Email completed questionnaire to: help@rossfinancialinc.com

• We follow a fiduciary standard throughout the financial planning engagement. As such, we will place your interests ahead of our own when providing professional services. Beyond the legal definition, Ross Financial takes its responsibility as a fiduciary to a more personal level. We believe that each unique client situation requires a unique level of service to make sure we are always earning our keep and positioning you for success, both financially and in life.

Yes! While many of our clients are in Western Washington, we work with retirement savers all over the United States. Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom. Each virtual meeting is protected by a complex, unique password and we adhere to the strict security guidelines necessary to protect your privacy.

Our fee structure is simple and transparent. We are a commission-free (a.k.a. fee-only)* retirement & tax planning firm. Our fees depend on your needs and complexity and are a transparent line item on every statement. The annual fee we charge is assessed on a quarterly basis and is taken directly from the account. Some financial advisors are commission-based, which may cause fees to be hidden or create conflicts of interest. Not Ross Financial Inc. Scheduling your first phone call with us and going through our Retirement Assessment process will help you make an informed decision about working with our firm and others you may be considering.

We do not! The one transparent fee that we charge includes the management of all your investment accounts held with us, plus ongoing retirement and tax planning. There are no hidden fees or hourly rates. We only charge on the assets we manage. In addition to our guidance on the investments we manage directly, we also offer many other benefits and guidance when it comes to other financial aspects of your life that we do not directly manage. Have questions about your 401(k), we have guidance one that. Questions about estate planning, we can offer clarity.

Our service model is what sets at the front of the pack. We customize our service to your unique situation. We reach out at regular intervals throughout the year based on your goals, needs, and time horizon. We are proactive when it comes to making sure we are taking care of you. But our door is always open and we are available when life throws you an unexpected event. Our service model is built to make sure that we not only earn our keep but add true value to your life.

We do our best work with people looking for long-term relationships. Currently, our firm is not equipped to offer an hourly fee schedule or a one-time project fee option. If you need help locating a financial planner who offers these fee options, send us a note and we will do our best to get you in the right hands.

We believe a solid investment plan begins first with a detailed and customized financial plan. We get to know you and your goals. Achieving your goals and dreams is our benchmark, not the S&P 500. Rather than focusing exclusively on rates of returns, we take into account your desired lifestyle, legacy, and how your portfolio can help you accomplish your goals. We make decisions guided by tried-and-true principles, not fear and emotion. We follow the fiduciary standard for our clients, which means we place your interests before our own. We have a well though-out and detailed system of investment management.

Great question! But first, let us explain why you shouldn’t hire us. If you’re looking for an advisor who will trade stocks to “beat the market,” you’re in the wrong place. Why? Because we only focus on what we can control. Predicting if the stock market will go up or down, or guessing what interest rates will do next, are not things you can control. But if you’re interested in things like lowering your tax bill, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.

There are three really important things about our firm that separate us from others:

• All we do is retirement planning. We are retirement specialists with the simple goal of helping to make sure you don’t run out of money.
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• We limit the number of new clients we take on to deliver massive value and personalized service.
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• We invest in industry-leading technology to simplify our clients’ lives and make retirement easy.

Our goal is to minimize your taxes, invest smarter, and create reliable income in retirement. We are not CPA’s but we always help manage clients’ assets in a way that minimizes any potential tax liability.

Ross Financial Inc. uses Raymond James as our custodian and back office. Founded in 1962, it has stood the test of time when protecting and serving its clients.