RF&L Wealth Management works with clients to determine their investment goals and risk tolerance, then designs a written investment policy. RF&L typically creates portfolios of mutual funds and ETFs, and may use model portfolios. Client portfolios may also include some individual equity securities. RF&L manages portfolios on a discretionary or non-discretionary basis. RF&L may also recommend fixed income portfolios to advisory clients, which consist of fixed income funds or individual fixed income securities.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $200K | 1.25% |
| $200K - $1.0M | 1.00% |
| $1.0M - $2.5M | 0.90% |
| $2.5M+ | 0.80% |
Fees may vary based on individual or family relations or may be negotiated for members of an organized affinity or industry groups. Individual accounts for members of the same family may be assessed fees based on the total account balance of all family accounts. Accounts for business entities and related accounts, including those of the business owner are assessed fees based on the total account balances of all such related accounts.