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a thorough approach to your financial plans

align your financial decisions with your values

align your financial decisions with your values

Your life is complex and your circumstances ever-changing – maybe even a bit messy – but your values are a steady undercurrent to your financial decisions. As a first step in our thorough process, our team of financial planners and specialists take the time to listen to you, genuinely getting to know you on a personal level. This way, when you reach life's pivotal moments, we can help you better align your financial decisions with your values. 

Find clarity in the complex

Find clarity in the complex

You know the kind of life you want for you and your family, but the path to your goals and objectives can often seem unclear and fraught with the unexpected and unpredictable. The financial professionals at RFS, however, know how to sort through complexities in order to help you identify, clarify, and prioritize the goals and objectives that will uphold your values. Once we've defined these, we'll help you develop and carry out a truly holistic plan to pursue them. 

understand your starting point

understand your starting point

Understanding your values, goals, and objectives are central to our process, but before we design a financial plan, your Ramsier financial planner will work closely with you to understand where you are now versus where you want to be. The more you are willing to share with us – tax returns, personal or business operational budgets, wills, trusts, accumulated assets from other sources, and liabilities – the more effective and holistic your financial plan will be.

Want to know your Risk Number?

A 5-minute questionnaire covers topics such as portfolio size and top financial goals, while showing real dollar amounts of how much you are willing to risk for potential gains. Once complete, you will have a personalized Risk Number®. It's fast, free and displays your number instantly.

Free Portfolio Risk Analysis

guiding better decisions for every life stage

Every life stage presents unique financial demands and desires. Ramsier's financial professionals provide honest and accurate advice to help guide your financial decisions for today and tomorrow. 

Starting Out

Starting Out

Growing Wealth

Growing Wealth

Nearing Retirement

Nearing Retirement

Living In Retirement

Living In Retirement

your personal investment policy statement

your personal investment policy statement

Since your values, goals, and objectives are unique to you, having a truly customized financial plan to match is key. In addition to designing this personalized plan, we can also help you develop what we call your Investment Policy Statement. This personal statement empowers you to:

  • clearly see and understand the allocation of your assets before they are invested
  • develop a blueprint for how future dollars will be incorporated into your plans and how liquidation should occur
  • have greater accountability and reduce the guesswork on your advisor's part


Our written advisory investment plans have a minimum requirement of $100,000.

 Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Advisors LLC's ADV Part 2A.

 

When Do You Need a Will?

When Do You Need a Will?

When do you need a will? The answer is easy: Right Now.
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Are Alternative Investments Right for You?

Are Alternative Investments Right for You?

With alternative investments, it’s critical to sort through the complexity.
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The Richest Man in Babylon

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Learn More

our services

We provide products, services, and the honest and accurate advice you need to make better decisions in pursuit of your financial goals. See what RFS can do for you.

Explore Services

Our Team

Individually, we are experienced, educated, and skilled, but as a team, we are even more capable. With RFS, you'll have more than 90 years of combined experience working for you. 

Meet the Team

Contact Us

Financial planning is complicated, and life is messy. You need a partner for life whose advice you can trust. Contact us today to learn more about how we can partner with you in pursuit of your goals.

Contact Us Today