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Financial
Planning Services
Financial Planning
Services
Financial Planning
Retirement Planning
Debt Management
College Funding
Investment Advice
Investment Seminars |
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Call us for a
FREE
No Obligation Consultation |
Bruce Ruud & Associates,
LLC was founded by Bruce Ruud, a Certified Financial Planner
practitioner, Certified Employee Benefit Specialist, Chartered
Mutual Fund Counselor and Chartered Retirement Plans Specialist.
Bruce Ruud & Associates, LLC is a registered investment advisor and offers
personalized investment advice to
investors. We provide fee-only, as needed, financial planning and
investment advisory services to individuals, plan participants, employee
benefit plan sponsors and plan fiduciaries.
We know from experience
that most investors want to discuss their financial goals with someone they
trust and who will put their needs above personal profit. We believe
discussions between the planner and the client are essential to the process
and know that most investors desire and deserve individually designed
financial advice tailored just for them.
Here are the steps we normally follow:
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Perform a thorough review of a questionnaire
you have completed plus any documents you have furnished us
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Have a discussion with you to gain a
better understanding of your financial goals and objectives, risk
tolerance, time horizon, other investments or sources of income and any
other factors that might affect your investment decisions
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Analyze the data you have provided and prepare
recommendations
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Discuss our recommendations
with you and address any concerns you may have
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If requested, periodically review your portfolio
and make recommendations based on changes in the investment markets or in
your life situation
One thing that separates us from many other advisory
firms is our independence. We do not
accept fees, commissions, products or services from any financial service
firm or investment manager. We are completely free of any loyalties except
to you, our client!
Another difference is that we
do not have investment thresholds or minimums. We are willing to
help you regardless of the amount you have to invest. We know from
experience that the first step of your investment journey is the toughest,
and we want to be there with you to guide you along the path to financial
security.
Here are some of the services we offer that can help
you reach your financial goals:
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Financial planning
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Retirement planning
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Cash flow and debt management
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College funding
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Asset allocation and investment advice
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Financial seminars for employees or organizations
Here is what we will not do:
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Accept fees, commissions, products or services from anyone other than you,
the client
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Take custody or control of your assets
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Refuse to help you because your portfolio is too small
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Prepare your income tax returns
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Provide estate tax advice. We strongly encourage you to have a will
prepared by an attorney qualified in such matters.
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Sell securities or insurance products to you
We offer a free, no obligation, initial
consultation to give you a chance to get to know us. If we mutually agree
to go forward with an engagement, we will tell you the estimated costs for
our services before we begin.
It is said that most investors spend more time
planning their next vacation than they do planning to meet their financial
goals. I know you probably pay someone to repair your automobile, fix the
plumbing or repair the air conditioner in your home. Does it make sense to
add a financial planner to the list of people who can help you? We would be
honored to help you along the way to your financial freedom and security. |
