Our Commitment to Excellence

A Higher Bar

Here are three examples that show the differences between the current suitability standards for brokers and the stricter fiduciary standard for registered investment advisors.

 

Registered Investment Advisers

Advisers should disclose how much they're getting paid to sell one fund over another. They must offer investments in clients' best interest.

Advisers should provide information to the client about their fees and background, including disciplinary actions.

Advisers are generally prohibited from using testimonials from clients, celebrities or sports figures in their advertising.

Brokers

Brokers recommend suitable funds. They generally aren't required to tell you if they stand to gain personally

Brokers generally aren't required to proactively disclose past disciplinary actions to clients.

Brokers aren't subject to such a prohibition, although rules givern their advertising practices.

Your Interests First

The Registered Investment Advisor (RIA) model is an attractive model for clients as it presents a win-win scenario where the client’s best interests are paramount. There are no inherent conflicts of interest. The success of the client is our success.

We operate under two main principles: suitability and client’s interest first.

Rittman Capital Management uses a separate account approach as each portfolio is personalized based upon the client's identified goals and interests. We do not believe in the one-size-fits-all categorization approach that dominates the industry.

No Hidden Cost or Expenses…..we charge a management fee comprised of a percentage of assets held for a client. This serves to align the best interests of the client, as the advisor cannot make any more money on the account unless the client increases his or her asset base. Clients pay Schwab low cost transaction expenses, but the combination of our competitive fee structure, low transaction costs and minimal portfolio turnover provides an environment where our clients are able to preserve their capital for long-term appreciation and growth.

Today, many advisor firms say they are fee-only, but there are a few that totally pass this test. Commissions, 12b-1 fees, incentives and revenue-sharing arrangements with third parties can be complex and not always fairly disclosed. Often, banks and brokerage houses promote proprietary funds and other products. Rittmann Capital Management has no affiliations or financial arrangements with third parties that might distort our objectivity or present conflicts of interest.

 

401(k) Rollover to IRA

Rittmann Capital Management makes rolling over an old retirement savings plan from a former employer easy for you.

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