| Advisor Profile |
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Business Description |
RTJ Financial Management is a fee-only financial planning firm. Established in 2000, we service all of Southern California. We believe in taking a holistic approach to our clients financial picture.
For individuals our process begins with the question "What's important about money to you?" Once we've identified what's really important about money to YOU, we can better guide you over time. After we understand the importance of money, we guide you through the process of establishing your financial goals with specific dates and dollar amounts. From that, we develop you unique plan to achieve your goals.
Our philosophy of portfolio management is one of asset allocation with regular rebalancing. If you're looking for active trading, we're not for you.
For our 401(k) clients, we pride ourselves on outservicing the competition, with quarterly employees meetings and flexible plans to meet your needs. |
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General Information |
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| Years of Experience in Financial Services: |
16
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| Number of Years with Current Firm: |
4
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| I work with the following types of clients: |
Individual Investors, Businesses, Non-Profit Organizations
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Education |
| Academic Background |
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| BA, Business Economics - University of California, Santa Barbara (1989) |
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Services |
| Investment Types: |
Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Bonds, Stocks, Annuities
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Chartered Property Casualty Underwriter (CPCU)
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| Securities Licenses: |
Series 65
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| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| Firm's Number of Clients: |
30
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| Assets Managed by Firm: |
$10,000,000
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| Advisor's Number of Clients: |
30
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| Assets Managed by Advisor: |
$10,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Based on Assets, Hourly, Flat Fee
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| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
We also work on a flat-fee retainer based on 1/2 of 1% of the client's net worth.
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| Minimum Fee Charged for Managed Accounts: |
$1,000
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| Minimum Fee Charged for Flat Fee Accounts: |
$2,500
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| Prepared By: |
Rob Jupille |
| Most Recent Update: |
09/22/2008 |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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If you are not completely satisfied with the work we do on an hourly project, we will refund 100% of your fee. |
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What are your qualifications? What is your education background? |
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I have been in the insurance and financial services field since graduating college in 1989 |
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What is your approach to financial planning? |
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We take a holistic approach to financial planning, ensuring that all areas of the financial plan, from investments, to cash flow, insurance, taxes and estate planning work in conjunction to help you achieve your financial goals. |
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What services do you offer? |
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We offer comprehensive financial planning, investment management, 401(k) plans and individual retirement plans. |
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How many clients do you currently manage? |
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We currently manage 30 clients. |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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We are strictly fee-only. Depending on the clients' needs, we are compensated hourly, on a percentage of assets managed or a flat annual retainer. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Yes. We only make account changes with your explicit permission. |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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Risk tolerance is a completely individual thing based on your personality, your age and your time frame. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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We provide overall financial planning for individuals and small businesses. Our specialties are creative people in the entertainment business and newly divorced women. |
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What is your experience? How many clients do you currently manage? |
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I have 17 years in insurance and financial services in a number of capacities. We currently manage 30 clients. |
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What financial institution(s) do you represent? |
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We are an independent firm so we don't represent any particular financial institution, however we do use Fidelity for our clearing and custody. |
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How do you charge for your services? |
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We charge in a number of ways. For a project/analysis we charge an hourly rate of $210 per hour. If we are strictly managing a portfolio our fees are generally 1% of the assets managed. |
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Do you provide a free initial consultation? |
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Yes, we provide a free one-hour consultation. |
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Why should I choose you as my financial advisor? |
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You should choose me because I bring a broad experience in financial services, not just the investment side. In addition, as a fee-only planner, we accept NO commissions for the recommendation of products, so you our advice is objective and strictly in your best interest. |
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What are your management fees? |
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Generally, our fees are .25% per year of the amount in the plan. It will scale down as the plan size increases. |
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What kind of plans do you specialize in? |
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We specialize in small to medium sized plans where the owners are involved in the process. |
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Do you have a minimum requirement for number of employees or total investment value? |
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We don't have a minimum number of employees, however our minimum plan size is $500,000. |
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What type of plans do you offer? |
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We offer profit sharing plans, 401(k) plans, defined benefit plans and most other qualified plan types. |
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Do you offer any additional services? |
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We offer a quarterly group presentation for your employees. This can range from 'Investment 101' to asset allocation and whatever topic you'd like. |
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What are your qualifications? |
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I have been assisting people who are retiring or changing careers for the last 8 years. I also have taken training from Ed Slott, a noted IRA expert. |
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What is your approach to 401 K plan rollovers? |
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Our approach is to make the transition as smooth as possible while keeping the costs to the client at a minimum. We also understand that there are times when keeping money in the old plan makes sense so our job, as a fiduciary, is to do what's best for the client, not our bottom line. |
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How long does the process of rolling over a 401K plan usually take? |
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The process depends on how quickly your plan sponsor reacts. Generally speaking, it takes less than 30 days. |
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What financial institutions do you represent? |
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We are independent so do not exclusively represent any single institution. We do, however, use Fidelity as for our clearing and custody. |
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How many years of experience do you have? |
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17 years in financial services, 8 years in 401(k) rollovers. |
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What are your fees for this service? |
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If we will be managing the portfolio, there is no charge to transact the rollover. If you are merely asking us to move the money into an IRA, there is a fee based on the expected amount of time. |
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How many 401K rollover clients do you currently manage? |
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We currently manage about 20 rollover clients. |
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Why should I roll over my 401K plan to your firm? |
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We are a boutique firm that believes in working with a limited number of quality clients. By rolling over your 401(k) you will not have the flexibility to invest your funds more effectively and efficiently. In addition, if we manage the money, we will monitor your portfolio to ensure your asset allocation stays in balance, increasing your return and reducing your volatility. |
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Do you provide a free initial consultation? |
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