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Our Philosophy

1

Financial planning is not a one-time event.  It's an ongoing process that enables you to make informed decisions throughout life and it involves much more than your investment portfolio.

2

You encounter more critical financial decisions in your 30’s & 40’s than at any other point in your life. This is also the phase of life when you have the least amount of free time to devote to such tasks.

3

The benefits of professional financial advice are a combination of tangible results like better financial outcomes, and intangibles like reclaiming your leisure time and having peace of mind.

What to expect from the RWM financial planning process

Perhaps you’ve been considering hiring a financial planner for some time, but you’re not sure what to expect from the process or how it all works.

You can use this high-level overview to get a feel for the steps we'll take together in our financial planning program.

The financial planning process at its core is all about enabling you to make smarter decisions that will grow and protect your wealth over time.  The process is also designed to reduce the amount of time you spend second-guessing your decisions or stressing about money so you can use this time with friends and family or pursuing your passions.

Step 1

Get Organized


We gather all of your relevant financial information, documents, and data.  This gives us a baseline for your plan and identifies any immediate needs to address.

Step 2

Define Your Goals


The first step in building your financial plan is defining your values & goals.  We work with you to categorize your list into must have's like basic living expenses and more aspirational goals like a vacation home.

Step 3

Develop the Strategy


We combine your goals, resources, risk tolerance, and other relevant information to map out what we consider to be the optimal strategy to achieve your goals and to live the life that you want.

Step 4

Implement the Plan


We begin to execute your financial plan and start to make progress.  Everything from opening accounts, to re-allocating investments, to engaging with a CPA or estate attorney.  We will provide specific action items and identify who will be responsible for each. 

Step 5

Monitor, Motivate and Adjust


After meeting 4-6 times during our first year working together, we’ll meet at least 2 times annually thereafter to discuss changes in your life, to monitor progress toward goals, to provide coaching and motivation, and to adjust your plan accordingly. 

Below is a list of common questions, issues, and challenges that we’ll tackle together to get you on track to financial wellness today and financial freedom tomorrow:

Goals and Values 
Risk Management
Housing
Education Planning
Equity Compensation
Estate Planning
Investment Analysis
Cash Flow Management
Retirement Planning
Tax Planning
Employee Benefits



Meet Your Advisor

Ron Guay, CFP®

Career Path:

After spending the first 20 years of my career in corporate financial planning & analysis roles, I made the decision to leave a strong six-figure salary and Vice President title to pursue my passion for promoting financial wellness in the community while running my own business.

I launched Rivermark Wealth Management in early 2018 to make this vision a reality.  We help our clients to reduce taxes, make smarter investment choices, and find financial peace of mind.

Education:

I’m a proud graduate of the School of Business Administration at the University of Dayton and the Executive Financial Planner program at Santa Clara University.

Certifications and Professional Associations:

I hold the CERTIFIED FINANCIAL PLANNER™ designation and am a proud member of the following professional organizations: