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Securities and Investment Advisory Services are offered through Investment Professionals, Inc. (IPI), a Broker/Dealer – Member FINRA/SIPC & a Registered Investment Adviser

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You have worked hard for what you have and deserve to have the future you want. Your financial future depends largely on decisions you make today. When you take the time to build a financial plan you are taking the first step toward achieving your goals and we will be there with you every step of the way.


Developing an investment plan requires you to quantify your goals and could greatly improve your chances of achieving a secure retirement. This could help maximize the chances of meeting the objectives in your financial plan and help realize your financial goals.

Regardless of the state of your current financial picture, it’s always a good idea to review your financial plan, understand how it relates to your financial goals and be aware of the options available that may help your financial well-being.


Having the support and knowledge of a Financial Consultant may improve your chances of having a more secure future for you and your loved ones. We can help guide you through the process and steps you should be taking to reach your financial goals. A Financial Consultant can assist you in better understanding your existing portfolio. This entails reviewing the portfolio to determine if it remains in line with your stated investment objective and risk tolerance.


The investment strategies and tactics for achieving short-term goals are very different from those used to accomplish long-term ones. Managing for tax efficiency plays a key role every step of the way.


In the accumulation phase you are working hard to build assets, support the household, save for college and, hopefully, set aside money for retirement. When it comes to investing in this phase, every dollar counts because dollars invested early usually work hardest for you later.


Phase two is retirement. During this phase, you’re likely living on a reduced income but now have the time to do things you enjoy. If you’ve planned adequately and factored in the potential for higher medical expenses along with your monthly bills, you should have enough extra money for a good quality of life.


The release phase begins upon your death when your heirs and charitable organizations can benefit from your generosity. Tax-efficient estate planning gives you the satisfaction of offering a leg-up to your children and grandchildren or a little bit of hope to the less fortunate.


Below we outline the steps in the financial planning process, which is modeled on the recommendations of the Certified Financial Planner Board of Standards, Inc.

1. Establish Objectives

  • Discuss goals, means, dreams, time frame, risk tolerance & benchmarks

2. Gather Information

  • Documentation
  • Work through objectives & build planning consensus

3. Analyze & Evaluate

  • Analyze assets, liabilities, cash flows, insurance & tax strategies
  • Discuss likely scenarios & degree of comfort to achieve goals

4. Review Recommendations

  • Discuss & agree on approach
  • Finalize start plan

5. Implement Plan

  • Allocate existing holdings to reflect investor profile
  • Buy and/or sell financial instruments for allocation plan
  • Acquire and/or retire insurance policies as per plan
  • Set up automatic savings and/or investment plans

6. Review, Monitor, & Adjust

  • Monitor performance regularly
  • Review goals & objectives
  • Review new opportunities as they arise
  • Update plan as changes occur in life circumstances, goals & means


From employee benefits programs to executive compensation plans to business exit and succession planning, we bring all the necessary expertise to the table to deliver innovative, tax-efficient solutions to help businesses stay competitive and thrive.




Our objective is to help ensure that your portfolio is diversified and aligned with personal circumstances and long-term goals in an effort to achieve the best possible outcome in any market scenario. We will take the time to understand your goals and work to help you enjoy life today while planning for tomorrow – dreams included.


Many people are aware of the financial risks they face, yet have done little to address the issues in ways that will make a difference in their long-term financial security. According to the Employee Benefit Research Institute in their most recent 2010 study, a little more than half of full-time working Americans (54.4%) participate in a retirement plan. Indeed, even if you have a pension that seems fairly solid, a 401(k) or both, you could still be at financial risk if your overall portfolio is not optimized for performance.

Working with a Financial Consultant can help ensure that your employer- and non-employer-based assets complement one another, not duplicate. Based on risk profile and time horizon, we seek to maximize performance and reduce risk through overall portfolio diversification*. This may include recommendations for adding alternative asset categories with low or negative correlation to other holdings.

