Right Decision Financial Planning (RD)

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We have been providing clients with independent fiduciary investment services since 2002. 

We are here to help you

MAKE THE RIGHT DECISIONS IN YOUR FINANCIAL LIFE NOW

SO YOU CAN LIVE YOUR BEST LIFE™

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When it comes to retirement planning, investing

and managing your money;

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About Right Decision Financial Planning

We are?

A Fee Only, Independent, Fiduciary

Right Decision Financial Planning is the retail web presence for MVM Advisors LLC, a Texas-based Registered Investment Adviser (RIA). As an RIA, we are held to the highest standard of client care – a fiduciary standard. As a fiduciary, by law, we must always put our client’s interests first and must fully disclose any potential conflict of interest.

We are not?

Brokers or Registered Representatives

No matter what they call themselves, Stockbroker, Broker (Registered Representative), Investment Advisor, they are not fiduciaries!  The SEC requires these type of advisors to make “appropriate” recommendations and they are required to make you aware of some conflict of interest. To make things even more complicated, many advisors and brokers are dual registered, they are both brokers and RIAs. They are not required to disclose to the client if they are acting as a RIA or a Broker. So it is up to YOU TO ASK!

We are not?

Custodians

We do not directly hold customer funds or securities, the client’s assets are held at their chosen custodian. The custodian is responsible for maintaining the client’s accounts, executing transactions and providing client reporting.

What we do?

We provide investment advisory and financial planning services to our clients. We structure prudent fiduciary processes around planning and investment management. Our relationship with you is guided by two documents:

• Financial Plan — A living plan, which changes as your life and goals change
• Investment Policy Statement (IPS) — Investment “Play Book”, a document detailing time horizon, tax policy, liquidity needs, investment constraints, risk tolerance, asset allocation, performance criteria and the duties and responsibilities of both YOU the client and US the advisor.

We monitor the IPS and plan developments on an ongoing basis. We will meet with you, at least, annually to discuss your financial progress.

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What does it cost to invest?

When trying to determine the Total Cost of Investing (TCI), you need to look at each piece of the investment puzzle.

To calculate your TCI, you need to include the fees and expenses of each:

Custodian Fees + Investments Fees + Advisor Fees = Your TCI

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See what your TCI and Performance might be with RD

Below are a few samples of Right Decision Target allocations, click on the Allocation to get the underlying Portfolios’ Hypothetical Performance and Cost report. See what the cost and performance of $10,000 might have been, if you had a commission free account managed by Right Decision Financial Planning.

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You can start working with RD NOW

RD works with most major custodians, providing our clients with the ability to custody their assets at a custodian, or any combination of custodians, they choose.  Each individual custodian offers unique pricing structures, resources, and products.  Because we are always looking for cutting edge technology and ways to reduce clients’ expenses, most of our clients’ assets are held with Interactive Brokers Group (IB).

Why IB?

• IB is constantly ranked as one of the lowest cost brokers in the industry — For more info on IB’s rankings click here
• With IB Lite accounts our clients get unlimited commission free trades for US listed stocks and ETF’s, no account minimums or inactivity fees.
• With IB Pro accounts our clients with larger account balances get low cost commission on trades and one of the highest interest rates paid on cash held in their accounts.
• Client accounts held at IB allow RD to trade in Fractional shares, allowing us to put more of your money to work for you.

RD DOES NOT ACCEPT COMPENSATION from any custodian.

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You’re ready to get started with RD using IB!

Lets get the ball rolling, You Must use one of the links below to open your IB account or you can transfer trading authorization of your existing IB account to RD (call us to make this happen):

1. You need to select an IBKR PRO or IBKR LITE account, call us with questions or click here for more info:
   • Open an IBKR LITE Account Here
   • Open an IBKR PRO Account Here
2. Enter your info (Goals, Needs, Wants, the more info the better) into our Financial Planning Software here
3. Setup a video call/meeting with us here
4. After the call and a review of your financial plan we will send you a copy of our Investment Advisory Agreement for you to digitally sign.
5. Once you have received back our completed Investment Advisory Agreement, you can Fund your account — You can fund your account in several ways:
   1. By sending a check to IB
   2. By sending cash via a Wire or ACH Transfer from your bank or broker to IB
   3. By transferring your current holding “in kind,” you simply move your investments to us “as is.” There’s no selling or buying involved and no tax consequences either. RD receives your investments at the market value on the date of the transfer. An in-kind transfer is one of the quickest and easiest ways to move an account (stocks, ETFs, Funds and the like) from your existing custodian to your new accounts at IB electronically via ACATS, DTC or FOB (rollover).
6. We will have our RIGHT DECISION meeting to review our findings and your go forward plan, target investment allocation, risk tolerance and the like. This meeting typically take 1.5 to 3.5 hours. (between the intro call (Step #3) and this call we will have many quick calls or emails to answer questions that will come up in our planning process). NOW you will be able to START LIVING YOUR BEST LIFE.
7. Within 90 days of you signing our Investment Advisory Agreement we will send you your IPS and have a meeting to review and accept.

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You don’t want to use IB

Give us a call to discuss your thoughts on why you want to stay with your custodian and we can put a plan together. Until then, you can get started with our planning process:

1. Enter your info (Goals, Needs, Wants, the more info the better) into our Financial Planning Software here
2. Setup a video call/meeting with us here
3. After the call and a detailed review of your current financial life we will send you a copy of our Investment Advisory Agreement for you to digitally sign.
4. You grant RD trading authorization over your existing account
5. We will have our RIGHT DECISION meeting to review our findings and your go forward plan, target investment allocation, risk tolerance and the like. This meeting typically take 1.5 to 3.5 hours. (between the intro call (Step #3) and this call we will have many quick calls or emails to answer questions that will come up in our planning process). NOW you will be able to START LIVING YOUR BEST LIFE.
6. Within 90 days of you signing our Investment Advisory Agreement we will send you your IPS and have a meeting to review and accept.

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