About Us
Your Wealth, Simplified.
At Rydge, we believe in simplifying the complicated by focusing on your unique 'Y' – the driving force behind your financial aspirations. If we don’t save you time, mental energy, and stress, we aren’t doing our job. We created Rydge Wealth Management out of our passion for helping others achieve their lifelong goals by taking on the responsibility of being your family’s CFO. Whether you're in the Bay Area, California, or anywhere across the United States, we're here to support you.
At the core of our business is a firm belief that providing excellent service requires an ongoing relationship, one that we're proud to have with you and your family. By understanding your 'Y,' we create tailored financial strategies that align with your personal and professional goals, ensuring your financial journey is as unique as you are.
Within the multitude of financial planning disciplines, we focus on these primary areas:
Executive planning for highly compensated employees with a heavy focus on stock options
The unique opportunities available to small business owners
Life transitions, whether it be as a result of a death, divorce, inheritance, or some other unforeseen circumstance
It’s better to look ahead and prepare than to look back and regret.
– Jackie Joyner-Kersee
FAQs
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Investing is about allocating your financial resources to productive businesses and sharing, over the long term, in the value they create for society. We do not believe in timing the market, we believe the market is efficient, and that a diversified portfolio of low-cost index funds and active mutual funds (where appropriate) are the most suitable tools for helping you reach your goals.
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It starts with designing your investment allocation, we will then move to the implementation phase, and once the desired allocation has been achieved your portfolio will then be monitored and rebalanced on an ongoing basis.
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After our initial discovery call we will set up a longer data gathering meeting to get a clear idea of your finances. We then prepare a scope on engagement & proposal for you to decide whether you would like to move forward with our full financial analysis and plan. This analysis will be presented to you and you can either take the plan and implement the action items on your own (which would have a flat rate fee) or if you would like us to continue to assist in managing your financial affairs we will waive the analysis fee and take further steps to bring you on as a wealth management client. This would then give you all the benefits found on our Wealth Management page.
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After becoming a wealth management client we will assist in rolling over your accounts and establishing your portfolio based on the allocation that’s right for you. We then meet regularly (on an annual or semi-annual basis) to do a complete review of your portfolio and to make any updates as needed. We are also available at any time to help answer questions regarding finances, insurance, family, real estate, career, and so much more. We are always here to support you through any of life’s big or small circumstances.
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In most cases, we are compensated via an ongoing advisory fee based on the investments that are directly managed. Our fee schedule can be provided upon request. In rare cases, commissionable products may be utilized if they are appropriate and we will fully disclose our compensation in this event.
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We offer personal, trust, estate, and gift tax preparation services* to our wealth management clients, which are billed on a separate basis. Continual and ongoing tax planning, however, is included as a wealth management service. In the event that your tax needs are beyond our scope, we will refer you to a CPA or other qualified professional. We do not assist with business tax preparation services.
