Calder Financial Group

Calder Financial Group, established in 1988, is an independent fee-only investment advisory firm acting as a 3(38) Fiduciary for clients. The firm prioritizes clients' interests and avoids conflicts of interest. The principal owners are Dirk Racette, Brian Riefepeters, and Daren Shavell. Calder offers investment supervisory services to institutional and individual investors on a discretionary and non-discretionary basis, with total assets under management of $260.7 million. The firm provides comprehensive financial planning services and does not participate in wrap fee programs. For fees, Calder charges a tiered percentage based on assets under management, with a minimum quarterly fee of $50. Clients may pay fees via check, and financial planning services are billed at $250 per hour. The firm does not charge performance-based fees. Investment strategies focus on diversified, managed portfolios, utilizing mutual funds managers with broad mandates. Calder's investment philosophy emphasizes risk evaluation, target allocation, and periodic rebalancing. The firm's investment advisors have diverse educational backgrounds and certifications, including CPA, FSA, EA, CFA, and CFP. The firm's operations manager, Kelly Eggleston, oversees day-to-day operations. The firm's Chief Compliance Officer, Dirk Racette, supervises the investment advisor representatives and conducts ongoing compliance meetings. Clients are encouraged to review custodial statements and compare them with reports provided by Calder. Calder Financial Group does not vote on proxies for client securities and has no disciplinary information to disclose.