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.