The individual who actually works with you at a registered investment advisory firm. Think of them as the human face of the RIA—they're the ones giving you investment advice, managing your portfolio, and building relationships with clients. IARs must pass licensing exams and register with regulators. When you're working with an investment advisory firm, your IAR is your main point of contact. They're required to act as fiduciaries, meaning they must put your interests first. This is the person who should know your financial goals, risk tolerance, and dreams for the future.