridge Investment Research, I can offer all the conveniences of a full-service brokerage firm, with top service at a reasonable cost:
- Stocks - all Listed Securities
- Bonds - individual Corporates, Municipals, Treasuries, Government Agencies
- Mutual Funds - thousands of funds from top-performing managers
- Exchange-Traded Funds (ETFs)
- Tax-Advantaged Investments (e.g. Fixed/Variable/Immediate Annuities)
I can establish:
- Stock Brokerage Accounts through National Financial Services (NFS)
- Margin Accounts
- Mutual Fund Accounts
- IRA/Roth IRA Accounts, including Rollover accounts
- Corporate Retirement Plans such as SIMPLE IRAs, 403(b)s, 401(k)s and SOLO 401(k)s
- Automatic Savings Plans