Investing – Right Decision Financial Planning – A Fee Only, Independent Fiduciary

Overview of Individual Retirement Accounts

Traditional IRA, Rollover IRA, Roth IRA, and more…

Not All investment advisors are fiduciaries

Broker Dealers, Banks and their Registered Representatives (RR) are not required to meet fiduciary standards. The RR can recommend investments that give him or her a bigger commission, even if there is a product that might be better for your situation. The SEC requires broker dealers to make “suitable” recommendations, as well as let you know if there are any conflicts of interest.

Next Generation Financial Planning

RDFP Advisors uses next generation financial and tax planning software along with years of real world experience to help you meet you financial goals!

Investment Policy Statement

Businessman showing an insurance policy to sign. Insurance agent consulting insurance to customer.

An Investment Policy Statement (IPS) is a written document that outlines important issues such as goals, policies and procedures, as agreed to by both advisor and client for the purpose of managing investments. An Investment Policy Statement should be used when a fiduciary relationship exists and is regularly cited as a best practice in modern wealth management.

Environmental, Social, and Governance (ESG) Criteria

Abstract Icelandic glacier rivers melting pattern in summer at highlands of Iceland

ESG investing stands for Environmental, Social, and Governance investing. It is an approach to investing that integrates these three key factors into the decision-making process to manage risk, generate sustainable returns, and have a positive impact on society and the environment.

Benefits of Direct Investing

Direct indexing is an investment strategy where individual stocks that make up an index, like the S&P 500, are held directly in your account, instead of using a mutual fund or an ETF like the SPY. Similar to an index fund, the goal is to track the performance of a target benchmark index. However, holding the underlying equities in an index directly confers benefits not available through mutual funds or ETFs.

Make the Right Decision for Your Financial Future

Financial planning is more than just numbers—it’s about securing your future, achieving your goals, and living the life you’ve always dreamed of. At Right Decision Financial Planning, we help individuals and families make smart financial choices that align with their aspirations.