Business Details
Your Trusted Financial Planning Partner in Sacramento
At RFS Wealth Advisors, we are dedicated to providing clarity in a complex financial world through personalized planning and institutional-level expertise. Our team combines decades of experience in asset management and financial consulting to deliver tailored strategies that align with each client's unique goals. We prioritize trust, transparency, and service, ensuring clients feel confident in their financial decisions. Our comprehensive approach covers retirement planning, wealth management, employer retirement plans, and risk management, all designed to protect and grow assets while supporting long-term well-being.As independent advisors, we maintain objectivity by offering non-proprietary investment solutions and fee-based asset management. Our commitment extends beyond financial outcomeswe actively engage in community service through local boards and initiatives. With offices in Sacramento and Rocklin, California, we serve individuals and businesses seeking professional guidance to navigate their financial journeys with confidence.
Services
Financial Planning
Wealth Management
Employer Retirement Plans
Insurance/Risk Management
Free Portfolio Risk Analysis
Highlights and features
- We offer decades of institutional-level experience in challenging markets.
- Our team provides fee-based asset management with no hidden commissions.
- We prioritize client interests through transparent, objective financial advice.
- Our customized plans address unique retirement, wealth, and risk management needs.
- We combine professional expertise with active community involvement and service.
Services
Financial Planning
Our financial planning services create personalized roadmaps to help clients achieve short- and long-term goals. We analyze cash flow, develop savings strategies, and design bespoke investment plans tailored to individual circumstances. With ongoing reviews and adjustments, we ensure clients maintain financial confidence through life's changes.
Wealth Management
Wealth management focuses on growing and protecting assets through diversified investment strategies. Our team designs portfolios matching risk tolerance while seeking tax optimization and estate planning solutions. We provide performance reporting and professional advice to help clients build sustainable wealth for future generations.
Employer Retirement Plans
Employer retirement plans help businesses establish compliant, cost-effective solutions for employees. We analyze existing plans, recommend investment options, and ensure fiduciary responsibility compliance. Our services include employee education programs and customized plan designs to support workforce financial security.
Insurance/Risk Management
Insurance and risk management services safeguard clients against financial uncertainties. We assess life, health, and property risks to create protection strategies using term life insurance, annuities, and long-term care solutions. These plans ensure clients maintain financial stability during unexpected life events.
Free Portfolio Risk Analysis
Free portfolio risk analysis evaluates investment portfolios for risk exposure and diversification effectiveness. This service identifies gaps in current strategies and recommends adjustments to align with financial goals. It provides actionable insights to help clients make informed decisions about their investment security.
People
Jeffrey Schnoebelen
Financial Planner & Partner
Jeff co-founded RFS Wealth Advisors after growing an asset management firm from $100M to $1.5B in assets. He focuses on trust, transparency, and simplifying complex financial concepts. Jeff serves on local investment committees and volunteers in community organizations.
Steven Rau
Financial Planner & Partner
Steve brings practical financial planning expertise and community leadership experience. He previously worked at a major brokerage firm and serves on multiple nonprofit boards. Steve emphasizes client education and philanthropy in his advisory approach.
Emily Rau
Administrative Assistant
Emily supports client services with operational expertise, having worked in customer service roles before joining RFS Wealth Advisors. She assists with account management and client communications while collaborating with her father in the family business.
Questions
What financial planning services do you offer?
We provide personalized financial planning covering retirement strategies, investment management, tax optimization, and estate planning tailored to individual client goals.
How do employer retirement plans work?
We help businesses establish compliant retirement plans by analyzing investment options, fees, and fiduciary responsibilities while providing employee education programs.
What insurance products are available?
We offer term life insurance, annuities, and long-term care solutions to protect against financial risks and ensure family security.
How is your fee-based asset management structured?
Our fee-based model allows portfolio adjustments without commissions, providing simplified reporting and ongoing professional advice based on client objectives.
Do you provide free portfolio analysis?
Yes, we offer a complimentary portfolio risk analysis to evaluate investment security and recommend adjustments aligned with financial goals.
