Why Holistic Advice from Fiduciary Advisors Is More Valuable Than Ever

The CBOE Volatility Index (VIX), which is often used to gauge market sentiment, recently hit its largest three-day increase of the year, reaching its highest point of 2025 as tariff concerns impacted financial markets. While headline-grabbing in the short-term, many wealth advisors would argue that, historically, extreme levels of the index have signaled bullish long-term prospects for securities.

In today’s fast-changing financial and regulatory landscape, making confident, strategic decisions about financial planning, portfolio management, tax expertise, and risk management requires more than just checking boxes. It requires a trusted perspective, one that looks beyond isolated transactions and delivers integrated, long-term guidance. That is where fiduciary advisors can stand apart.

Fiduciary vs. traditional advisors: What’s the difference?

Fiduciary advisors are legally and ethically bound to act in a client’s best interest. While this may sound like a basic expectation, it is not always the industry standard. Many financial professionals adhere to a "suitability" standard. This means they are permitted to recommend products or strategies that meet basic suitability criteria, even if these options are not the most optimal for a client's specific needs.

The power of holistic advice

A hallmark of fiduciary advising is holistic planning. Rather than focusing solely on investments, fiduciary advisors connect the dots between personal short- and long-term financial goals, tax positioning, philanthropic goals, estate and legacy planning, succession planning, and risk management. An integrated approach such as this aims to create some semblance of clarity. Clients should never be left wondering whether decisions in one area will unintentionally impact another. Instead, each strategy should align with a client’s values and long-term vision.

Key considerations when selecting a fiduciary advisor

When selecting a fiduciary advisor, it is important to note:

• Not all fiduciaries provide the same level of service. It is beneficial to seek fiduciary advisors who offer multi-disciplinary expertise or collaborate across groups, including investment, business advisory, and tax. This collaborative approach will lead to comprehensive and well-rounded advice.
• Experience working with similar clients, whether as business owner, real estate investor, executive, or part of a family office, can be highly advantageous. Familiarity with the needs and challenges of clients is essential for providing tailored and effective financial advice.
• Aligning interests is imperative. Fiduciary advisors who align their interests with those of their clients can provide guidance that is objective, transparent, and free from commission-driven incentives.

Why financial planning matters right now

The recent market volatility has created significant challenges for many investors. Now is an opportune moment to consider working with a fiduciary advisor that can provide holistic advice and immediate support.

Choosing a fiduciary advisor backed by a strong firm, with a reputation for impeccable client service, and a resilient investment platform is critical. CliftonLarsonAllen Wealth Advisors, LLC is here to help clients navigate these uncertain times with confidence and clarity.