• What are the benefits of using a fee-only advisor?

    Reilly Financial Advisors is compensated solely by a percentage of the assets we manage for our clients. We do not receive commissions on trades nor on products or services selected for clients. We have no surrender charges or administrative costs relating to client accounts. Instead, our fee-only compensation structure allows us to invest based on what we truly believe will help clients reach their financial goals, making decisions exclusively in our clients’ best interest.

  • How does Reilly Financial Advisors charge?

    As a fee-only provider of professional financial services, Reilly Financial Advisors charges a clearly defined fee to our clients. Our broad array of services – including investmentwealth, and relationship management — are covered exclusively by our fee, a percentage of each client’s assets under investment management. Our fee is clearly defined in our initial client meetings, and all statements clearly outline the quarterly management fee charged to accounts.

  • What are the benefits of working with a Registered Investment Adviser (RIA)?

    As an independent Registered Investment Adviser (RIA), Reilly Financial Advisors is independent of any other financial institution and has no proprietary products. Unlike “stock brokers,” RIA firms hold a fiduciary responsibility to always put their clients’ best interest first. Black’s Law Dictionary stipulates: “A fiduciary has a duty to act primarily for the client’s benefit in matters connected with the undertaking and not for the fiduciary’s own personal interest. Scrupulous good faith and candor are always required.” This means that we chose to turn our moral obligation into a legal requirement, always putting our clients’ best interests before all other considerations. We have never regretted this decision and will never modify this obligation to you.

  • Does Reilly Financial Advisors perform investment research in-house?

    Yes. Our investment team adheres to its own proprietary investment strategy. Reilly Financial Advisors proprietary stock selection process incorporates a “20-point inspection,” screening the entire universe of more than 65,000 stocks and going far beyond conventional number crunching to evaluate the fundamentals of companies, such as the skill of management teams in generating profits and the competitive environment of the industry. Our Investment Committee constantly monitors holdings and decides as a team to add or eliminate select positions within our clients’ portfolios. In addition, we use a number of independent third-party research sources when analyzing potential investments and our current holdings.

  • How does Reilly Financial Advisors determine a client’s risk tolerance?

    As part of our wealth management process, Reilly Financial Advisors first helps determine how much money a client will need to reach their financial goals and then determines how much risk the client will need to take to achieve those goals. We believe that many investors take on more risk in their portfolios than they need to take or that they are comfortable taking. Our process is in stark contrast to that of many industry advisors who simply provide clients with a questionnaire regarding risk-related questions and then assign them a level of risk tolerance that fits a pre-packaged portfolio model.

  • Can Reilly Financial Advisors work with my current accounts and holdings?

    Yes. We’re happy to recommend tax-efficient strategies to transition from your current holdings into more suitable positions, if applicable. This can be done immediately and all at once or gradually, depending on your needs and the risks associated with how your current portfolio is constructed.

  • How do I know my investments are safe at Reilly Financial Advisors?

    As an independent Registered Investment Advisor (RIA), Reilly Financial Advisors does not hold custody of your account(s) and is restricted by specific laws and regulations. As such, we do not physically hold your money or your investments; nor do we produce your monthly statements. Instead we use firms such as TD Ameritrade or Charles Schwab as our clients’ custodians to hold money and execute trades. Reilly Financial Advisors and your custodian are separate companies with no overlapping management or control, providing a clean system of checks and balances. Our clients never lose control of their accounts and always have real-time access to their account balances and holdings.

  • How do I know what is happening with my portfolio?

    As a client of Reilly Financial Advisors, you will be kept well informed of our investment decisions and transactions within your accounts. We remain continuously available to meet with our clients in person and/or over the phone, as often as necessary. We provide quarterly reports, periodic market updates and account reviews. You may also easily access your account through the Reilly Financial Advisors secure website or directly through your custodian’s website.

  • What is a Certified Financial Planner (CFP®)?

    The Certified Financial Planner credential is globally recognized and granted after completing a rigorous course of study and a comprehensive exam on financial planning. CFP® professionals must adhere to a rigid code of ethics in order to remain credentialed. Reilly Financial Advisors believes credentials like the CFP® are an important indication of an investment firm’s dedication to excellence and integrity. (Learn more at www.cfp.net)

  • What is a Chartered Financial Analyst (CFA®)?

    A Chartered Financial Analyst is a globally recognized graduate level self-study program for investment professionals. A CFA must initially meet professional requirements before applying and completing the program. In order to gain the designation of CFA, the candidates must have four years of qualified work experience, possess a bachelor’s degree from an accredited institution and pass a series of examinations. On average, the CFA program takes four years to complete. At Reilly Financial Advisors, we believe that the benefits of a CFA are invaluable and add a unique understanding to our team. (Learn more at www.cfainstitute.org)

  • Does the Reilly Financial Advisors’ financial planning process include tax analysis and estate planning?

    Yes. As a wealth manager, Reilly Financial Advisors incorporates a comprehensive financial planning process that takes into consideration all aspects of a client’s financial situation. We have a network of resources to provide legal and insurance services when necessary, including our in-house Certified Public Accountant (CPA), who can provide tax analysis and prepares tax returns for our clients.

  • What is asset allocation?

    Asset allocation is the practice of distributing investments among different types of assets, such as stocks and bonds, to optimize the trade-off between risk and return. Reilly Financial Advisors believes asset allocation is used most effectively when it is oriented to an investor’s specific investment goals and carefully considered personal objectives.

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