One of which could be "who do I trust with my money?". An RIA is a suitable option because they act as fiduciaries. There is a much smaller chance that they will hide fees or advise against their client's best interest (Nerdwallet). The caveat to having an RIA is that they tend to focus on getting a high net worth clientele. Given the lack of commission-based income, RIAs have something of a cap on their salary. Their income is largely based on the amount invested by their clients; they earn more when their clients invest more (Barnes). Therefore, if a potential client has a less than desirable portfolio, they may have a more difficult time finding representation with an RIA or other fiduciary. Additionally, RIAs are more interested in conservatively maintaining and growing their clients' portfolios, so a low net worth client would not benefit much from investing through and