- Goal Setting
- Financial Planning
- Investment Review and Strategy Implementation
- Tax Planning
- College Planning
- Pre- and Post-Retirement Planning
- Asset Protection
- Estate Planning Strategies
- Lump-Sum Distribution Advice
- Career Transitioning
- Financial Seminars
As a the world becomes increasingly integrated and complex, we use risk management strategies to reduce undesirable results. Our understanding of investment management portfolios with a global capital markets perspective make our firm unique. Our customized solutions have a managed level of tactical flexibility, which includes the use of alternative investments to capture returns and hedge against volatility as markets shift. Investing is an incredibly personalized opportunity, and we will customize a portfolio for you based on your savings goals, retirement objectives, and risk tolerance.
ACCOUNTABILITY AND TRANSPARENCY
One major differentiator of an independent investment advisor, we do not custody or hold any of your asset but instead use world class custodians. Many client enjoy the comfort, accountability, and security that comes with firms like TD Ameritrade, Charles Schwab, and Fidelity offer to custody their assets. We direct the investment for our clients but maintain a constant and high level of communication throughout the process. In order to better understand how your portfolio is performing, we use carefully vetted third-party analysis programs who independently report on your holdings. Our Performance Report gives you a clear picture of your investment strategy and how your portfolio has done from day one, net of all fees.
SLEEP WELL AT NIGHT
When your money is in good hands, it’s easier to sleep better. Our practice is built on confidence, and our firm takes the extra steps so you’re an active participant in every step of the planning process. By earning your trust and showing our honesty and integrity upon each and every encounter, even through turbulent markets, our goal is to help you be confident in your investment decisions.
The foundation of a functional financial plan is the understanding of the goals of the client. Beyond “Your Number” it important to uncover what money represents to each client. Our profiling process often reveals a value systems that a simple questionnaire will not capture. For example, acquiring a vacation home is often listed as a goal. However, the home can represent, the opportunity to travel on a consistent basis, a gathering place for family for others, or even the ability to enjoy activities outside of their local area.
From a profiling perspective, its important to understand risk tolerance. Risk has many definitions and meaning so its our responsibility to understanding what that means to each client. We typically find clients benefit by understanding the fundamental principals of investing and capital markets. Both help them understand their financial plan and ultimately their investments better which leads to longer investment periods.
INVESTMENT TAX PLANNING
“Its not how much you make, its how much you keep”
Throughout the financial planning process, we make decisions take into consideration the net benefit to our clients after taxes. During the investment process, the difference between short-term and long-term capital gains can be greatly impact the success of a strategy. Capital gains in conjunction with sales, income, gift, and estate taxes are very important to our clients. We partner with Certified Public Accountants (CPA’s) to implement the strategy that best meets your short term and long term needs. This fall we wrote about how to work with financial planners and CPA’s
We work with client’s financial plan that addresses:
Deductions and Credits
Sale of Personal Residence
Federal Income Tax
Disclaimer: Rainierview Advisors, LLC does not offer tax advice. Please consult a Certified Public Accountant (CPA) regarding specific tax related questions.
“If you don’t have an estate plan now you will receive one when you need it but you probably won’t like it”
Many of our clients take advantage of basic property titling to properly pass along their assets. Understanding which Planning documents can help achieve asset protection including trusts is an important aspect of comprehensive financial planning.
The concept of retirement has certainly changed in the last 40 years. People are living longer and spending more time in retirement. At RVA, our job is to identify the various sources of funding for retirement: including Social Security, pension plans, 401k, annuities, life insurance, and other retirement accounts and develop multiple scenarios for our clients to enjoy their retirement years with confidence. What makes our planning unique is the concept using multiple cost of living adjustment or inflation in order to give our clients a more detailed analysis of their asset values.