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Hello,
Thank you for this opportunity to connect with you. I
hope that after reading this brief write-up you will know some key facts
about me which may be helpful when choosing a partner for your financial
planning and investments.
A little history:
I began managing clients’ assets after becoming a
registered investment adviser in 1999. Software engineering was my first
career during which time I worked at IBM, Data General, VisiCorp, and
3Com.
What is Investor's Capital Management, LLC?
Our financial planning firm
has two other partners and a number of associates. As a group we are
‘Investor’s Capital Management LLC’. I am the founding partner of this
vibrant company which continues to grow in size and services. |
What services are offered?
I offer full-service
financial planning that may encompass:
- investments including
socially responsible
and
sustainability investing
- social security planning
- when should I start getting benefits?
- how can I maximize benefits?
- will social security be enough to live on?
- how much can I expect to receive?
- will Social Security be there for me?
- retirement planning
- income property
(residential)
- living trusts &
estate planning
- tax planning and
insurance planning
- tax-free saving for
college expenses
- home purchase &
mortgage financing
- employee stock
purchase plan & stock options
- life planning using
the Kinder EVOKE™ method
You can be a Retainer or a Managed Account Client; where in the latter case, I
offer investment planning and implementation
and in the former case, I offer financial life planning in addition to
investment planning and implementation.
What gives me credibility in the industry?
I am
a Certified Financial Planner or CFP® and thus I follow the ethical
standards set by the Certified Financial Planning Board of Standards including
fiduciary responsibility for my clients. I am always happy to share the
performance records of the portfolios that I recommend. Also, I fully disclose
the cost of all services that I provide.
I have been published in Forbes, New York Times, Wall Street Journal, Money magazine, and the
San Francisco Chronicle to name a few
(see
the complete list). I am a member of the Kinder Institute of Life
Planning (www.kinderinstitute.com),
and the National Association of Personal Financial Advisors (www.napfa.org).
Things that I would like you to
associate with me:
-
I work to earn your trust and work harder to keep
your trust.
- I am 100% fee-only and therefore
never work on commission. I am able to charge
less due to lower overhead costs. I am a fiduciary for all my
clients.
-
My goal is to help you bridge the gap between
where you are and where you want to be with planning that is
customized to your personal situation. My clients and I work as
partners to design a life plan that combines the clients’ values,
dreams and financial resources.
- In 2006 and 2007 I trained with the Kinder
Institute earning the Registered Life Planner® certification. The
institute is an international organization focusing on the most
meaningful - even profound - goals of a person's life. The Kinder
EVOKE™ Method, a life-centered approach to Financial Planning,
provides a supportive financial framework for living the most
meaningful and rewarding life you can imagine.
You can
find me in Menlo Park where I live with
my lovely wife, Bonnie. You will also get to meet Abby, our Scottish
terrier and part of the team at ICM!
I would be
happy to work with you, if my services and experience match with your needs.
Always, I appreciate your interest and wish you the best!
 Service
Details:
-
"Get Started" financial plan that covers the
typical financial planning issues. For most the plan fee is $5400. As part
of the plan, you choose an ongoing service plan:
-
Ongoing Investment Management Plan - Rich does all the implementation,
record keeping, gain/loss reporting, and performance reporting. The minimum
monthly fee is $834 and that covers the first $1,000,000 of investable assets
and financial plan reviews are included.
-
Ongoing Financial Planning and Investment
Management Plan - offered by retainer. The retainer fee is based on your net
worth since this method of compensation removes almost all conflicts of
interest. The minimum annual retainer fee is $834 monthly and that covers about the
first $2,000,000 of net worth. financial plan reviews are included.
-
All
portfolios primarily use passive (index) investments based on
Dimensional Fund Advisors (DFA) equity mutual funds.
CFP, CERTIFIED FINANCIAL PLANNER and CFP with flame logo are marks owned by the
Certified Financial Planner Board of Standards, Inc. These marks are awarded to
individuals who successfully complete the CFP Board's initial and ongoing
certification requirements.
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