How We Work with Clients

 We are fully transparent with our clients on our fee structure. Our services are provided on a fee-only basis, which means we do not sell any products or receive any “kickbacks”, so you can rest assured we have no hidden agenda. We offer three different levels of financial planning and wealth management to accommodate individuals and families with various levels of need. 

Personal CFO

Large corporations and organizations have a chief financial officer (CFO) and we believe you should too. As your personal CFO, we can provide you full financial planning and wealth management including all of the areas listed on the planning page. You will have full access to our planner team for all of your financial planning needs.

*Tax preparation and extensive tax and estate planning are available from our affiliated CPA firm, Smoak, Davis, & Nixon LLP.

In addition to these services, you will receive access to a personal financial website that you can use to review all of your financial accounts (both at RCA and outside institutions) along with spending and budgeting tools. We will also review and provide recommendations for your outside employer retirement plan at no additional cost. With our team of CFP® and CPA professionals, there is almost no area of your financial life that we cannot assist you with.

Our minimum managed portfolio balance is $500,000 for this service level. Fees are billed quarterly and calculated on the total account value of all assets placed under our management in accordance with the following standard fee schedule:

Value Annual Fee
First $250,000 1.25%
Next $1,750,000 1.00%
Next $2,000,000 0.70%
Additional Assets 0.50%

Schwab Intelligent Portfolios™

Many individuals may not be able to meet our portfolio minimum to engage us for our Personal CFO service level, but still need financial planning services and wealth management. That is why we offer Schwab Intelligent Portfolios™. This streamlined service includes a portfolio of low-cost, exchange traded funds that we have selected based on our due diligence process. We will also review and provide recommendations for your outside employer retirement plan at no additional cost. We will include one detailed review per year as well as access to our planners when you need them to ask general questions and get their recommendations on retirement, insurance, and estate planning. You will also have access to your personal financial website.

Our minimum managed portfolio balance for Schwab Intelligent Portfolios™ is $100,000 and we charge 0.75% annually for this service. Fees are billed quarterly and calculated on the total account value of all assets placed under our management. Full financial planning can be provided for an additional fee.

As Needed Planning

You may not be in a position currently where you need asset management and a financial plan but still need guidance in your financial life. That is why we are glad to offer hourly planning. Our hourly rates range from $100 to $350 per hour, depending on the scope and complexity of the engagement. We have a two hour minimum billing increment. Fees are due at the time of the initial meeting. Flat fees can be negotiated depending on the nature and scope of the engagement.

Additional Services

In addition to the services that RCA offers, our CPA affiliate, Smoak, Davis, & Nixon LLP offers tax preparation, attestation services, personal and business accounting, bill pay services and more on an as-needed basis for a separate fee. Visit the Smoak, Davis & Nixon LLP website for additional information.

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