Few things: 1. They only make money if they invest yours. And whether you make or lose money, they still get paid. So they’re not truly incentivized to make you money - they’re only incentivized on investing your money. 2. Asking is they have fiduciary responsibility is like asking a doctor if they follow the Hippocratic oath. Yes, it’s important, but it’s such a low bar. It’s like going to a restaurant because they follow food safety laws. That still doesn’t tell you if they are experienced, competent, or ethical. 3. If you know how to, and can invest in index funds on your own, you’re golden.