Ritter Daniher Financial Advisory LLC

Ritter Daniher Financial Advisory LLC (RDFA) is a registered investment adviser established in 1999, with headquarters in Cincinnati, Ohio. The firm specializes in Wealth Management services, managing approximately $606 million in client assets on a discretionary basis as of December 31, 2024. RDFA offers services such as financial planning, retirement planning, and investment management. The firm operates on a fee-only basis, with wealth management fees ranging from 1.00% to 0.25% based on assets under management. RDFA emphasizes asset allocation, diversification, and portfolio rebalancing in its investment strategies, focusing on long-term success and Modern Portfolio Theory principles. The firm does not charge performance-based fees and primarily serves individuals, families, high net worth individuals, trusts, pension and profit-sharing plans, and charitable organizations. RDFA does not vote proxies for client securities and does not have any disciplinary events to report. The firm upholds a Code of Ethics emphasizing objectivity, confidentiality, competence, fairness, integrity, regulatory compliance, full disclosure, and professionalism. RDFA recommends the use of Charles Schwab as a broker-dealer and custodian for client accounts, with bunched trading to share transaction costs among clients. Clients have access to performance reports and online portals for account monitoring. RDFA does not participate in client referral programs and does not have custody of client assets but facilitates fee deductions and fund transfers. Clients have the option to grant RDFA discretionary authority for managing their accounts.