Roof Advisory Group recognizes that the financial planning needs of our clients vary dramatically based on their individual situation and personal objectives.
Unlike the cookie cutter approach used by other firms, Roof Advisory Group’s proprietary comprehensive financial planning is designed to address each client’s unique needs on an individual basis, providing customized solutions with detailed recommendations and specific action steps.
Areas of focus for a financial planning engagement can address broader concerns such as:
Most often, clients need the firm’s expertise in quantifying and prioritizing how to best address their unique combination of issues and objectives. Whether the initial engagement is a basic ‘financial check-up’ or a detailed analysis of various retirement funding scenarios, Roof Advisory Group’s planning clients know they are receiving professional and unbiased advice from a team of experts that will assist them in reaching their financial goals.
The investment advisory services offered by Roof Advisory Group are custom designed to meet each client’s specific needs. Examples include:
For an individual client, a comprehensive portfolio review is typically paired with the financial planning services listed above to assure a client’s current portfolio structure appropriately complements both near and long term financial objectives. This portfolio evaluation process not only identifies potential investment risk, hidden cost, and inefficient asset structure, it also quantifies specific areas of underperformance versus benchmarked standards and provides step-by-step implementation recommendations to correct whatever deficiency exists.
Institutions, including corporations, associations, not-for-profits, endowments, and foundations engage the firm for comprehensive portfolio reviews and independent, in-depth analysis of their current investment strategy, investment policy and/or portfolio managers. When engaged in this consultative role, the firm maintains its independence and integrity by not pursuing any direct investment management business with the hiring organization during the engagement period.
Another area of professional focus is assisting institutional 401(k)s and other retirement plan sponsors to fulfill their fiduciary needs by providing independent investment reviews and recommendations regarding the retirement plan investment options offered to participants. Whether provided on an ongoing or periodic basis, Roof Advisory Group’s expertise adds both value and peace of mind to plan sponsor and participant alike.
The firm is periodically engaged in providing expert witness analysis and/or testimony in legal matters relating to investment management. Each situation is thoroughly reviewed prior to accepting an engagement to determine if the firm can add substantial value. Past involvement has ranged from assessing the appropriateness of the portfolio management strategy applied to a plaintiff’s account by a large banking/brokerage organization to determining the direct cost/return lost by elderly retirees when sold multiple high-commission products by a less-than-scrupulous insurance representative.