Institutional vs. Retail

Institutional vs. Retail

Know your options

When you’re seeking financial guidance, it is helpful to understand the different types of professionals who are available and the types of services they provide.


The retail financial industry distributes its products and advice through a broker, a person who introduces a willing buyer to a willing seller of a product. In many cases, the commission they receive depends upon the benefit to the company that manufactured the financial product.

What is a Retail Product?

Retail products, such as mutual funds, are designed to give the general public access to financial markets. Distribution and marketing costs, together with internal trading commissions, are built into these retail products.


Institutional investments are handled by financial advisors. They normally receive a quarterly fee based on the value of the client’s assets being managed.

A financial advisor can also work directly with mutual fund money managers to help reduce the additional cost of retail products.

Wealth Management

Many financial advisors provide wealth management services. At Capital Income Advisors, we use a three-step process:

  • We meet with our clients one-on-one to get to know them and understand their concerns, goals and vision for their financial future.
  • After assessing the client’s assets and current financial situation, we provide customized choices to help get them where they want to go. A financial strategy may be comprised of investment management, building a guaranteed income with insurance products and legacy planning.
  • After setting the strategy in motion, we continue to work closely with the client to make sure it is performing up to their standards and make any necessary adjustments.

Strategies for Financial Independence

To schedule a time to discuss your financial future, Wealth Design Process TM, and build your financial strategy, contact us at or call us at (800) 875-1986 today!

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment options to custom suit their needs and objectives.

Have Questions for our team?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Retirement Kit

Before you can plan your retirement, you need to know the facts. Fill out the form below to request our complimentary retirement kit today.

Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

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The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

Representative and advisory services offered through Arbor Point Advisors, LLC Richard Gigliotti, Jeremy Keating and Alexander Mele, Representatives.CA Insurance Licenses: Jeremy Keating #0E28476; Richard Gigliotti #0H83102; Alexander Mele #0H82823

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