For most people, working with a financial advisor is part of an evolving journey. As their financial lives become more complex, they encounter different types of advisors and firm models, refining what they value and finding the right fit over time.

In this episode of the Inevitable Wealth, Jacky Petit-Homme and Guilian DiLeonardo walk through what that real-world wealth management journey often looks like.

We cover the most common models people experience, including insurance-first firms, workplace 401(k) providers, regional advisors, wirehouse firms, and independent RIAs. We discuss how each model works, what they do well, how incentives differ, and where limitations can appear as financial complexity increases.

This isn’t about saying one firm type is “good” or “bad.” There are high-integrity advisors across every model. The goal is to help you better understand the differences so you can make more informed, intentional decisions over time.

If you’ve ever asked:
• What’s the difference between Edward Jones, Merrill Lynch, and an independent RIA?
• Do I really have an advisor through my 401(k)?

This episode is designed to bring clarity and perspective to how advisory relationships evolve.

Disclosure: The views and opinions expressed are our own and provided for educational purposes only. They are not individualized financial advice.