4th River Financial Group
Whether you are just getting started, want to reevaluate where you are along your path to retirement, or you are in retirement, we are here to help you navigate your future. We are also here to help you navigate and save for your family’s future and for college expenses.
At 4th RFG, we start with a very basic premise: You have short term and long-term goals and a tolerance for risk that is unique to you. Beginning with our asset allocation models that combine a wide range of financial products, we work with you to determine an allocation model that satisfies both your objectives and your concern for protecting your money. We want to take the worry out of your retirement or college planning by consistently reviewing and adjusting your portfolio to satisfy where you are on the investing continuum.
We are fee-based financial advisors that are held to a fiduciary standard and our goal is to help you achieve your financial goals whether you are focusing on your personal retirement, family wealth , college saving or growing a business.
What is the Value of Your Business?
Ascertaining the value of your business is important for a variety of reasons.
How Will Working Affect Social Security Benefits?
Knowing the rules may help you decide when to start benefits.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.
There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Understanding how capital gains are taxed may help you refine your investment strategies.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Use this calculator to compare the future value of investments with different tax consequences.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you should be saving for college.
Estimate the total cost in today's dollars of various mortgage alternatives.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
There are some key concepts to understand when investing for retirement
There are a number of ways to withdraw money from a qualified retirement plan.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some smart strategies that may help you pursue your investment objectives
A presentation about managing money: using it, saving it, and even getting credit.
Using smart management to get more of what you want and free up assets to invest.
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
A bucket plan can help you be better prepared for a comfortable retirement.
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
Here’s a crash course on saving for college.