What I Do

  • Comprehensive financial planning

  • Budgeting and debt planning

  • Investment and portfolio management

  • Retirement transitioning

  • Tax planning

  • Estate planning

  • Address specific financial questions

  • Financial check-ups and reviews

  • Second opinions on investments

  • Clarify the financial confusion

Why RWW?

  • Independent financial advisor

  • Certified Financial Planner™ (CFP®)

  • Fee-only (no commissions)

  • Fiduciary duty (working for your interests first)

 

 

““If you fail to plan, you are planning to fail.””
— Benjamin Franklin

 

 

 

Without a clearly defined plan and set of goals and objectives,we tend to move forward with no clear road map as to where we are heading.

But, it is never too late to begin to plan.

A financial plan will help you with the following:

  1. Allow you to better anticipate and prepare for change.  

  2. Dramatically improve your probability of success.

  3. Set a benchmark to assess progress and performance.

How We Start:

Like any successful partnership, we will begin with a simple conversation to find out what your questions and needs are.
 
Then, we will determine the scope of the engagement:  from answering some questions to putting together a comprehensive, personalized financial plan, with specific recommendations and strategies for you to implement.

Long-term Relationships:

To serve you well, RWW will strive to build a long-term, continuing relationship that is personal, responsive, and professional.  

Periodic reviews will be conducted, along with continuous investment portfolio management to help you stay on course.

SERVICE MODELS

There are three different models to choose from:
Level 1:  Assets Under Management Model:  

  • In this model, the annual fee is based on a percentage of investment assets under management.

  • This model includes "comprehensive financial planning services" (see Services tab).

  • And, also, it includes "investment and portfolio management" (see "investing" sub-tab). 

  • Fees are payable on a quarterly basis at the beginning of each quarter.  

  • The minimum annual fee for comprehensive financial planning and investment management is $1,000.

 

 


Level 2:  The equivalent to a Retainer Model:  

  • This model can include "comprehensive financial planning services."

  • It also allows access to me during normal business hours for questions and discussions, primarily, by phone and email.  

  • In this model, clients will monitor and manage their own investment portfolios.

  • The annual fee starts at $1,000 per year, and is based on the assets and complexity of the client’s situation, plus the scope of services to be provided.   We will agree on the fee before any action is taken.

 

 


Level 3:  An Hourly Model:

  • This model usually is used for targeted and specific issues only.

  • The fee will be based upon actual hours of engagement, including time for preparation and for any research/analysis required.  

  • The hourly rate for this service will be $200 per hour.


If you are interested in one of these services, please call or email me to discuss a date and time that will be convenient for you.

____________________________________________________________________________________________________________

ABOUT RICHARD WHITTON, CPA, MBA, ChFC, CFP®

 

 

Credentials
CPA:  Earned with KPMG
MBA: Claremont Graduate University
ChFC:Chartered Financial Consultant
CFP:  Certified Financial Planner(tm)
 

Contact Me
 

I appreciate your interest in RWW Financial Consulting.


To find out if I can be of service to you and your family,
please contact me for a
COMPLIMENTARY, 
NO-OBLIGATION CONSULTATION

 

You can contact me as follows:                      

Office: 971-228-8082                                                            
Cell: 503-477-2816

Email: whitton.richard@gmail.com