RoseCap Services
Portfolio Management
RoseCap’s job as portfolio manager is not to speculate on short-term market movements with your money.
That would be gambling and puts your financial goal at risk of incorrectly assessing future outcomes. Rather, our role as an advisor is to focus on the portfolio actions that can be controlled and will add value to your portfolio with certainty.
These include:
- Minimizing Taxes
- Minimizing Fees
- Managing Risk
- Appropriate asset allocation for your goal(s)
- Diversifying across asset classes & sectors
- Periodic rebalancing
RoseCap is a CPA-owned firm, therefore our portfolio management processes emphasize the tax efficiency of client portfolios. We also limit fees for clients by performing the portfolio management services in-house and as part of our investment advisory fee. This prevents the layering of fees that clients might experience when their investment advisor “outsources” the portfolio management decisions through the use of active mutual funds, sub‐advisors, and/or separately managed accounts (SMAs). Not only does this save clients money, but this allows RoseCap to have better control over the asset allocation (risk), and the tax efficiency of our client portfolios, and if clients want to speak to the portfolio manager they can just call us directly.
Financial Planning
Our approach to financial planning is all about helping you make the right financial decisions for your future.
The first step in our financial planning process is to understand your financial goals. Once that is accomplished, everything we do thereafter is about giving you the highest probability of achieving those financial goals. This is our mission statement!
BENEFITS OF A ROSECAP FINANCIAL PLAN
- Customized to your specific financial goals.
- Communicates actionable strategies in an easy-to-understand format.
- Provides advice on a myriad of topics, including social security, tax planning, healthcare planning, insurance, estate planning, and more.
Tax & Accounting
Providing tax services is not just about preparing tax returns.
Our job is to help you minimize your taxes by thoroughly reviewing your financial situation and taking action before your return is filed. We perform tax planning meetings with clients toward the end of the tax year to make sure we have a solid plan in place that will not just minimize current-year taxes, but also reduce taxes in future years. This includes less taxation of social security benefits, lower taxable income for calculating Medicare premiums, planning distribution strategies from IRAs, and many other strategies.
ACCOUNTING SERVICES
Businesses change very quickly. Success often requires the ability to adapt to evolving customer needs and capitalize on opportunities quickly. At RoseCap we provide services from daily bookkeeping to outsourced CFO services, all to reduce the amount of time you spend on accounting processes and free you up to grow.
Retirement Plans
RoseCap Financial specializes in providing retirement plans to the businesses that employ the hard-working people who make our community work.
As an independent Registered Investment Advisor, we provide plan design, onsite employee education, and investment advisory services to businesses of all shapes and sizes.
At RoseCap Financial we stand with you as fiduciary for the plan and do our best to provide high-level services for the plan at a cost-efficient price.
