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, families, and small businesses with various levels of need.
|Foundation Services||Premier Services|
|Streamlined ETF Portfolio||–|
|Annual Review Meeting & Limited Calls/Emails||–|
|Financial Goal Road Map ($250 savings)||$500||–|
|Cash Flow Planning & Debt Management|
|Insurance Planning & Reviews|
|Estate Document Review and General Planning (excludes document preparation)|
|General Tax Planning & Analysis (excludes tax return preparation)|
|Premier Retirement & Goal Plan||–|
|Full-Service Investment Mangement||–|
|Tax Loss Harvesting||–|
|Unlimited Review Meetings/Calls/Emails||–|
|Cost of Services (Based on Assests Under Management)||0.75% per annum||Tiered Rate|
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:
Many individuals may not need our Premier Services, but still need financial planning services. That is why we offer Foundation Services. This streamlined service includes a portfolio of low-cost, exchange traded funds that we have selected based on our due diligence process. We also review and provide recommendations for your outside employer retirement plan at no additional cost. We include one detailed review per year as well as access to our planners when you need them for general questions and to get their recommendations on retirement, insurance, and estate planning matters. You will also have access to a personal financial website.
As a Foundation client, you may not be at a stage in your life where you need a detailed cash flow and retirement analysis, but still would like to know if the savings plan you have in place will help you reach your goals. For a separate, discounted cost for Foundation clients, our Financial Goal Road Map can help you determine if you’re headed in the right direction to meet your goals.
Our minimum managed portfolio balance for Foundation Services 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.
You may not be in a position currently where you need ongoing portfolio management and financial planning but still need guidance in your financial life. That is why we offer one-time planning and provide a standalone Premier Retirement and Goal Plan or Financial Goal Road Map and project based/hourly planning.
|Stand Alone Premier Retirement & Goal Planning||Cost|
|Retirement Plan & Projections||$2,500|
|Survivor & Life Insurance Needs Analysis||$500|
|Disability Insurance Needs Analysis||$500|
|Long Term Care Insurance Needs Analysis||$500|
|Higher Education Savings/Funding Analysis||$500|
|Estate Document Review & General Planning||$500|
|Total for All Areas (without a discount)||$5,000|
|Discounted All-Inclusive Plan||$4,000|
|Stand Alone Financial Goal Road Map||Cost|
|Financial Goal Road Map||$750|
|As Needed Planning|
|We offer one-time planning based on our hourly rates. We have a two-hour minimum billing increment. Flat fees can be negotiated depending on the nature and scope of the engagement.|
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.