RGF Integrated Wealth Management provides independent advice designed to help you achieve your financial and lifestyle goals through a planning-based approach. We focus on areas including retirement planning, debt management, estate planning, education funding and risk management.
We believe in complete transparency regarding compensation and costs. We will always work towards your best interests.
As providers of financial advice, portfolio management and various financial and insurance products, we are compensated in a variety of ways:
Investment management fee – based on assets under our management in a specified fee program:
Fee for service – a flat or hourly financial planning fee
Commission – typically embedded in investment and insurance products or paid when a financial security, such as a stock or bond, is purchased or sold
Your investment portfolios are designed to meet your specific objectives and reflect your personal values, needs and tax situation. Advised accounts are non-discretionary, which means you are responsible for providing instructions and approval for all buy and sell transactions to your advisor.
In advised accounts, we do not receive any compensation from product providers. This allows for the use of lower-cost investments and results in fully independent and unbiased advice.
Advisory fees are charged monthly to your advised accounts. They are calculated based on the total value of assets held in your advised accounts and tiered as outlined below. Assets held outside of advised accounts will have a separate fee schedule applied.
| Up to $250,000 | 1.35% |
| From $250,001 - $1,000,000 | 1.15% |
| From $1,000,001 - $2,000,000 | 1.00% |
| From $2,000,001 - $3,000,000 | 0.75% |
| From $3,000,001 - $5,000,000 | 0.50% |
| From $5,000,001 - $10,000,000 | 0.40% |
| From $10,000,001 and above | 0.40% |
Our customized account management program combines consistent investment discipline with tax-effective strategies. Managed accounts are governed by your Investment Policy Statement (IPS) - a written document outlining your financial objectives (growth, income) and risk tolerance. Regular reporting includes performance, asset mix, and measurement to a relevant benchmark. Accounts and owners may be grouped together for the purpose of consolidated account management.
This approach to planning adds a layer of convenience to a portfolio which is designed to meet your individual needs, risk tolerance, and values. Managed accounts are rebalanced by the Portfolio Manager, based on your IPS. This maintains investment discipline; saving you time and ensuring your account is optimized to meet your objectives.
In managed accounts, we do not receive any compensation from product providers. This allows for the use of lower-cost investments and results in fully independent and unbiased advice.
Managed accounts are not offered by all advisors, and are not appropriate for all clients. Please contact us for additional information.
Management fees are charged monthly to your managed accounts. They are calculated based on the total value of assets held in your managed accounts and tiered as outlined below. Assets held outside of managed accounts will have a separate fee schedule applied.
From $0 - $250,000 1.25% From $250,001 - $1,000,000 1.00% From $1,000,001 - $2,000,000 0.75% From $2,000,001 - $3,000,000 0.50% From $3,000,001 - $5,000,000 0.50% $5,000,001 and above 0.40%Additional costs: Additional costs are charged to cover operating and custody costs.
