Frequently Asked Questions

• What type of investors do you best serve?
• Do you work on an hourly fee or a commission basis? What do I have to pay you?
• Where are you located?
• Do you offer complimentary financial consultations?
• What kind of investment planning do you offer?
• I’m interested in general financial planning and wealth management. What can you do to help me?
• My big problem is tax planning. Will you work directly with my accountant?
• Can you help me with estate planning?
• What is a Certified Financial Planner^™, and why does it matter?
• Communications are important to me. What kind of reporting do you offer?
• How else can you help me with my financial planning wealth management issues?

The Robert J. Reby & Company team works well with people who are open to new ideas and who understand the importance of asset allocation* in order to conservatively preserve wealth. In particular, we help people who are retiring from long-term corporate careers and have pensions, stock options and 401(k)s.

We also work well with people facing a transition in their lives: widows and widowers, people selling a business, a home or other real estate; even people who are already retired and want a second opinion on their current financial plans.

Robert J. Reby & Company is a fee-based planning firm, which is in the best interest of our clients. We are not motivated to sell you "products" but rather to give you advice — "What we would do if we were you."

Our fees are competitive in the industry and based on your assets under our management.

This means that Robert J. Reby & Company does not sell products that are offered by public firms that may be trying to meet sales quotas. Many times, high-commission products are offered by other firms simply to earn the sales representative more money.

The Reby team offers possible solutions that make sense to you, the client, not to any third party. The Reby team is independent and makes its own recommendations on your behalf.

Robert J. Reby & Company is located in Danbury, Connecticut, and serves clients in the greater Danbury, CT area. Click here for location and hours.

Yes. Simply click here and someone from the Robert J. Reby & Company team will contact you.

Investment planning is one of the Reby team’s core competencies. Among the services offered are the following:

• Asset Allocation*: Design a diversified portfolio that is appropriate for you based on your needs, goals and risk tolerance.
• Investment Vehicles: Specific recommendations as to which product to own in each asset class.
• Monitoring: Constant review of current asset allocation in comparison with the target asset allocation. Recommendations for rebalancing** when necessary.
• Performance: Track specific investment products relative to the index they are competing against.
• Investment Products: Maintain a close relationship with the professional money managers in order to better advise you about specific investment products.
• Returns: Make ongoing recommendations to potentially enhance total return.

For general financial planning and wealth management, we work with you on your goals and hopes for the present and the future. Ongoing general financial planning services to you include:

• Frequent Meetings: Review progress toward your goals, discuss changes in your financial situation and make any recommendations appropriate to furthering your progress.
• Income: Advise you on issues such as where is the best place to take income, required minimum distributions and pension payment choices.
• New Strategies: Communicate to you the potential usefulness of new financial planning strategies (i.e. Roth IRA, 529 College Savings Plans, Stretch IRAs).
• Budgeting: Provide advice to you on issues related to budgeting such as refinancing of mortgages and leasing versus buying a car.
• Long Term Care Planning: Advice on how to protect your assets against unintended invasions of principal due to long-term care needs.

Yes, the Robert J. Reby & Company team works directly with you and your accountant to gauge your tax planning needs and tax planning goals. Plus, you get these tax planning services too:

• Projections: Provide anticipated income information for specific investment accounts. Provide alternatives for managing income for tax purposes.
• Deferral/Reduction: Recommend investment vehicles that will reduce or defer taxation.
• Accountants: Work directly with your accountants regarding tax planning issues.

Yes, estate planning is another of the Reby team’s core services. Estate planning help includes:

• Transfer of Assets: Coordinate re-titling of assets to beneficiaries.
• Evaluation: Provide date of death/alternate date of death valuations.
• Insurance: Life, Long Term Care and Second to Die
• Attorneys: Work directly with your attorneys regarding estate planning and estate transfer issues.

Certified Financial Planners^™ are well prepared to offer a high level of ethical conduct and professional standards in the financial planning advice your receive. In order to obtain this designation, planners must take a rigorous, accredited course of education and testing. CFPs^® are also required to renew their certifications on a regular basis, thus ensuring that you receive the most up-to-date advice in the changing world of finance.

Communications with you are a top priority. Reporting methods for clients include:

• Client Account Performance: Consolidated performance reporting for all accounts under our management, including current values versus net amount invested. Percent increase/decrease since inception and internal rate of return furnished upon request.
• Taxes: Year-end tax information including consolidated 1099 forms; gain/loss reports upon request.
• Asset Allocation: Percentage of assets per asset class for all accounts. Report or graph formats available upon request.
• Secure, encrypted web-based portfolio access for your performance and tax reporting convenience

These services are offered to you so that your financial goals and plans can possibly come to fruition:

• The State of Your Wealth: Periodic lectures on the current state of the market and how it relates to specific investment classes, products or vehicles.
• The Conservative Wealth Preservation Quarterly Newsletter: Subscription to our quarterly newsletter, which is designed to explain financial strategies in plain English, and provide information on new laws and products that may affect your financial life.
• Conservative Wealth Preservation Monthly E-mail Newsletter: This free financial update newsletter provides you with market news and more! Sign up now!

Ready for a financial consultation? Simply click here!

* Remember, asset allocation does not assure or guarantee better performance and cannot eliminate risk of investment losses.

** There may be tax consequences associated with rebalancing a portfolio for accounts that are not tax-deferred.