Financial consulting & advisory services
a full range of fee-only fiduciary financial services
An Independent Approach Built on Integrity
Our planning philosophy centers on objectivity, transparency, and putting your interests first—always. As an AIF® designee, we hold ourselves to the highest fiduciary standard. From personalized indexing strategies to values-based ESG investing, our approach is disciplined, data-driven, and built to serve your long-term goals.
AIF® Fiduciary Commitment
As an Accredited Investment Fiduciary® (AIF®), we are committed to a legal and ethical standard that puts your interests above all else. Every recommendation we make is based solely on what’s best for you.
- Client-First Philosophy – We act with undivided loyalty, free from commissions or product sales
- Accountability & Transparency – Your financial plan is built on clear, conflict-free advice.
- Expertise You Can Trust – AIF® designees are trained to uphold strict fiduciary practices at every step.
ESG Investing
Align your investments with what matters most to you. Our ESG portfolios integrate environmental, social, and governance factors while still aiming to deliver strong financial performance.
- Values-Aligned Portfolios – Invest in companies making a positive impact.
- Diversified & Disciplined – ESG investments tailored to your risk tolerance and goals.
- Ongoing Monitoring – We continuously evaluate ESG holdings to ensure alignment and performance.
Direct Indexing
Direct indexing gives you greater control over your investments by allowing you to own individual securities in a customized index. It combines personalization with the potential for improved tax efficiency.
- Personalized Exposure – Build a portfolio that reflects your goals and preferences.
- Tax-Loss Harvesting – Offset gains with strategic tax-loss selling opportunities.
- Fine-Tuned Control – Unlike traditional ETFs, direct indexing lets you adjust for sector exposure or ESG preferences.
Planning for Life’s Milestones
Whether you’re building wealth, preparing for retirement, or saving for your child’s education, we offer clear, strategic guidance tailored to your life goals. Our fiduciary approach puts your interests first—so you can make confident financial decisions at every stage of life.
Wealth Management
Your financial success starts with a plan. Our comprehensive wealth management services help individuals and families develop and maintain a structured financial roadmap that aligns with their long-term goals.
We evaluate your current financial standing, including assets, liabilities, income, and spending habits
A tailored financial plan that includes savings strategies, tax planning, and risk management.
We regularly review and adapt your plan as your circumstances and goals evolve
Retirement Planning
Planning for retirement is one of the most critical aspects of financial security. Our strategies ensure that you have the resources necessary to enjoy a comfortable retirement.
Maximizing benefits while reducing tax exposure to preserve wealth over time.
Structured strategies to creat sustainable income throughout retirement.
We help optimize your employer-sponsored and individual retirement accounts to maximize returns and minimize tax liabilities
529 College Savings Plans
Planning for your child’s education is a crucial investment in their future. We help families navigate the complexities of 529 College Savings Plans to ensure tax-efficient and flexible savings options.
Contributions grow tax-free when used for qualified education expenses
We analyze your eligibility for state tax deductions and credits as well as research out of state enrollment options.
Selecting appropriate portfolios aligned with your risk tolerance and time horizon.
Smart Financial Solutions for Small Business Owners
As an independent professional or practice owner, your business is personal—and so are your finances. We provide strategic financial guidance tailored to service providers like consultants, creatives, and private practitioners. From solo 401(k)s to tax-smart compensation and business continuity planning, we help you grow your income, protect your time, and plan for long-term financial freedom.
401(k) Planning for LLCs
For solo business owners and single-member LLCs, a customized 401(k) plan can be a powerful tool for building wealth and reducing tax liability. We guide you through plan setup, compliance, and strategic contributions to maximize long-term benefits.
Contributions reduce current taxable income and grow tax-free until retirement.
Solo 401(k)s allow greater annual savings than traditional IRAs or SEP plans
Aligns with your overall retirement, income, and business tax strategies.
Tax Optimization Strategies
Tax strategy is more than deductions—it’s about aligning your financial decisions with your long-term goals. We help business owners reduce tax burdens through personalized, forward-looking planning that integrates seamlessly with your broader financial picture.
Ensure your business is classified optimally to take advantage of tax efficiencies.
Strategize how and when to draw income to manage taxable events.
Ongoing support to adjust plans based on tax law changes and business growth.
Small Business Strategies
Self-employed business owners have complex needs that go beyond traditional planning, often requiring guidance on both personal and business finances. The work can be more demanding, but for advisors who enjoy that level of involvement, it’s one of the most rewarding and profitable client segments in the industry—a way to take on a deeper financial role for fewer clients.
Financial Clarity across borders
Living abroad brings exciting opportunities—and complex financial questions. We help U.S. citizens navigate international tax rules, compliance requirements, and cross-border investment challenges. Our planning is designed to minimize stress, optimize your global finances, and keep your long-term goals on track, no matter where you call home.
Cross-Border Financial Planning
Navigating international financial landscapes can be complex. We provide specialized financial planning for U.S. citizens living abroad and foreign nationals with U.S. financial interests.
We develop customized investment strategies that align with U.S. tax laws and financial regulations, ensuring tax efficiency and compliance for expatriates and foreign nationals.
We help expats structure retirement savings in a tax-advantaged manner; taking into account pension plans, social security eligibility, and dual-taxation risks across different countries.
We provide estate planning strategies that account for multi-jurisdicional tax laws, ensuring that wealth is transferred smoothly across borders.
Are you ready to live your best life?
At RDFP, we are committed to guiding you through every financial stage of life with customized, client focused strategies
