Efficient Market Fanatics
Creating order in your financial life while you are living
Delivering clarity to your family when they need it most
We’re Personal CFOs and Asset Managers helping clients coordinate investments, tax strategy, retirement planning, and estate intentions into one clear system. The goal is not just to manage money. The goal is to help you live wisely, prepare faithfully, and leave your family with clarity instead of confusion.
The challenge
Financial planning is more than a pie chart.
Most plans get built one account at a time – a portfolio here, a tax return there, an estate document somewhere else. Each is handled in isolation, and the gaps between them are where money quietly leaks away.
The deeper challenge is that money eventually changes hands. A good plan should serve you while you are living, but it should also help your family understand what you built, why you built it, and how to carry it forward.
We’ll show you that financial planning is so much more than hot stock picks and a fluctuating dollar amount on a monthly statement. When you widen your scope to include investments, taxes and planning together as a system, the whole picture changes.
2010
Independent fiduciary RIA since – built so acting in your best interest is the number-one priority.
3 in 1
Investments, tax strategy and planning, brought into harmony as a single system – not three separate errands.
DFA
Core portfolios built on Dimensional Fund Advisors – the evidence-based building blocks at the core of every plan.
Our approach
Two clients. One responsibility.
Every planning relationship has two clients. The first is the person or couple we serve while they are living. The second is the family who may one day need to understand, inherit, and carry what was built. We plan for both.
Three things, brought into harmony.
People rely on us to help them finance and preserve the lives they want, while preparing their family to carry responsibility well when that season comes.
We do that by bringing three things into harmony – like the circles of a Venn diagram, the three should overlap. Get the overlap right, and money can work for you instead of you working for it.
Investments
Evidence-based portfolios built on DFA building blocks – disciplined, diversified, and held for the long term, so you’re not gambling on hot picks or market timing.
Tax Strategy
Tax-aware planning that coordinates with your investments – Roth strategy, withdrawals, and the gaps between accounts – so more of what you earn keeps working for you.
Planning
Retirement income, IRA and 401(k) strategy, business-owner planning, charitable giving, estate coordination, and next-generation preparation. Your whole picture, brought into order for you and for the people who may one day depend on the decisions you make now.
Our core Investment philosophy
Independent, evidence-based, and honest about the numbers.
“By freeing people from financial anxiety, we give them more than monetary security – we offer peace of mind.”
You can relax because markets price information efficiently – that is, the collective insight of millions of investors determines securities prices. So instead of trying to outguess the market, we accept that efficiency and build on decades of financial data rather than headlines and hope.
Every relationship is led by a fiduciary who acts in your best interest, full stop – and tells you what the numbers say, even when it isn’t what the room wants to hear. That discipline, held for the long term, is what turns a portfolio into a plan that can change lives.
Who we work with
We serve the client in front of us, and the family coming after them.
Professionals & Executives
High earners with large 401(k), IRA and taxable assets who want investing, tax strategy and planning coordinated – not handled in three separate places.
Retirees & Near-Retirees
People protecting the independence they’ve earned – with retirement income, rollover and Roth strategy designed to keep it intact.
Business Owners & Families Thinking Beyond One Generation
Founders and owners who need personal-CFO clarity across the business and the household, plus a plan for transferring wealth on their terms; people who want their wealth, values, decisions, and estate intentions understood by the people who will one day own them.
What kind of future do you want?
You’ll look back on the decisions you make today.
Those decisions will bring either regret or contentment. Tell us where you’re heading and what’s coming up – we’ll listen, and explain how a partnership with RMG can help you get the future you want.
A no-pressure, 15-minute conversation. Independent fiduciary advice.