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ADVISORY SERVICES & PORTFOLIO DESIGN
Your investments should serve your plan.
Not the other way around.
Advisory services at RFC are built on top of your financial plan — so every portfolio decision reinforces your objectives, your timelines, and the life you are building.
Advisory Accounts With Intention

Many advisors build a portfolio and then explain why it makes sense. At RFC, the sequence is different. Your plan comes first. Your portfolio is designed to serve it.

Your investment strategy is not built from a model or a template. It is built from your goals, your timelines, your responsibilities, and the decisions your plan has already identified as most important.

Your plan informs the strategy. Your goals anchor the design. Your life drives the adjustments.
Planning comes before portfolio construction.
Every allocation decision is in accordance with your plan — not against a benchmark or a market view. It just makes sense.
Advisory accounts follow the plan. They do not lead it.
Your investments exist to serve specific objectives. When those shift, the strategy shifts with them.
Coordination is built in — not added on.
Your advisory service strategy works alongside your income plan, tax position, benefits, and protection. Nothing operates in isolation.
How We Build Your Portfolio

Five steps. Each one grounded in your plan — not in market timing or product selection.

  1. Risk and goals profile
    We define your preferences, boundaries, timelines, and desired outcomes — before any investment recommendation is made.
  2. Proposal before IPS
    You review the recommended allocation before we formalize the Investment Policy Statement. You understand what we are doing and why before anything is executed.
  3. Investment policy and platform selection
    We choose the appropriate advisory platform and establish the guidelines that will govern your portfolio going forward.
  4. Tax-aware implementation
    Thoughtful execution considering your tax position, timeline, and plan's priorities.
  5. Ongoing monitoring and adjustment
    Reviews, rebalancing, and adjustments tied to your planning needs — not to market noise or performance anxiety.
Research Behind Every Recommendation
LPL Research · CFA® charterholders
Your portfolio benefits from institutional-level economic analysis, asset allocation guidance, and due diligence — delivered through RFC's planning-led lens.
CFP® Professionals
Our planning team, in collaboration with LPL Financial, supports the technical rigor behind every portfolio decision — modeling, scenario analysis, and plan architecture.
Coordinated across your financial life
Your advisory strategy works in harmony with every other dimension of your financial plan.
  • Your Financial Plan — the foundation every allocation decision serves
  • Income and Eetirement Strategy — distributions and sequencing
  • Tax-Aware Decisions — your full tax picture
  • Benefits and Medicare — IRMAA, FSA, coverage coordination
  • Risk Management — insurance aligned with planning priorities

Your plan comes first. Your portfolio serves it.
Let's build both.

Start Your Plan
Schedule a diagnostic conversation