Rumley Investment Service

Rumley Financial Services, LLC is a dedicated financial services firm committed to providing comprehensive financial planning and investment management services to individuals and families. Based in Anchorage, Alaska, we serve clients from various states, including Alaska, Arizona, California, Florida, Idaho, Iowa, Michigan, Minnesota, Mississippi, New Hampshire, North Carolina, Oklahoma, Oregon, South Carolina, Texas, Utah, Virginia, and Washington.

At Rumley Financial Services, LLC, we understand the importance of transparency when it comes to fees and costs. We want our clients to fully comprehend the costs associated with our services and the products we offer. Our financial planning services are billed on a project or time basis, with a rate of $250 per hour, billed by the tenth of an hour. This fee structure ensures that our clients pay for the value and time they receive, without hidden charges or additional costs.

Investment products, such as variable annuities and mutual funds, have their fees set by the prospectus, allowing our clients to understand the costs before committing to any product. Asset management/advisory fees are based on a sliding scale and vary based on the amount of assets under management. Households with less than $50,000 under management are charged a maximum of 1.50%. For larger household amounts, we offer lower advisory fees, promoting a more cost-effective and transparent service.

In advisory retirement accounts, we waive the standard IRA/Roth annual maintenance fees, while commission-based retirement accounts incur the standard maintenance fee. We charge a nominal fee of $1.50 for mailing hard copy trade confirmations, and no charge for delivery by email. Life, annuity, and long-term care insurance commissions are built into the cost structure of these products, paid directly by the insurance general agent out of contract premiums.

Our Services

We offer a range of financial services, including:

• Retirement Planning: Our retirement planning services aim to help our clients identify and reach their retirement goals, backed by a solid financial plan. We provide guidance on calculating the required income in retirement, social security strategies, and the best ways to invest for a secure retirement.

• Financial Planning: Our financial planning services involve evaluating our clients' current financial situation and creating a customized financial plan to meet their short-term and long-term goals. We consider factors such as income, expenses, assets, liabilities, and future financial needs, providing options and recommendations to help clients grow and protect their wealth.

• Estate Planning: Estate planning is crucial in ensuring that our clients' assets are distributed according to their wishes after their passing. We help clients establish and manage trusts, create wills, and facilitate the transfer of wealth to the next generation while minimizing taxes.

• Investment Management: Our investment management services allow our clients to delegate their investment decisions to experienced professionals. We provide active portfolio management, asset allocation, and rebalancing services, targeting above-average risk-adjusted returns.

• College/Vocational School Savings: We help our clients save for their children's or grandchildren's education by recommending appropriate investment accounts and strategies, keeping in mind their financial goals and risk tolerance.

• Savings: Our savings services aim to help our clients accumulate wealth through various savings vehicles such as high-yield savings accounts, certificates of deposit (CDs), money market accounts, and treasury bills.

• Life Insurance: Life insurance is a vital component of a well-rounded financial plan. We help our clients choose the right life insurance policy, whether it's term life, universal life, or whole life insurance, providing the necessary protection for their loved ones in the event of an untimely passing.

• Insurance Review: We review our clients' existing insurance policies, ensuring that their coverage remains appropriate and up-to-date while identifying any potential gaps or redundancies.

• First Meeting: In our first meeting, we take the time to understand our clients' financial goals, lifestyle, and values. We discuss their current financial situation and any concerns they may have, providing a preliminary assessment and recommended action plan.

• What to Expect: We provide a clear and transparent overview of our services and fees, allowing our clients to make informed decisions about their finances. We maintain regular contact and communication, scheduling regular meetings and updates, and answering any questions our clients may have along the way.