Name: Stonecreek Wealth Advisors, Inc.. Descripton:Stonecreek Wealth Advisors is an independent, fee-only, Registered Investmetn Advisor. SWA is a fiduciary. The SEC describes a fiduciary like this. “A fiduciary has an affirmative obligation to put client’s interests above his or her own. As a result, a fiduciary acts in the best interests of the client, even if it means putting a client’s interest above his own. A fiduciary standard is an affirmative obligation of loyalty and care that continues through the life of the relationship between the adviser and the client, and it controls all aspects of their relationship.” Stonecreek Wealth Advisors Investment Philosophy - There are only two investment philosophies. The first is that free markets fail, while the second is that free markets work. It is important for all people to understand what each means, choose one and align themselves with an advisor who shares the same belief. We believe that free markets work. What this means is that all the knowable and predictable information is already factored into the price of a stock. Based on supply and demand, the free market is the best determinant of market prices. In other words, it is breaking news, unknowable information, or unforeseen events that changes the price of a stock. The randomness of the market makes it impossible for any individual, entity, or software program to consistently predict market movements and capture additional returns unrelated to risk. Stonecreek Wealth Advisors has GIPS Audited Returns Make sure the returns of the money manager you use are audited by a third-party firm like Global Investment Performance Standards (GIPS). Many portfolio managers, financial advisors, stockbrokers, and financial planners claim consistent, superior performance, but do not provide independently-validated evidence of that performance from a firm like GIPS. Ask for a GIPS audit report. If they can’t provide a GIPS audit, then be leery! For more information about GIPS, visit their website at gipsstandards.org.