A Registered Investment Advisor, or RIA, is registered with the U.S. Securities and Exchange Commission or with state securities agencies. Unlike broker/dealers, RIAs must adhere to a significantly higher standard of fiduciary. A fiduciary standard is defined by the U.S. Investment Advisors Act of 1940 and means that an RIA always must serve a client’s best interests. RIAs must eliminate, or at least disclose, any potential conflicts of interest. Michael J.D. McCall LLC. has no conflicts of interest.  Can your broker say that?