We factor into our analyses the costs of health care and long-term care, which include the financial burdens a client may assume in connection with caring for an elderly parent. We also explain the roles of Medicare, Medicaid, retiree health benefits and private health insurance in the overall financial plan.


Beyond traditional insurance coverage, insurance and annuities present a variety of alternatives for supplementing your retirement nest egg and saving for college. By comprehensive review of your current policies, your Financial Consultant can help determine if you’re still on track with your overall financial plan.

Our broad range of insurance and annuity offerings gives you maximum flexibility for achieving your goals. Your Financial Consultant will work closely with members of the IPI Insurance Groups to develop your personalized solution.

  • Fixed & variable annuities
  • Life insurance, including Term Life, Universal Life, Variable Universal Life, Single Premium Life, Return of Premium Term, Universal Life with Long-Term Care Benefits
  • Health insurance
  • Disability insurance
  • Long-term care insurance


Private Asset Management is IPI’s suite of Advisory, fee-based products and services providing access to a broad universe of high-quality investment choices. This advanced platform is designed to enhance the benefits of asset allocation* and align your portfolio with your risk tolerance in different life stages.

Private Asset Management enables your Financial Advisor to screen over 18,000 active and passive funds and individual securities and more than 11,000 separate account strategies for customizing your portfolio. After thorough quantitative and qualitative analysis, investments are selected for your personalized portfolio. The platform also facilitates performance oversight to help ensure your money is working to your maximum advantage.

Private Asset Management incorporates the insights and best practices of investment management professionals around the globe. This cutting-edge suite supports your Financial Advisor in pursuit of the following goals:

  • Maintaining an asset allocation that matches your risk tolerance and time horizon for each life event.
  • Monitoring investment performance on a risk-adjusted basis.
  • Ensuring portfolio expenses are rationalized and competitive.
  • Maximizing objectivity and personalization.

By consolidating your assets into one diversified portfolio and monitoring adherence to stated investment styles, Private Asset Management seeks to optimize the benefits of asset allocation, including tax efficiency and managing the risk of style drift**.


The College Board ( reports that a “moderate” college budget for an in-state public college for the 2013–2014 academic year averaged $22,826. A moderate budget at a private college averaged $44,750. When you multiply these numbers by four, it’s easy to see why it’s important to work with a professional on planning for college expenses.

The good news is there are many ways to deal with the college funding issue at any stage of the game. We advise clients who are planning ahead on potentially higher-yielding investments that can make a big difference in the amount of money they can accumulate for college expenses. Even if a child is on the doorstep of the institution, we can offer suggestions that may go beyond the immediate issue to ease overall financial stress.

*Asset Allocation and Diversification can not help protect assets in a declining market.

**IPI is not involved in the practice of accounting or law. Accordingly, any tax advice contained in this website is not intended to be used, and cannot be used, for purposes of avoiding penalties imposed under the United States Internal Revenue Code or promoting, marketing, or recommending to another person any tax-related matter. Please contact your legal or tax advisor regarding your personal situation. The products offered by IPI involve investment risks, including possible loss of principal amount invested.


All Securities and Investment Advisory Services offered through Investment Professionals, Inc. (IPI), a Broker/Dealer, member FINRA/SIPC & a Registered Investment Advisor. 

The investment services offered by IPI under the name RCB Financial Services are not offered by River City Bank, nor is River City Bank a broker/dealer. River City Bank and RCB Financial Services are not affiliated with IPI. 

This site is published for residents of the United States only. Registered Representatives and Investment Advisor Representatives of IPI may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed.

*IPI and RCB Financial Services are not involved in the practice of accounting or law. Accordingly, any tax advice contained in this website is not intended to be used, and cannot be used, for purposes of avoiding penalties imposed under the United States Internal Revenue Code or promoting, marketing, or recommending to another person any tax-related matter. Please contact your legal or tax advisor regarding your personal situation. 

The products offered by IPI through RCB Financial Services involve investment risks, including possible loss of principal amount invested.


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