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Fiduciary Standard

What is the Fiduciary Standard?

What is the Fiduciary Standard?

The Securities and Exchange Commission (SEC) enforces a rule called the fiduciary standard of care. This rule says that financial advisors must always put their clients' interests before their own, prioritizing what's best for the clients.

Stan Malecki,  AIF® and Eric Stiles, CFP® provide services to our clients that are held to this duty of care, which always puts the client’s best interest first.

As Investment Adviser Representatives (IAR), we are legally bound by federal law to follow the fiduciary standard. This means we must act in our clients' best interest in everything we do. This includes everything from the services we offer to our investment approach and how we are compensated. 

Clients can trust that Stan and Eric will give them the best advice and service possible because they are committed to taking care of our clients' financial well-being.

How We Serve You

How We Serve You

The fiduciary standard and the suitability standard are two different ways that financial advisors can operate. With the suitability standard, advisors recommend investments that simply match their clients' situation.

The fiduciary standard requires advisors to think carefully about their clients' goals, risk tolerance, and financial situation when giving investment advice.

Stan J. Malecki, AIF® has the Accredited Investment Fiduciary® designation, completed a program at the Center for Fiduciary Studies, and passed his 27 Prudent Investment Practices Examination. 

We take part in annual continuing education to ensure we uphold our fiduciary duty in all we do.

We serve our clients by putting their needs first.



Client Centered

Accredited Investment Fiduciary®

Accredited Investment Fiduciary®

Stan J. Malecki, AIF® is an

Accredited Investment Fiduciary.

To understand how AIF® professionals prioritize your best interests, ensure unbiased advice, and uphold the highest ethical standards, click on the image above!



Eric Stiles, CFP® is a


With a CFP® by your side, you gain access to comprehensive financial guidance, unbiased advice, and a commitment to acting in your best interests. Click on the logo to learn more!

Visit our Services Overview for more in-depth explanations on how we use the fiduciary standard in our everyday practice here at Malecki Financial Group.

visit our services overview

Stan J. Malecki, AIF®, CEPA®

President / Regional Director

732-248-9400 x1104

Stan J. Malecki, AIF®, CEPA® is a seasoned financial professional with nearly 30 years of experience, specializing in strategic exit planning for business owners, investment and wealth management, retirement planning, 401(k) rollovers...

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Eric Stiles, CFP®

Financial Advisor

732-248-9400 x1108

Series 7, Series 66 Registrations | Life Insurance License: NJ  Eric is a dedicated CERTIFIED FINANCIAL PLANNER™ professional specializing in comprehensive wealth building strategies for affluent young families in Monmouth County, NJ...

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What about our parent company? Is Cetera a Fiduciary?

From our Cetera ADV 2A Disclosure:

"we rely on each firm's expertise in using objective and transparent methodologies consistent with industry fiduciary standards, to provide a broad-based universe of investment managers and investment options across various investment styles".

With Malecki Financial Group's extensive experience and continued education, we promise to uphold the latest industry standards, always acting in the best interest of our clients.

Want to Learn More?

We prioritize your financial health and confidence. If you would like to learn more about how we can help you in your financial journey, please contact the office today by clicking the button below.

click here to Contact us!