About Us
Your Wealth, Simplified.
At Rydge, we believe in simplifying the complicated by focusing on your unique 'Y' – the driving force behind your financial aspirations. If we don’t save you time, mental energy, and stress, we aren’t doing our job. We created Rydge Wealth Management out of our passion for helping others achieve their lifelong goals by taking on the responsibility of being your family’s financial advisor. Whether you're in the Bay Area, California, or anywhere across the United States, we're here to support you.
At the core of our business is a firm belief that providing excellent service requires an ongoing relationship, one that we're proud to have with you and your family. By understanding your 'Y,' we create tailored financial strategies that align with your personal and professional goals, ensuring your financial journey is as unique as you are.
Within the multitude of financial planning disciplines, we focus on these primary areas:
Executive planning for highly compensated employees with a heavy focus on stock options
The unique opportunities available to small business owners
Life transitions, whether it be as a result of a death, divorce, inheritance, or some other unforeseen circumstance
It’s better to look ahead and prepare than to look back and regret.
– Jackie Joyner-Kersee
FAQs
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Investing is about allocating your financial resources to productive businesses and sharing, over the long term, in the value they create for society. We do not believe in timing the market, we believe the market is efficient, and that a diversified portfolio of low-cost index funds and active mutual funds (where appropriate) are the most suitable tools for helping you reach your goals.
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It starts with designing your investment allocation. We will then move to the implementation phase, and once the desired allocation has been achieved, your portfolio will then be reviewed and rebalanced as needed to maintain the appropriate allocation.
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After our initial discovery call we will set up a longer data gathering meeting to get a clear idea of your finances. We then prepare a scope on engagement & proposal for you to decide whether you would like to move forward with our full financial analysis and plan. This analysis will be presented to you and you can either take the plan and implement the action items on your own (which would have a flat rate fee) or if you would like us to continue to assist in managing your financial affairs we will waive the analysis fee and take further steps to bring you on as a wealth management client. This would then give you all the benefits found on our Wealth Management page.
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After becoming a wealth management client we will assist in rolling over your accounts and establishing your portfolio based on the allocation that’s right for you. We then meet on an annual or semi-annual basis to do a complete review of your portfolio and to make any updates as needed. We are also available at any time to help answer questions regarding finances, insurance, family, real estate, career, and so much more. We are always here to support you through any of life’s big or small circumstances.
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In most cases, we are compensated via an ongoing advisory fee based on the investments that are directly managed. Our fee schedule can be provided upon request. In rare cases, commissionable products may be utilized if they are appropriate and we will fully disclose our compensation in this event.
In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement.
