RCA Capital Group, LLC Independent Advisors Focused on Your Success

Transcription

1 RCA Capital Group, LLC Independent Advisors Focused on Your Success RCA Capital Group, LLC 1325 Franklin Avenue, Suite 105 Garden City, NY Securities and Advisory Services offered through Commonwealth Financial Network. Member FINRA, SIPC, A Registered Investment Adviser. Fixed insurance products and services offered by RCA Capital Group, LLC are separate and unrelated to Commonwealth. Neither RCA Capital Group, LLC nor its members and employees provide legal or tax advice. The material provided is for general informational purposes only and does not constitute either tax or legal advice.

2 About RCA Capital Group, LLC Individual Client Services Retirement Plan Sponsor Services Financial Planning Investment Management Planning Your Retirement Insurance Corporate Plan Design Single Participant Plans Our firm is backed by teams in Waltham, MA and San Diego, CA. There is approximately one staff member at Commonwealth for every three advisors they work with. These resources provide us with back office support, compliance and custodial services that help support us in our daily operations. 2

3 Financial and Estate Planning When is the last time you made an investment or financial decision based on a comprehensive evaluation of your true financial picture? At RCA Capital Group, we utilize our Three Pillars approach to help clients have the best chance of reaching their financial success. This approach combines a rigorous evaluation of your current financial situation with a thorough understanding of your opportunities and risks to derive a tailored, individual plan of action. At its core, the Three Pillars process is based on: I. Your Personal Balance Sheet and Cash Flow Analysis II. A Comprehensive Evaluation of your Current and Future Investments III. A Thorough Understanding of the Risks to your Financial Success Our work produces actionable, focused plans. We monitor and review those plans with you to account for changes in your life or other circumstances. 3

4 Investment Management When clients work with us, they know they will have an investment strategy geared to their specific needs, their tolerance for risk and their time horizon and tax constraints. Independent Prudent Process Fiduciary Focus As independent advisors, we have the freedom to select appropriate investments for our clients, without the hidden agendas found within so much of the investment community. We have no ties to investment banking or market making activities and our sole focus is portfolio management. Following our initial meeting, we conduct a thorough review of your existing investments. Using various research and portfolio tools, we analyze the portfolio and its individual investments for fees, performance, underlying risks and management structure. Our advisors are Accredited Investment Fiduciary designees. As such, we have committed to a higher, standardized process of working with our clients that truly separates us from the rest of Wall Street. Who we Work with: Individuals Defined Benefit Plans Trusts Education Funding Endowments and Foundations 401(k) Consultancy 4

5 We Provide Comprehensive Services Including: Investment Services Independent, conflict free advice Designing a personalized portfolio appropriate to your needs and periodically reviewing your investments with you Year long continual monitoring of your investments Periodic review meetings to: review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio Monthly statements, quarterly summaries and online access Recommendations regarding positioning of funds within your employer provided retirement plans Retirement Income & Distribution Planning Analysis of your income needs now and in the future Financial projection of the probability of meeting your retirement needs and wants Continual development and implementation of recommendations to fund your income needs and help maintain your standard of living Recommendations regarding the best distribution strategy for your employer retirement plans and IRA's Family Wealth Planning Analysis of your current estate plan and concerns Consultation with your estate planning attorney Comprehensive review of existing and/or proposed life and long term care insurance coverages Tax Reduction Planning Recommendations of tax solutions including tax advantaged investments Consultation with your tax provider Sharing current knowledge on new tax laws that can affect your situation 5

6 Key Thoughts and Considerations Why Independence Matters - Simply put we work for you and no one else. There are no layers of management, proprietary products or hidden agendas. Financial Planning at all Stages of your Life - We work with clients to plan for all stages of their financial life, from investing for college to accumulating assets for retirement to planning for the distribution of their estate. - Our advisors are well educated in strategies to minimize taxes, maximize social security benefits and help you achieve your goals. Risk Management - At RCA Capital Group, LLC we understand that financial planning also involves managing your risks. We take a comprehensive look at our clients life, disability and long term care insurance policies and needs. Local Presence Backed by a National Firm - RCA Capital Group, LLC is backed by our Broker/Dealer Commonwealth Financial Network. - Commonwealth allows us to provide you with state of the art technology giving you 24/7 account access. - Commonwealth advisors oversee approximately $71 billion in total account assets as of 12/31/ Home office staff of approximately 600 employees focused on such issues as technology, research and compliance. Please call us if you think you would benefit from an independent, objective look at your financial future. 6

7 A Team Dedicated to You Louis M. Rusinowitz, JD, CFP, AIF Louis primarily works with the firm's clients toward building an effective, easy to understand plan of action. These plans encompass such issues as cash flow management, investment planning, tax and estate planning, and controlling unintended consequences resulting from death and disability. He also works with business owners and employer sponsored retirement plans to help ensure employers are meeting their fiduciary responsibilities and employees are getting the help and information they need to plan for retirement. Louis obtained his law degree from The Fordham University School of Law in New York and prior to that graduated Hofstra University with an Accounting Degree. Seth Cohan, AIF, CLTC Seth has helped clients and their families in achieving their financial goals for more than 25 years. He has a thorough knowledge of the investment and retirement planning process and through a careful analysis of a client s particular business, financial resources and investment philosophy, he is able to recommend a program tailored to each particular client s circumstances. Seth also understands that every plan must be carefully monitored and works with his clients to consider changes that may be necessary due to the changing compliance environment, a need to consider investment manager performance and a need to analyze cost structure. Seth received his Bachelors of Business Administration from the George Washington University. Maurice J. Acriche, AIF Maurice is a co founding partner of RCA Capital Group, LLC, an independent financial services, wealth management, and consulting firm. As an experienced portfolio manager and investment specialist, Maurice works with clients to develop portfolios that attempt to maximize investment returns for the level of risk with which each client is comfortable. Maurice is a graduate of the University of Maryland, with degrees in Finance and Economics. He has furthered his education at Harvard's Institute of Advanced Markets. 7

8 Let Us Help You Plan Your Financial Future Please contact us with any questions: Phone: (516) Address: 1325 Franklin Avenue Suite 105 Garden City, NY Visit our website: 8