About RCA

What we do and how we do it

At Retirement Capital Advisors, we are the chosen primary financial advisor for our clients.  We are their CFO and financial quarterback to help pursue their lifelong financial goals.  Our approach is one of partnership and long-term relationships. We do this through a fee-based professional asset management approach that strives to grow and protect clients' investment portfolios.  We work on fees because we believe this is truly the only way to align the goals of the investor with that of the advisor. In addition, we assist in the completion and oversight of a sound estate plan. This is an ongoing effort because we feel loved ones should be the beneficiaries of their life's work, not the government.  Lastly, we are vigilant to the effects of income taxes on our investors' assets and strive to minimize these negative effects.

Over the years, we have compiled significant expertise in managing the retirement transition.  Our strategic alliances with attorneys, accountants, and money managers help us solve the most complex financial situations.  We define our practice by the lives we touch and the goals our clients attain.

Strengths of our program

You will be working toward a fully integrated, long-term plan. The program seeks to meet your needs into retirement and beyond. Most importantly, you are working with a specialist firm whose sole focus is on retirees, not a generalist who is a "jack of all trades."

You will be working with a fee-based professional whose compensation is dependent solely upon your investment success. As you prosper, so do we. Conversely, as you suffer, so do we. We will be working only for you and all fees and expenses are always fully disclosed so you never have to wonder, "what does it cost and what am I getting?" We hope you will be confident in the knowledge that we owe nothing to anyone but our clients.

Your money will be managed using a common-sense approach in the same fashion as the largest institutional plans and pension funds. To accomplish this, we use only professional institutional and high-net-worth management programs. We employ a number of such investment managers and are free to use any and all to meet our individual client needs. These managers and programs are exclusive to high-net-worth clients and strive to blend a low-cost structure with a high-performance portfolio.

Everything we do will be documented in writing. As we work together, we aim to demystify the financial process and maintain a structure to educate you through quarterly reviews and face-to-face meetings. With the passing of time, we hope that your knowledge level (and comfort level) will increase.

Beliefs

Our primary responsibility is to help our clients achieve their long-term goals. Our job is to help them do what's right. We know that in most cases, "doing what is right" is not doing "what is easy".  If accumulating wealth were easy, everyone would be financially secure. Since most Americans fall woefully short, we know that it is difficult for people to reach this level on their own.

Over time, we will be called on to exhibit determination, guts, and the ability to stand apart from the crowd. Our focus will be away from the daily investment hype and hoopla created by the masses. Instead, a longer-term view, with injections of pragmatism and realism will be in order. We choose diversification over-concentrated investment "bets" … tax efficiency overactive trading … investment fundamentals over investment fads … and flexibility over a once-and-done-plan.

Ours is a lifelong task that may require an evolving plan or strategy. To ensure this, we need to build the plan and set the goals upfront. This is critical, since, as a great man once said, "you cannot hit a target you do not have."  Over the years, we will be taunted by the two primary human emotions of greed and fear. Our task is to help our clients walk this tightrope by staying grounded in the basics.

Our clients represent the top 10 percent of American households in terms of demographic wealth. Because this group is special, specific emphasis and expertise are called for.  We are committed to helping this group manage and preserve their wealth for life, as well as for future generations. This is a sacred trust, since their hopes and fears are as important to them as ours are to us. We will never forget that we are managing people's life savings.