"...My primary purpose is to help my client's reach their goals... I want to earn their trust..."

"Fee-Only"

A fee-only financial adviser is solely compensated from fees paid by the client.

"Fee-Based"

Fee-based advisors accept both fees and commissions from investment and insurance related products as compensation.

Commissions present an inherent conflict-of-interest, especially for advisors who derive most of their income from the sale of investment and insurance related products.

If an advisor stands to gain financially from products that he/she recommends to clients, then we believe there is a significant conflict-of-interest.

Often clients are directed toward higher-priced products that are often unsuitable, and not toward similar products that can be found for much lower prices.

Someone who is managing the assets of another person and stands in a special relationship of trust, confidence, and/or legal responsibility.  This is a high standard applied to trustees.

"...Financial planning and investment management is an ongoing process.   As your life changes, you want a financial plan that reflects those changes..."

"...I believe, strongly, in measuring plan-progress and have developed a results-oriented methodology..."

The "Library of Articles" is normally only available to clients inside the client area.

If you're not a client, but would still like to peruse the client area, read articles, white papers, and learn more about RMI, please contact us to request a user-id and password for the client area.

What about Asset Preservation?

"...Areas for analysis should include not only personal assets, but also business interests; How to mitigate catastrophic loss due to long-term care; property losses, or liability issues, developing an appropriate level of life insurance that is cost-effective and efficient..."

Reduced Fee Structure?

"...As part of our values and philosophy, RMI offers a reduced fee structure for all non-profit clientele.   We understand the difficulty and the pressure to raise capital in the non-profit world and this is our way of helping these vital institutions..."

What is an "Investment Policy Statement?"

"...(IPS) Written policies are instruments routinely used for institutional clients.

I believe the same policies should be written for individual accounts.

An IPS is a road-map that defines objectives, the expected returns over time, the variability of those returns, time horizons, asset allocation percentages and limitations imposed on investment managers.   It also defines the monitoring process and the benchmarks for gauging success or deviation from objectives.

These are working documents that can change over time, just as a client's needs, objectives and economic conditions change over time..."