Financial Planning Services

At RFW Wealth Advisors, the client experience is based on a comprehensive financial planning relationship with an experienced independent financial professional. Whether you are close to retirement, in retirement, or far from retirement, an ongoing comprehensive approach will help you navigate life’s financial challenges. A true financial planning relationship is an ongoing process that defines your goals, develops and implements well-reasoned strategies, and monitors your plan throughout changing economic times and life events. We are there with you for the long run!

Protection planning starts with establishing what you are trying to accomplish through a comprehensive financial planning process. Protection planning for individuals and business owners typically involves the determination of whether you are properly insured in the case of death, disability, and/or illness, or incurring an unforeseen financial obligation due to property damage or litigation. When evaluating risk for an individual or a business owner, your choice is to self-insure the risk, transfer risk to an insurance company, or some combination of the two. The answer is not always clear as to what level or structure of protection is appropriate for your circumstances. The amount of coverage needed will also likely change over time as your financial circumstances change. New policy features, benefits, and pricing will also change, so your overall insurance strategies and products should be re-evaluated periodically.

We help clients build portfolios consistent with their risk tolerances for long-term capital appreciation, as well as income strategies for retirees, while offering clients access to the alternative investment marketplace. We will continue to monitor and manage these portfolios after implementation through a comprehensive financial planning relationship. We deliver this relationship using the RFW Wealth Integration System. Our web-based technology solution allows our clients to aggregate all of their financial information and investment accounts in one safe place, simplifying their financial lives. The system allows clients to view all accounts, including accounts held away. These accounts are updated daily and help us track and monitor assets we may not be directly managing. This provides a better understanding of your overall investment allocation and net worth.

Running a private, small-to-midsize business is challenging, to say the least, in today’s economic environment. Business owners have to make tough decisions every day as they manage their balance sheets and income statements, while executing on customer needs and retaining high-quality employees. All the while, business owners are planning for their own family’s needs and financial goals. As business owners ourselves, we understand the challenges that a business owner faces and the decisions you have to make every day.