wealth management
Your Plan and Your Portfolio, Working Together
Your investment portfolio shouldn’t operate independently of your financial plan. We bring financial planning and professional investment management together in one ongoing relationship, so your decisions about investments, taxes, and retirement work toward the same goal: the life you want to live.
KNOW WHAT YOUR MONEY CAN DO
Understand how your investments can support retirement, family, and the goals that matter to you: what’s realistic today and what may be possible down the road.
YOUR PLAN, PUT INTO ACTION
A plan does the most good when it’s consistently carried out. We manage your investments in coordination with your plan, so your strategy doesn’t remain another item on your to-do list.
ENJOY WHAT YOU'VE BUILT
Make decisions about spending, giving, and life’s next chapter with greater clarity and confidence, knowing your wealth is being managed with your priorities in mind.
HOW COORDINATION WORKS
From Your Plan to Your Portfolio, and Back Again
Your financial plan, built through SMART Planning™, guides how your portfolio is built and managed. Here’s how the two work together as your life and priorities evolve.
Your Plan Sets the Direction
Whether you're paying for college, planning to retire early, or supporting aging parents, your plan defines what your money needs to do and when it needs to do it.
Investments Support Your Plan
We build and manage your portfolio around those timelines, so money you'll need soon is positioned differently than money meant to grow, with taxes considered along the way.
Both Adjust as Life Changes
An inheritance, a business sale, a new job, or a change in retirement plans can shift what's possible. When that happens, we revisit your plan and determine whether adjustments to your portfolio are appropriate.
the scope of wealth management
The Decisions We Help You Navigate
Your financial life involves more than investment decisions. Protecting what you’ve built, managing taxes, preparing for retirement, and caring for the people who matter to you all shape how your wealth should be managed.
Here’s how we help with each.
Risk Management
Before focusing on growing your wealth, we look at what could put it at risk. We review your insurance coverage and liability exposures, recommend appropriate protections, and coordinate with insurance professionals when needed. Because we don't sell insurance or earn commissions, our recommendations remain focused on your needs.
Cash Flow & Debt
Major purchases, debt decisions, and everyday spending can affect your financial future. We help you understand those tradeoffs and evaluate your cash needs, so you can enjoy the lifestyle you want today while protecting your ability to pursue tomorrow's goals.
Investment Management
We take the day-to-day responsibility of managing your investments off your plate. From implementing your strategy to monitoring and adjusting your portfolio, we handle investment decisions in coordination with your financial plan. That gives you more time for your life, and a steady, objective perspective when markets make emotional decisions tempting.
Tax Planning
Tax decisions affect how much of your wealth is available to support your goals. We evaluate investment tax efficiency, account withdrawals, and planning opportunities over time, coordinating with your tax professional to help you make informed decisions with the bigger picture in mind.
Retirement Planning
Retirement should be about enjoying the life you've worked to build. We help you evaluate whether your savings and income sources can support that lifestyle, then provide ongoing guidance to help you stay on course or make adjustments as your plans evolve.
Estate Planning
Your wealth should reflect your wishes, even when you're no longer here to make decisions. We review beneficiaries, account ownership, and other important details, coordinating with your attorney so your financial and estate plans support the people and priorities that matter most.
OUR INVESTMENT APPROACH
How We Manage Your Portfolio
We don’t fit clients into a single product or investment style. We select investments based on the role they serve in your financial life, with a documented strategy and ongoing oversight to keep decisions intentional.
Risk That Fits Your Life
How much risk you're willing to take, how much you can afford to take, and how much you actually need aren't always the same. We weigh all three, then document the agreed approach in a written Investment Policy Statement we review together.
Investments That Earn Their Place
We aren't committed to active or passive investing. Low-cost, diversified funds often do the job well, and specialized managers are used when they serve a specific purpose. Any added cost has to be justified by what it does for you.
Oversight, Not Overtrading
We monitor your allocation, holdings, and any outside managers, and rebalance when there's a clear reason. Taxes are weighed before changes are made, because a sensible trade can still cost more than it's worth. Sometimes the right decision is to stay the course.
For accounts held at Charles Schwab, your investments remain in your name, with account statements provided directly by Schwab, independently of RFG.
Curious about the cost of working together? Explore Our Fees →
Let's Talk About Your Financial Future
Whether you’re preparing for retirement, navigating an inheritance or business sale, or ready for professional help managing your investments, a conversation is a good place to start. In a complimentary introductory meeting, at our Toledo office or virtually, we’ll learn about your situation, answer your questions, and help you decide whether working together makes sense.