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Gold Medal Service Program

  • Risk tolerance analysis
  • Reviewing your investments and designing a personalized portfolio appropriate to your needs
  • Year-long, continual monitoring of your portfolio
  • Quarterly meetings to review and evaluate your investments, update your overall financial objectives, and if necessary, reallocate your portfolio as agreed upon during the review or according to your updated risk tolerance parameters
  • Independent advice-we derive no incentive for recommending certain investments
  • Recommendations regarding positioning of funds within your employer provided retirement plans, such as 401ks

Asset allocation and diversification do not ensure a profit or protect against a loss

  • Analysis of your current income needs and retirement income needs.
  • Review and recommendations regarding timing of Social Security benefits.
  • Continual development and implementation of recommendations to fund your income needs.
  • Recommendations regarding the best distribution strategy from all of your assets, including deferred annuities, employer retirement plans, investment accounts and IRAs.
  • Beneficiary planning in order to establish IRAs that can continue your IRA (and tax deferral) for years after your death.
  • Use of demographic research to project possible future planning scenarios.
  • Tax diversification analysis.
  • Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies.
  • Quarterly review of your tax situation and planning to incorporate any new tax law changes.
  • Free consultation with your tax preparer.
  • Recommendations of tax solutions including tax-advantaged investments.
  • Monitoring of new tax law and how it may affect your financial situation.

As Financial Advisors of RJFS we are not qualified to render advice on tax or legal matters, you should discuss any tax or legal matters with the appropriate professional.

  • Analysis of your current estate plan and concerns.
  • Free consultation with your attorney.
  • Assistance in transferring of assets to trusts.
  • Guidance in the death of a loved one.
  • Recommendations for creating a financial legacy for future generations of your family.
  • Quarterly newsletter to keep you constantly apprised of happenings in the financial world.
  • Quarterly reviews.
  • Special reports on timely and important financial topics.
  • Special client appreciation events (you may bring up to two guests).
  • Client update sessions to discuss timely topics or educate on various financial issues.

The service you deserve, but don’t demand from your current advisor!