Frequently Asked Questions

We offer free, no-obligation appointments to review your investments and discuss how we can help you.

What Documents do I need to bring?

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What makes you better than other financial advisors?

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Why switch from my current advisor?

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What's involved in a financial plan?

A financial plan gives you a road map for handling your money in a way that cuts stress and builds security. It’s crucial for meeting goals, such as buying a house or creating a nest egg that will last long after you’ve collected your final paycheck.

You can make a financial plan yourself — even a very basic run-through of the steps below will help you get a handle on your money.

What is involved in financial planning?

A: Financial planning looks at a person’s overall financial picture. A financial planner will often ask a prospective client to fill out an extensive questionnaire in order to understand his or her financial needs and goals. The planner will usually put together a detailed, short-term 5-year plan designed to improve the client’s overall financial position. That may be followed by a long-term plan, along with suggestions about how to save and invest for retirement and a child’s college education at the same time. The planner will also look at ways to reduce current and future tax liabilities and protect assets by having the proper life, health, disability and long-term care insurance coverage in place. Finally, he or she may offer suggestions on estate planning.

What's the difference between financial planning and retirement planning?

A: Financial planning covers all aspects of a person’s financial well-being. This includes savings, investments, retirement and college savings plans, insurance coverage, and estate planning. Retirement planning covers only investments made for retirement.

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At what age should retirement planning start?

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How often should I see my financial planner?

A: While your financial planner may make a different recommendation based on your particular circumstances, it’s a good idea to see him or her once a year. You should also consider making an appointment in anticipation of life-changing events such as marriage, the birth of a child, divorce, or after inheriting a large amount of money.

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Financial Resources

Financial News & Articles From Our Investment Advisors

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Contact Us

Your investment needs, aspirations and financial goals are just that – yours. And your financial plan should reflect that. We can provide you with just the right combination of financial service, support and guidance that make the most sense for you.

Jim.Musgrave@rfsadvisors.com

301.588.0514

2273 Research Boulevard, Suite 101, Rockville, Maryland 20850

M-F: 9am-5pm