Financial Planning

We believe a well-designed financial plan is the foundation for long-term success. Our team works closely with you to understand your current financial picture, define your goals, and create a personalized roadmap to help you reach them.

Every new client relationship begins with a complimentary consultation. If you decide to move forward, we’ll meet again to gather the details of your financial circumstances and objectives. From there, we carefully review and analyze your situation, then deliver a customized written financial plan designed around your goals.

Your plan reflects the information you share with us and is created using reasonable assumptions about factors such as interest rates, inflation, and market performance. While no plan can predict the future or guarantee results, our process equips you with a clear, actionable strategy, and the flexibility to adjust as your life evolves.

A comprehensive financial plan is available starting at $1,500, but is offered complimentary to all clients who engage us for ongoing portfolio management services.

Take the first step today and discover how thoughtful financial planning can help bring your goals within reach.

Portfolio Management

We provide non-discretionary portfolio management services designed to help you grow and preserve your wealth with clarity and confidence. Our approach begins with a deep understanding of your financial objectives, time horizon, and risk tolerance. From there, we create a tailored asset allocation plan and design an investment strategy built primarily around no-load and load-waived mutual funds.

Your portfolio is actively monitored and reviewed with you on a quarterly or semi-annual basis, depending on your needs and preferences. While we manage accounts directly, every buy or sell order is executed only with your approval. This ensures that you remain in control while benefiting from professional guidance. Fidelity Institutional Brokerage Group serves as custodian for client accounts, providing a secure and reliable platform for your investments.

Our wealth management services are offered on a transparent, fee-only basis. Fees are calculated as a percentage of assets under management, according to the following schedule:

• $0 – $499,999: 1.00%
• Next $500,000 – $999,999: 0.85%
• Next $1,000,000 – $2,000,000: 0.65%
• Assets over $2,000,000: 0.50%

A minimum asset size of $500,000 is normally required for portfolio management. Discounts on advisory fees are available for educators, first responders, and residents of Little Rocky Run, reflecting our appreciation for their service and community.

At RWM, we never accept commissions, referral fees, or compensation from the funds and securities we recommend. Our only focus is your success. With disciplined portfolio management and personalized attention, we are here to help you build lasting financial strength.