Ray|theil Wealth Management, LLC

Ray|Theil Wealth Management, LLC is an SEC registered investment adviser established in May 2011, offering financial planning, consulting, investment management, and wealth management services. The firm is owned by Don L. Ray and Matthew T. Theil. Clients can engage the firm for discretionary management of assets, with a focus on allocating investments among Independent Managers, mutual funds, ETFs, and individual securities. RTWM tailors its services to individual client needs, developing investment policy statements to determine risk tolerance and investment objectives. The firm charges fees based on a percentage of assets under management, ranging from 0.50% to 1.00% depending on portfolio value. RTWM may also charge hourly fees for financial planning and consulting services. The firm does not participate in performance-based fees and provides services to individuals, pension plans, trusts, estates, and charitable endowments. RTWM's investment strategies include fundamental and technical analysis, with a focus on client-centric asset allocation and manager selection. The firm exercises investment discretion on behalf of clients and may vote client securities proxies. RTWM recommends utilizing brokerage services from Fidelity and Schwab, considering factors like financial strength and service quality. Clients receive regular account reviews and reports, and RTWM follows a Code of Ethics to ensure compliance with securities laws and prevent the misuse of material non-public information.