How We Define A Good Client Fit:

We may be the right fit for you if...

  • You are looking for someone to act as your personal chief financial officer (CFO)
  • You are looking for comprehensive, independent advice instead of a sales pitch for the product of the month
  • You prefer to enjoy other aspects of your life besides spending the time necessary to understand investing, taxes and estate tax
  • You are retired, or within 5 years of retirement
  • You are a high net worth individual with at least $500,000 of investable assets

Meet Ross & Mary

We may not be the right fit for you if...

  • You are looking to outperform your neighbor (e.g. you are a “performance junkie”)
  • You do not listen to other professionals (e.g. you continue to smoke when your doctor had diagnosed you with emphysema)
  • You want to try to “time” the market
  • You are looking for the five hot investments to buy NOW!
  • You are looking for another financial professional when you already work with two or three
  • You are unwilling to disclose your financial questions or concerns
  • You are only focused on the short term

 

* We do not accept shared accounts. We take responsibility for the management of your retirement portfolio. We do not accept shared accounts for the same reason you would not have two family doctors — conflicting advice can potentially produce disastrous results. Financial planning consulting services are provided through RMH Advisors, LLC, a registered investment advisor and a separate entity from LPL Financial.  Fee-based financial planning services and securities offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. No strategy ensures a profit or protects against loss.

FAQ

  • Retirement Planning FAQs

    We can help answer any retirement planning questions you might have...

    • How do I balance my desire not to lose money with that of keeping pace with inflation?
    • How should I/we title my/our assets to mitigate probate?
    • How can I have a stable income through retirement?
    • How do I get the most out of Social Security? And how exactly do I do that?
    • What can I afford to spend each year? Everything I have is in tax-deferred accounts.
    • What can I do to manage risk for my taxes?
    • The estate tax seems to change every year. How can I plan for it?
    • I just sold my home. What do I do with the money?
    • How do I downsize effectively?
  • Pre-Retirement FAQs

    We can help answer any immediate pre-retirement planning questions you might have...

    • Which retirement option should I take at work?
    • What are my 401k distribution options?
    • How can I replace my paycheck?
    • When should I start taking social security?
    • I have accounts everywhere. How can I consolidate them so I have a better feel for what I can do?
    • Can I afford to retire without worrying too much?
    • Do I still need my life insurance?
    • What is a Roth IRA and would it benefit me or my family?
    • How much of my portfolio should be in stocks?
    • Can I move or downsize right away?
    • What should I do with my estate plan?
  • Widow Or Divorcee FAQs

    We can help answer any sudden loss financial questions you might have...

    • Do I have the right amount of risk in my investments?
    • I’m worried that I’ll lose everything & end up with nothing! (Bag Lady Syndrome). How can I manage risk for that?
    • How can I organize my finances to reduce my stress?
    • I just received a huge divorce settlement. What should I do with all this money to preserve what I have?
    • What in the world is a step-up basis, and can it help me?
    • When my spouse passed, he/she had IRAs and retirement plans; what are my options to take those monies (other than one lump sum) to benefit me or our heirs?
    • I need income from my investments. How much can I comfortably take?
    • I’m tired of so many statements! What do I need to do to consolidate my investments now?
    • Do I qualify for widow(er)/divorcée social security benefits as part of my retirement income strategy?
  • Medical Professional Financial Planning FAQs

    We can help answer any medical professional financial questions you might have...

    Risk management is often of vital importance to medical professionals and having someone coordinate all aspects of their financial lives allows them to concentrate on their specialties.

    • How can I set up a retirement plan to benefit me and keep my employees loyal?
    • Other than a retirement plan that I have to contribute to for my employees, what other options are available to build my assets?
    • How should my assets be titled or held to help me manage risk for potential liability?
    • How can I pay off my school debt effectively?
    • How can I grow my private practice?
    • I want to retire soon, but don't have a transition plan in place. Can you help?
  • Business Owner Financial Planning FAQs

    We can help answer any business owner financial questions you might have...

    Risk management is often of vital importance to business owners and having someone coordinate all aspects of their financial lives allows them to concentrate on running their business in the most effective way.

    • What type of business form should I use for my particular business?
    • What kind of retirement plan can I use and which would be suitable for my needs.
    • I'm selling my business. (this time frame and the underlying decisions are very similar to retirement. In many cases business owners are going to deal with more available cash than they ever had.)
    • What do I do with my investments? Are there any strategies that I can use to potentially lower my taxes?
    • What are the possible catastrophes that I need to be aware of so that I can conserve my business. I need to be aware of and plan for the estate tax planning issues so that my heirs can potentially receive more than the IRS!
    • I need help with a business succession plan. What should I do?
  • Inheritor Financial Planning FAQs

    We can help answer any inheritor financial questions you might have...

    People coming into large amounts of money have special needs and concerns like these:

    • Do I take my inheritance (or prize) in cash or in kind?
    • What changes should I consider with my estate planning?
    • Part of my inheritance is in IRAs. How should I take them?
    • How much can I safely spend without depleting this windfall?
    • How can I protect my newfound wealth?