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- Financial Planning
- Investment Management
- Insurance Advice
- Financial Advice
| As needed, we will create an in-depth, written financial plan. This document serves as your guide to help you achieve the financial goals that you set. Our financial planning clients are welcome to become our investment management clients, or the plan can be used by any of your existing managers.
Our clients are welcome to contact us for investment management services, insurance services and general financial advice. |
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| The flexible nature of our firm allows us to work with your existing plan, or a plan we create. Your account can be fee based or commission based account depending on your goals and personal preference. |  |
Expect honest, logic-based guidance for life, long term care, and disability insurance programs. We work with all major carriers to find the right product for your need. Our firm takes extra steps to engineer policies to your situation.
 Our experience and knowledge of the life insurance market is what sets us apart from competitors. Dealing with the prospect of dying can be an emotional experience which can lead to making logical mistakes when purchasing life insurance. Our recommendations are based on factual data and are designed to be cost efficient. Many people overlook the purchase of disability insurance; while it is not an option for everyone’s budget it is important to have an understanding of one’s potential for loss due to an extended disability. Long term care insurance has become a hot topic as the population ages. Due to the high perceived cost involved and the complexity of this marketplace the purchase of long term care insurance should be a guided process. This should include a frank discussion of alternatives and strategies to maximize the benefits while minimizing the cost. |
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| Existing clients are welcome and encouraged to inquire about any financial transaction, from the sale of a home to the purchase of a car. Advanced projects, including estate and tax planning, may require partnering with other professionals.
We are committed to having a solid understanding of our clients’ financial condition so that we can consistently make recommendations that are relevant to our clients’ lives. |
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- Overview
- Scenario: Near Retirement
- Scenario: Irrevocable Trust
- Scenario: Younger Couple
- Scenario: Large Estate
| The flexible nature of our firm allows us to work with your existing plan, or a plan we create. Your account can be fee based or commission based account depending on your goals and personal preference.
At the RF Blair Co. we work under a few basic tenets. These are not hard-and-fast rules, but guidelines that represent our thought process: 1. When appropriate, keep assets as liquid as possible 2. Consolidate accounts when needed 3. Be mindful of immediate and future tax consequences 4. Monitor fees, but the net risk/return ratio is the most important consideration 5. Construct portfolios that minimize long-term volatility 6. Analyze alternatives; some cases dictate a counterintuitive approach. |
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| These clients had thirteen existing investment accounts and an allocation that grossly favored a previous employer's common stock. Qualified stock was rolled into a nonqualified account to take advantage of Net Unrealized Appreciation, which resulted in significant long term tax savings.
The remaining investment accounts were properly allocated according to their goals and risk tolerance. Beneficiary data was updated to ensure that the estate will transfer according to the clients' wishes and the total number of investment accounts was reduced to five. These clients also needed to take income from a portion of their investment accounts. This was addressed by transferring a portion of their investment portfolio to tax free municipal bonds as the clients were in a high tax bracket due to their high level of income. |
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| Our client sold a house that was owned by an Irrevocable Trust. We consulted with multiple accountants and attorneys to ensure the coordination of our efforts and to avoid adverse tax consequences.
The allocation of 100% cash was reallocated to a conservative, diversified portfolio with near equity returns and intermediate term bond volatility. The client’s assets outside of the Irrevocable Trust were managed to increase current level of income without attacking principle. A tax loss was generated on the sale of the existing investments to offset income tax due. |
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| These conservative clients were in their mid 30’s with two young children. Their existing assets included scattered retirement accounts from previous employers and numerous bank accounts. Their portfolio was overly conservative for their objectives. These clients had all of the building blocks to a great plan, but never implemented one.
Funds were reallocated in existing plans, and cash positions were transferred to new investment accounts that addressed goals of college savings and retirement. Accounts were consolidated, where applicable, without surrender charges. We worked with these clients to develop a life insurance portfolio to protect assets and replace either spouse’s income in the event of death. |
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| This client had amassed an estate of nearly six million dollars with assets that included commercial real estate, a personal residence and a large investment portfolio. The client had done work to avoid probate of her estate but still had a potentially large estate tax liability upon death.
We worked with her attorney to place a life insurance policy inside of an Irrevocable Life Insurance Trust to ensure that her heirs would receive as much of her estate as possible without having to sell illiquid assets to pay the estate tax. Additionally, we were able to work with her existing investment portfolio to pay for the life insurance premiums without affecting the cash flow she was accustomed to. |
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