Rf&l Wealth Management, LLC

RF&L Wealth Management, LLC is a registered investment adviser established in 2006 and owned by Andrew Hass and Ryan Hass. As of December 31, 2024, the firm managed over $298 million on a discretionary basis and provided advisory services for self-directed retirement accounts. RF&L offers investment management services, including portfolio design, monitoring, and regular client meetings. The firm primarily utilizes passive mutual funds and ETFs, with the option for individual equity securities. Clients have the choice of discretionary or non-discretionary portfolio management, with the ability to impose restrictions on investment choices. For investment management services, RF&L charges an annual fee based on a percentage of assets under management, ranging from 0.80% to 1.25%. The firm may also charge a flat rate fee for managing 529 College Savings Accounts. Minimum account sizes typically start at $250,000 for investment management services and $500,000 for fixed income portfolio management. RF&L acts as a fiduciary and does not charge performance-based fees. The firm's investment strategy is rooted in Modern Portfolio Theory, emphasizing long-term diversified portfolios and passive asset class investments. Clients are advised on the risk of loss associated with investing in securities, including domestic and international equities, fixed income securities, and commodities. RF&L does not have any disciplinary information and discloses its brokerage practices, custody arrangements, and investment discretion policies. The firm does not vote proxies on behalf of clients and provides financial information indicating its ability to meet fiduciary commitments. Clients may request a complete copy of RF&L's Code of Ethics and receive quarterly performance reports for investment management services. RF&L receives client referrals through Zoe Advisor Network and complies with regulations regarding third-party solicitors.