Welcome to our website, www.investwithsteve.com founded by Steve Reh.
Need to figure out your financial future?
Looking for expert financial advice?
Need an advisor who looks out for YOUR best interests?
Most people looking for an advisor are concerned with two main issues. One, are you competent to help me? Two, can I trust your recommendations are best for me?
I understand that my clients are placing trust in my expertise and recommendations and I take that trust very seriously. As a fee-only Financial Advisor, I help you reach important goals such as financial security and independence, retirement goals, multi-generational goals, family goals, and many other goals that are important to you.
Why I am qualified to help you? Why should you want BOTH a Certified Financial Planner (CFP®) and CFA® Charterholder?
As a Financial Advisor that is both a Certified Financial Planner CFP® and CFA® Charterholder, I help people reach their financial goals using academically proven solutions! The CFP® and CFA® Charter are the most prestigious and rigorous designations a financial advisor can obtain. If I personally was looking for a financial advisor I would want someone who has both designations.
Why? It’s fairly simple. The CFA® Charter is perhaps the most rigorous investment and wealth management designation you can obtain. It goes into greater depth in the investment world than the CFP® curriculum (while the CFP® curriculum does have great investment training, it is not as deep or thorough as the CFA® curriculum). The CFP® designation, provides a more broad based coverage of a variety of important holistic topics that affect people’s lives. The program goes into depth on insurance planning, estate planning, retirement planning, employee benefits planning, asset and liability planning (net worth), and nearly every area that can affect an individual. It’s a much broader curriculum. The combination of the two designations I feel provides a great foundation to provide excellent financial planning and investment management for my clients.
According to CA filings (Source):
Less than 6% of Financial Advisors in California are a CFP®
Less than 1% of Financial Advisors in California are CFA® Charterholders
As a fiduciary, I act in your best interest
When choosing my business model, I chose the fee-only, fiduciary model. Why? As a fiduciary, I am required to act in my clients’ best interests. Many stock brokers and insurance agents who engage in financial services are held to a lower suitability standard. Many CERTIFIED FINANCIAL PLANNERTM PROFESSIONALS are a fiduciaries while creating a financial plan for you, but when it comes to implementing, they substitute the suitability standard in selecting investments for your plan. It’s important to ask your advisor if they ALWAYS act as a fiduciary. If I were personally looking for an advisor, I want someone who acts as a Fiduciary at ALL TIMES.
It’s pretty simple. I want my clients to know that when I make a recommendation it is not tainted by my compensation from the transaction. I also wanted it easy for my clients to understand how I am paid. You know how your CPA is paid. You know how your attorney is paid. I think you should know exactly how much I am paid to help you.
For example, one conflict in the financial services field is that many financial planners may make a higher commission selling an equity indexed annuity or a whole life insurance policy than if they recommended a different product. The concern is that the financial planner, even possibly unknown to them, may be biased by the higher earnings of the higher commissioned product.
When we provide you advice on one investment vs another investment our compensation is unaffected by our advice (in rare cases where it does, we will let you know and it’s easy to identify when it affects our compensation). When we make recommendations on your life insurance, property and casualty insurance, or any of your additional planning you will know our advice is not biased by a commission on the sale of a product.
Reh Wealth Advisors provides fee-only financial advice that aligns our interests with our clients’ interests. Our compensation is easy to understand, easy to calculate, and easy to see biases, should they occur.
Few Financial Advisors are fee-only
My role is to provide clients with quality analysis that will empower them to make informed decisions regarding their financial future.
Why Independent Research?
I do not work for a large broker dealer where I rely on research that may be biased to sell more products. I buy independent research that allows me to make informed decisions and in my opinion, less biased recommendations.
How can I help you?
As a fee-only Financial Advisor I specialize in comprehensive (holistic) financial planning and investment management that will evolve to meet ever-changing aspects of your life. I help take complex financial jargon and information and simplify it into easy to understand concepts that help you make the correct decision.
– We can help manage your IRAs, trust accounts, SEPs, 401ks, Profit Sharing Plans, Roth IRAs and other investments. I am highly qualified in analyzing portoflios, stocks, bonds, mutual funds, exchange traded funds (ETF’s), and closed-end funds. Check out my articles on mutual funds and exchange traded funds.
The goal of the retirement planning and cash flow analysis is to model your cash inflows and outflows and provide you odds of reaching your goals and changes you can make to increase your odds of reaching your goals including multiple goals such retirement, education, trips, large purchases, bequests, charitable giving etc.
A Net Worth provides a snapshot in time of what you “own” and what you “owe”. Your Net Worth as it changes over time provides great information on how your financial life is progressing. It serves as a score card for how our other planning is working.
We review both contingency planning (what happens in an unexpected death) as well as a multi-generational plan (what and how do you want you assets to pass to children, friends, or charities).
Accumulating and growing assets is important, yet protecting those assets is equally important. We need to ensure you have adequate liability insurance.
For many grandparents, parents, and future parents planning for a child’s education is an integral part of the plan.
With tax planning, we are looking at strategies that can help grow your net worth. We work with your CPA or tax preparer on strategies that can help you save money. When gifting to charity are you giving appreciated property and avoiding capital gains or are you give cash and selling investments and paying taxes?
Call me today at 909-518-2134 or email me at firstname.lastname@example.org to setup your free 1 hour consultation.