|Services and Fees
Financial Planning – We have the experience and tools to help each client meet their financial goals. This help includes maximizing investment returns, reducing long-and short-term risks, and providing expert advice on their tax, insurance,
college and estate planning needs.
Mid-Career Planning – We help clients with 15 or more years in the workforce to make the right financial and investment decisions, including developing debt reduction strategies, determining disability and life insurance needs, selecting college
savings plans, and projecting future retirement income needs.
Investment Advice and Asset Allocation for Commercial and/or Federal Employee Benefit Plans – Getting the most from benefit plan choices is not as cut-and-dried as many people think. We'll help you to structure and evaluate your investment
options according to your financial goals and level of risk tolerance.
College Financing – From 529 Plans and Coverdell Accounts to custodial accounts, bonds, and no-load mutual funds, we can help you select the best approach to provide the vital higher education that your children or grandchildren will require.
Our comprehensive services also include:
- Comprehensive financial planning/ retirement planning and investment management
- Investment research and asset management
- Investor education
- Portfolio design, implementation, continuous supervision and monitoring
- Disciplined strategies to rebalance the investment mix to target allocations
- Comprehensive quarterly performance reporting and review
- Year-end statements for tax reporting
- High quality personal service and communication
- Estimates of Federal Annuity Benefits for Federal Employees
We offer financial planning and investment advice services as part of a comprehensive Assets Under Management (AUM) business structure. Fees for financial planning and other planning services are charged in four quarterly fee assessments. Charges are based
on a declining rate based on the amount of investable assets under their annual management. Annual fees are lowered as more assets are taken under management and accumulated in the client's accounts. This service appeals to investors who want to reduce the
day-to-day concerns of managing investments themselves and who want an adviser on call to help them analyze and implement financial planning strategies and decisions
As fee-only advisers we are dedicated to serving investors seeking disciplined consistent, long-term growth of assets and comprehensive financial planning. Fee-Only® financial advisers are compensated solely by their clients. We do not receive commissions
from the sale of any products or services, nor do we receive any referral fees.
Our minimum annual fee is $5000. This fee will increase in relation to the sum of investable dollars for which the client requests services.
Equity and Balanced Portfolios
1.00% per year of assets up to $1 million
0.75% per year of assets from $1 million to $2 million
0.50% per year of assets above $2 million
We begin a relationship with a personal meeting to determine your financial planning and investment goals.
We review all costs and services in advance of any engagement and provide a copy of our disclosure brochure, SEC Form ADV, Part II.
RPS and ClearLogic Financial are members of the National Association of Personal Financial Advisors (NAPFA) and the Financial Planning Association (FPA) and are both Registered Investment Advisors. (Read
the NAPFA Fiduciary Oath.)
Updates & Commentary
"Grandparents Can Help Bridge the College Cost Gap," "Tax Tips for the Self-Employed" and other articles. (January 27, 2017)
2017 Key Numbers
(January 2, 2017)
Saving and Investing Wisely, Building on Your Foundation, Types of Investments: Bonds, Types of Investments: Cash, Investing Through Mutual Funds and ETFs, and Asset Allocation
Should You Pay Off Debt or Save For Retirement?
(For over 50 educational videos, visit the
Videos and Multimedia page.)
November Is National Family Caregivers Month
Retirement Planning Services has prepared the following educational materials to help clients understand the significance of caregiving in general and the importance of planning for long-term care. (Oct. 30, 2015)
Caring for Your Aging Parents
When Your Child Has Special Needs
The Sandwich Generation: Juggling Family Responsibilities
Five Questions about Long-Term Care
Life Insurance Riders that Pay for Long-Term Care
Grandparents race to the rescue of college funds
Gay couples weigh financial options that accompany marriage
Jerry Cannizzaro on how grandparents are helping with their grandkids' college education (Reuters, May 19, 2014)
Jerry Cannizzaro on how federal benefits can impact financial planning (Washington Post, Oct. 18, 2013)