What does ongoing planning actually look like?
Planning isn't a once-a-year meeting. Our service calendar lays out the topics we work through together month by month, from tax document gathering and the annual insurance and beneficiary rotation to a mid-year summary, benefit review, RMD processing, and wealth transfer conversations, with investment management and tax loss harvesting ongoing throughout.
View the Service CalendarChoosing an advisor? Ask better questions.
A one-page list of questions worth bringing to a first meeting with any advisor you're evaluating, so you understand how they work before you decide.
Download the 10 QuestionsRetirement and retirement accounts
Decisions about when to file, what to convert, and how a plan is built and reviewed.
Top 15 Retirement Plan Questions
Fifteen questions for anyone responsible for a workplace plan, covering the investment policy statement, committee oversight, fiduciary responsibilities, plan costs and how they're allocated, participant communication, and whether the advisor works at the employee level too.
View the Questions ChecklistFiling for Social Security
A step-by-step checklist for the filing itself: confirming your earnings history, submitting through SSA.gov, which notices to watch for, verifying your first payment and direct deposit, what records to keep, and staying alert to impersonation scams.
Download the Checklist FlowchartShould I Consider a Roth Conversion?
A decision flowchart covering the factors that affect whether a conversion is worth exploring: whether you'll need the distributions, the five-year rule, expected future tax rates, income-tested programs such as IRMAA and ACA subsidies, your beneficiaries, and whether cash outside the account can cover the tax.
Download the Guide Rule changesSECURE Act 2.0: Important Issues to Consider
What changed and who it touches, including required minimum distribution start ages by birth year, planning windows before RMDs begin, qualified longevity annuity contracts, and the treatment of employer matching contributions.
Download the GuideTax planning
What income counts, what to gather, and which rules changed this year.
AGI / MAGI Summary Guide
A single-page map of what's included in and deducted from adjusted gross income, what gets added back for MAGI, and which items phase out as MAGI rises, from Roth contributions and IRMAA surcharges to the premium tax credit and the SALT cap.
Download the Guide Checklist2025 Tax Return Document Checklist
What to collect before you file, organized as questions: self-employment and QBI documentation, retirement and HSA or 529 contributions, charitable gifts including non-cash valuations, significant medical expenses, and more.
Download the Checklist Rule changesOBBBA: Important Issues to Consider
Where the new law touches everyday decisions, including vehicle loan interest deductibility and its income phase-outs, and the Premium Tax Credit's MAGI cliff for Marketplace coverage.
Download the Guide FlowchartIs My Rental Property Tax Deductible?
A flowchart that works through the 14-day rental and personal-use thresholds, when a property is treated as personal, mixed, or rental use, how expenses get allocated, suspended passive activity losses, and the real estate professional hours test.
Download the FlowchartBusiness and practice owners
Plan design while you own it, and the questions that surface when you're ready to step away.
Planning for the Sale or Succession of Your Business
What to work through before a valuation, including unresolved liabilities and disputes, expenses that sit above or below market, income that swings year to year, and revenue concentrated in a handful of clients.
Download the Guide Comparison chartCommon Retirement Plans for Small Business Owners
A side-by-side comparison of the Solo 401(k), safe harbor 401(k), 401(k) profit sharing plan, SIMPLE IRA, and SEP IRA: who can participate, what participants can defer, what the employer must contribute, and the aggregate annual limits.
View the ComparisonEarly career, income and debt
The decisions that come first, when training ends and income changes shape.
Paying Off Student Loans: What Should I Consider?
Questions to work through before you commit to a repayment path: federal versus private terms, enrollment and grace periods, whether consolidation or refinancing helps, how a career move affects eligibility for profession-based relief, and what cosigning means for you.
Download the Guide Also in tax planningAGI / MAGI Summary Guide
Worth reading as soon as income starts climbing: the same MAGI figure drives Roth contribution eligibility, the student loan interest deduction, IRMAA surcharges, and several other phase-outs.
Download the GuideEstate, family and life transitions
Structures, paperwork, and the practical steps that follow a hard week.
Common Trusts: A Summary Guide
A reference table for the trusts that come up most in conversation, including revocable living, marital (A), bypass (B), SLAT, and QTIP: how each is formed, whether it can be modified, its grantor status, and what it's primarily used for.
View the Guide ChecklistWhat Documents Should I Keep on File?
How long to hold on to what, and why: tax returns and supporting records, HSA and medical receipts, Medicare summary notices and creditable coverage letters, and the five years of statements a Medicaid look-back can require.
Download the Checklist ChecklistFinancial Considerations After the Loss of a Loved One
Most decisions can wait. This checklist covers the few that may not, including funeral arrangements and any instructions left in advance, requesting certified copies of the death certificate, securing property, locating wills, trusts and policies, and keeping a record of who has been contacted.
Download the ChecklistThese resources are provided for general informational and educational purposes and should not be considered individualized investment, tax, or legal advice. Rules and figures referenced in each guide reflect the date it was prepared and may change. Talk with a qualified professional about your own situation, and see the market commentary for RFG's current view.
Let's talk about what's next
This starts as a conversation, not a pitch. Tell us a little about your situation and Todd will follow up personally.