We guide individuals and business owners in all areas of financial management. This includes asset protection, tax-efficient wealth accumulation, employee benefits, income planning, and estate and gift planning.
Comprehensive Financial Planning
At Rivertan Financial Group, we believe the key to a successful financial plan is through a coordinated team approach. Utilizing today's technology, RFG's eWealth management system can consolidate and track your assets on a daily basis and share this information with your trusted advisors. By knowing what you own and where your assets are located, your team of trusted advisors—CPAs, attorneys, and others—can collaborate to create a wealth management strategy that integrates every aspect of your financial life. Below is RFG’s seven step holistic planning approach:
- Establishing Goals
- Creating a Road Map
- Coordination of Advisors
- Presentation Solutions
- Ongoing Meetings
Our portfolios are designed as a complement to our clients’ overall financial plans. Whether our clients are seeking portfolio growth or preservation, we provide guidance to ensure that they invest according to their personal goals and risk tolerance.
We understand personal and market conditions change. Through ongoing communications and face-to-face meetings, we will make tactical adjustments to keep your portfolios aligned with these changes.
Our affiliation with Triad Advisors, Inc., a registered broker-dealer, further strengthens our due diligence process and enables us to provide an investment platform that is designed to meet our clients’ unique objectives of wealth accumulation, tax management, income distribution, or preservation. We believe in active asset management and the following solutions may be included in your portfolio:
- Multi-manager, multi-style, multi-asset class
- Real Estate Investment Trusts (REITs)
- Alternative Asset Classes
- Income Generation Asset Management
- Tax Efficient Management
Planning for unexpected life changing events is a crucial, yet often overlooked, component of one's financial planning. Managing for these risks can ensure the protection of your family's lifestyle and preservation of your wealth.
RFG focuses solely on delivering unbiased risk management solutions to our clients. We are not affiliated with any insurance carrier, which enables us to focus on helping our clients implement the right insurance program that fits their long-term objectives with the best products and the most competitive rates.
- Life Insurance
- Disability Insurance
- Long-Term Care
Employer Sponsored Retirement Plans
RFG has the experience to help business owners construct retirement plans that are tailored to the needs of the business owner and employees, while providing guidance and superior investment performance. We have a strong focus on plan design, fiduciary liability, and employee education.
- SIMPLE and SEP IRAs
- 401(k) / Profit Sharing Plans
- Traditional & Cash Balance Defined Benefit Plans
Every plan sponsor has unique goals and objectives. The RFG team works closely with plan trustees and third party administrators to design retirement plans that are efficient. Our process is consultative; we provide investment analysis, vendor fee benchmarking, and employee communications. Our process-driven solutions help protect employers from corporate and personal financial liability, while increasing investment opportunities and improving overall plan value.
Through our relationship with Cedar Risk Management, a full service independent agency, we can help small business owners provide their employees with best-in-class HR solutions. Our process-driven approach helps employers identify inefficiencies in their current benefits programs, while improving overall value to the employees.
- Dental & Vision
- Group Short-Term and Long-Term Disability
- Voluntary Benefits
- Property and Casualty