Rugh Financial provides comprehensive services that can be catered to the unique situation and needs of the individual client. Services are provided in the following areas:
Financial Planning - Our financial planning process is establishing an advisor-client relationship, identifying your goals and dreams, analyzing and evaluating your situation, developing the most appropriate planning recommendations to meet your goals, implementing the recommendations, and monitoring the plan to keep you on track.
Investment Management - We offer investment management solutions based on your risk tolerance, time horizon, preferences, and need to take risk (based on your goals). We design a customized portfolio to achieve your goals, using a sound, academically proven investment philosophy. An investment policy statement (IPS) governs the ongoing management of your portfolio.
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Retirement Planning "Financial Independence" - Your goals, current situation, and other factors will be analyzed and a realistic projection will be developed. You will learn what adjustments may be needed to become financially independent or remain so. It is much more common than not that individuals have no idea if they are on track to meeting their retirement needs. The knowledge of where you are and what you need to do to achieve your financial independence is very powerful.
Risk Management - Risk management is an essential part of any sound financial plan. That said, insurance should only be used to the degree necessary to achieve ones financial goals. Your life, health, disability, property, liability and other insurance will be evaluated to identify any gaps in your protection.
Tax Planning - Taxes are always a consideration in all steps of the financial planning process. Wherever possible, tax reduction will be used to assist in the growth of personal assets. But, it is essential to reduce taxes in an efficient manner. Many tax reduction strategies ultimately are costly and adversely affect the ultimate goal of growing assets. This is why Rugh Financial believes that all tax saving strategies should be reviewed within the context of the unique financial plan.
Estate Planning - The aim in estate planning is to ensure your wishes are respected concerning the distribution of your assets, the guardianship of minor children, etc., with the least possible cost and court intervention. We can assist in the process of working with an estate planning attorney to create an estate plan that is part of your overall financial plan.
Special situations - concerns such as education funding, home purchase analysis, retirement plan distributions, divorce, death of a spouse, starting a business, etc. are addressed.
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