Here at RFS, our hard working financial advisors will help you sort through life's financial complexities and develop a truly customized and holistic plan that suits your needs and circumstances. With our fee-for-service approach to Financial & Retirement Planning, you can sit down with one of our reps to fully examine your current assets and investments, taxes, retirement plans, Social Security, pensions, life insurance, etc. Our Financial & Retirement Plans do not require us to manage your assets.

Our base plan costs $750. By completing this plan we'll help you address and find answers for questions like

• Are my investments on track for meeting my goals?
• How can I simultaneously work toward my short, intermediate, and long-term goals?
  
• How do I reduce my taxes?
  
• When can I retire?
• Will I out live my money?
• What sort of legacy can I leave to my kids, grandkids and community?

What do the numbers say about your current financial state? Access our free Networth Statement Worksheet here! And if you're considering retirement and wonder if your retirement savings are on track? Check out our Pre-Retirement Calculator. Assess how well you have prepared so far and what you can do to potentially improve your retirement outlook. 

The advisors at RFS put you and your needs at the center of our asset management and investment planning. We take a step back to look at the bigger picture by ensuring your investments are aligned with your overall financial plan. As part of our process we will explore your risk tolerance, return needs and investment preferences. This helps us develop your Investment Policy Statement which empowers you to understand the allocation of your assets, establish how future dollars will be invested, how liquidations should occur, and provide greater accountability and reduce the guesswork on your advisor's part. 

Not only will we help you manage your assets according to your preferences, but we'll also address questions like

• Are my investments working hard enough?
  
• What investment principles and strategies are most appropriate for my situation and goals?
• Am I taking too much risk? Am I taking enough risk?
• How do I control my taxes through my investments?
• What happens with my 401(k) when I retire? Taxes? Investments?

When clients bring investments to our office, we will often charge an Advisory Management Fee, sometimes referred to as an Asset Under Management (AUM) fee (see our fee schedule below). This fee is an annual percentage that is charged on the assets in the account. The fees are withdrawn from accounts on a quarterly basis and you will not be invoiced for it. For example: a $500,000 account will pay $5,625/year in fees. We find that this is a better way to serve clients than charging large up-front commissions, as it puts our advisors and clients on the 'same side of the table' for the long-run because as client accounts do better, we do better. 

Disclosures: We primarily use the following Cetera advisory programs - Preferred Asset Management (PAM), Prime Portfolio Services and Premier Portfolio Management and My Advice Architect.  Clients in Manager or Unified programs will pay a Manager Fee, based on the selected Manager. Please refer to firm's ADV Part 2A and the Client Agreement for additional platform, strategist, or any related fees that may apply. 

When you leave or retire from a company where you've invested in a retirement plan or have a pension plan, you'll face many pressing questions. Ramsier Financial's investment advisors specialize in IRA rollovers and helping set up income distributions and tax withholding, but are also well versed in how best to take Social Security and/or pension distributions. For teachers and other public employees do you take a PLOP, DROP or other lump sum option? RFS advisors can answer those questions along with how to set up required minimum distributions and how best to take distributions that help minimize the tax implications of a withdrawal. For scattered assets, we offer investment asset consolidation and streamlined planning, which can eliminate some needless fees and provide a more complete picture of your financial portfolio. We'll help you answer key questions surrounding your retirement or pension plan, including

• What do I do with my 401(k) when I leave the company or retire?
• How soon will I need monthly income from this plan?
• How much can I take and not run out of money over my lifetime?

Being prepared for life's most unfortunate and unexpected events can go a long way to protecting you, your loved ones, and your financial well-being. RFS is licensed with some of the largest carriers, such as Lincoln, Banner, John Hancock, Prudential, and Mutual of Omaha. So, not only will we help assess your coverage needs, but we'll also help you shop and compare to find the best-fit policies and benefits at the most economical prices. We specialize in long term care insurance and the tax advantages it can provide for individuals and business owners.

Curious about long term healthcare costs in Wayne and surrounding Ohio counties? Download our free Long Term Care Facility Cost Sheet - Wayne Co. Ohio 2025

Want to see some term life insurance quotes for you or your family? Use Ramsier Financials powerful Term Life Quoting Website  to see rates, and request applications from top rated carriers in seconds. In addition, you can use this calculator to determine what amount of life insurance is appropriate for your financial needs.

Having an effective estate plan in place is essential to your holistic financial plan. Our financial advisors can work directly with your attorney or one that we recommend to assist you in preparing an estate plan that will help protect your legacy from unnecessary taxes and fees and which ease the financial and administrative burden left on your loved ones. In addition, we're able to implement estate strategies that are needed such as re-registering assets to a trust, adding Transfer on Death designations to avoid probate, transferring shares to Donor Advised Funds. Completing the proper paperwork is critical to the successful execution of these strategies. We're here to help with all your legacy planning and estate conservation issues and questions, such as

• What are the elements of a sound estate strategy?
• Are my beneficiaries set up correctly?
• What is the most tax efficient way to give money to charity?
• How can I use Donor Advised Funds or Endowments to leave a lasting legacy?

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

Generally, a donor advised fund is a separately identified fund or account that is maintained and operated by a section 501(c)(3) organization, which is called a sponsoring organization. Each account is composed of contributions made by individual donors. Once the donor makes the contribution, the organization has legal control over it. However, the donor, or the donor's representative, retains advisory privileges with respect to the distribution of funds and the investment of assets in the account. Donors take a tax deduction for all contributions at the time they are made, even though the money may not be dispersed to a charity until much later.

Our pre-retirement calculator is designed to help you assess how well you have prepared and what you can do to potentially improve your retirement outlook. Use our calculator to help you prepare for the next phase of your life.