R.A.I. Financial Services offers personalized financial planning and investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and small businesses. The firm helps clients define financial goals, manage cash flow, plan for retirement, fund education, review insurance, and handle estate planning. Investment management is guided by modern portfolio theory and asset allocation principles, using primarily low-cost mutual funds and exchange-traded funds. R.A.I. Financial Services operates as a legally required fiduciary, meaning they are bound to put client interests first, and they do not sell commission-based products or accept finder's fees.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.25% |
| $500K - $1.0M | 1.00% |
| $1.0M - $10.0M | 0.90% |
| $10M+ | 0.90% |
Fees are negotiable. Accounts over $10 million are fully negotiable. There is a semi-annual account maintenance fee of $50.