Services & Fees

Financial planning

At Ruda Financial, clients receive personalized guidance on:

Tax-Efficient Planning

  • Strategies to reduce current and future tax liability

  • Capital gains and tax-loss harvesting strategies

  • Roth IRA conversions and backdoor Roth contributions

  • Charitable giving strategies, including donor-advised funds and Qualified Charitable Distributions (QCDs)

Debt & Financing Strategy

  • Evaluating financing options for home purchases, renovations, or large expenses

Retirement Planning & Wealth Building

  • Retirement savings strategies, account consolidation, and investment allocation

  • Investment management designed to balance growth with tax efficiency

  • Income smoothing strategies for peak-earning years

Family & Legacy Planning

  • Education planning with 529s and other savings tools

  • Estate and wealth transfer strategies

Investment Management

Ruda Financial includes investment management for all ongoing planning clients.
Professional investment management helps ensure your assets are properly allocated across retirement and taxable accounts so you can manage risk effectively and stay on track toward your financial goals.

Are These Services For You?

These services are designed for individuals who want to make confident, informed financial decisions. You may benefit if you:

  • Are looking to lower your tax burden with forward-looking strategies

  • Want to proactively plan for retirement or other major life goals

  • Want to get the most from federal or employer-sponsored benefits

  • Are exploring early retirement due to a buyout, downsizing, or career change

  • Are navigating what to do with an inheritance or unexpected windfall

  • Want to plan for tax-efficient wealth transfers to future generations

  • Prefer a steady, personalized financial plan over high-risk investing

Ruda Financial can help you move forward with clarity, strategy, and support. Whether you're ready to act or unsure how to begin, expert guidance is here to help.

Planning Packages

Ruda Financial offers transparent, straightforward pricing. Clients can choose between short-term advisory projects and ongoing support.

Project-based Financial Planning

Ideal for clients seeking expert guidance on a specific goal, decision, or life transition.

Process:

Working together over 2–3 months, we will follow a focused, collaborative approach:

  • Discovery meeting to clarify your goals and concerns

  • Organizing session to review and gather relevant financial documents

  • Analysis and modeling using planning software to evaluate your situation

  • Strategy meeting to explore options and discuss trade-offs

  • Plan delivery with clear next steps

  • Written summary to capture findings and recommendations

Fees:

  • Early to mid-career clients: $1,750

  • Retirement-focused clients: $2,500*

    *Higher fees apply for clients nearing retirement due to the added complexity of income planning, healthcare, taxes, and investment transitions.

Ongoing Financial Planning & Investment Management

A comprehensive, long-term partnership to help you grow and manage your wealth with intention.

Ideal for clients who value hands-on support with investments, tax strategy, and periodic plan updates.

What’s Included:

  • Investment management – Customized portfolios, asset allocation, and rebalancing matched to your goals and risk tolerance

  • Initial planning – Gather information, clarify priorities, and set a direction

  • Personalized financial plan – A dynamic roadmap tailored to your life

  • Ongoing reviews – At least 2 in-depth check-ins per year to monitor progress

  • Online dashboard – 24/7 access to updated financial forecasts

  • Direct adviser access – Unlimited communication for questions, updates, or support

Fees:

  • Under $1M in assets under management: $6,500 flat annual fee

  • $1M or more: 0.65% of assets under management