Founded in 1982, RAV Financial Services LLC ( RAV ) has been providing individuals and families with customized total wealth management for over 25 years.
RAV is a fee only Wealth Management firm that provides financial, income tax and estate planning advice as well as professional asset management services to successful individuals. You deserve and expect individually tailored financial services so we offer sophisticated planning strategies with a high level of care. RAV offers a variety of options from consulting to retained relationships.
Our clients have come to enjoy the lasting relationships that we build with them and their families as we create custom multi-generational financial plans, and we would welcome the opportunity to serve you. From retirement planning, tax planning, funding your children's education, the complexities of estate administration, to our approach to investment management, RAV works side by side with you as a trusted adviser to help achieve your lifestyle goals and objectives.
. INVESTMENT MANAGEMENT
You are looking for someone to help create an investment plan that is actively-managed using creative strategies and original thinking.
- Active portfolio management tailored to your objectives
- Emphasis on low expenses and tax efficiency
- Advice on 401(k) retirement plans
- Provide a second opinion on your existing portfolio
ESTATE PLANNING
An estate plan is more than signing legal documents. The plan needs to integrate with your personal family objectives.
- Create strategies for potentially reducing estate taxes,minimizing probate expenses,delays and publicity,preserving and transferring wealth to heirs and charities
CHARITABLE GIVING
You have charitable intentions,but want to take the right approach to giving.
- Create and implement strategies for charitable giving
- Can I afford to give?
- How will it affect my taxes and cash flow?
TAX PLANNING
Integrating smart tax decisions into your overall plan.
- Prepare income tax projections to potentially improve cash flow and minimize taxes
- Tax preparation
- Calculate IRS mandatory required minimum distribution
EDUCATION PLANNING
What's the best way to fund education for my children or grandchildren.
- Design college education funding plan
- What is a Section 529 Plan and is it appropriate for me?
- Alternative sources to fund college education
INSURANCE
You're concerned about preserving your wealth.
- Produce recommendations for providing income in the event of disability or catastrophic illness
- Review the cost effectiveness and appropriateness of current liability insurance coverage
- Assess and recommend life and long-term care insurance strategies
RETIREMENT PLANNING
Creating a plan to transition to a new lifestyle and the next phase of your life.
- Construct a customized roadmap for the transition into retirement and design strategies during retirement that include attaining your life style objectives.
- Examine current expenses and prepare alternatives to potentially improve cash flow
- Calculate IRS mandatory required minimum distribution (RMD)
EMPLOYEE BENEFITS
Making the best use of your employer benefits.
- Integrate your employer sponsored benefits into your personal financial