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
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
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.
Starting Out
Growing Wealth
Nearing Retirement
Living In Retirement
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.
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