Business Details
6 Years
experience
Trusted Financial Advisers in Beachwood, OH
At Ridgevale Financial Planning Financial Planning, we are dedicated to empowering small-business owners through comprehensive financial planning and wealth management solutions. With over two decades of experience, our team specializes in addressing the unique challenges faced by entrepreneurs, from tax-advantaged retirement plans to business protection strategies. As a fiduciary, we prioritize your best interests, offering CERTIFIED FINANCIAL PLANNER expertise and SEC-registered investment advisory services. Our approach combines personalized financial planning, tax-efficient investment strategies, and succession planning to ensure both personal financial security and long-term business sustainability.Founded in 2020, our practice builds upon extensive industry experience, including CFP certification since 2008 and $6 billion in client assets under management through our affiliation with Dynamic Wealth Advisors. We demonstrate trustworthiness through transparent fee structures, adherence to ethical standards, and collaborative partnerships with legal and tax professionals to deliver holistic solutions.
Services
Financial Planning
Investment Management
Retirement Planning
Tax Efficiency Strategies
Succession Planning
Estate Planning
Wealth Management
401(k) Setup
Business Protection
Portfolio Rebalancing
Details
- Year established: 2020
Highlights and features
- We operate as fiduciaries, legally obligated to act in your best interest at all times
- Our team includes a CFP professional with 20+ years of independent advisory experience
- We hold the Certified Plan Fiduciary Advisor designation for retirement plan expertise
- Affiliated with an SEC-registered RIA managing $6 billion in client assets
- Offer personalized financial planning integrated with tax-efficient investment strategies
Associations and certifications
- CERTIFIED FINANCIAL PLANNER Board of Standards
- NAPA Certified Plan Fiduciary Advisor
- SEC Registered Investment Advisor
Services
Financial Planning
Our comprehensive financial planning process organizes your financial situation, establishes accountability through goal tracking, and provides objective guidance. We focus on tax strategies, estate planning, retirement income, and cash flow management. Our interactive approach ensures ongoing adjustments to maintain alignment with your evolving needs and market conditions.
Investment Management
We implement disciplined investment strategies emphasizing tax efficiency through loss harvesting and asset location. Our approach utilizes low-cost ETFs, systematic rebalancing, and customized municipal bond portfolios. Fees decrease with account size, starting at 1.35% for the first $500,000 and reducing to 0.20% for assets exceeding $20 million.
Retirement Planning
Specializing in retirement plans for business owners, we establish 401(k) profit-sharing arrangements with flexible employer contributions. Our strategies maximize retirement savings while offering employee benefits. We integrate Social Security optimization and estate planning to create comprehensive retirement solutions tailored to business owners' unique needs.
Succession Planning
We develop structured succession strategies including gradual ownership transfers and estate planning integration. Working with legal and tax professionals, we create buy-sell agreements and key person insurance solutions. Our approach ensures business continuity while minimizing tax impacts during ownership transitions to subsequent generations.
Tax Efficiency Strategies
Our tax-efficient strategies include direct indexing, asset location optimization, and municipal bond portfolios. We coordinate cash flow management across taxable and non-taxable accounts while incorporating charitable giving strategies like donor-advised funds. These approaches aim to minimize tax liabilities across both investment portfolios and overall financial plans.
People
Ryan C. Olds
Founder & CFP Professional
Ryan founded Ridgevale Financial Planning Financial Planning in 2020 with over 20 years of independent advisory experience. He earned his CFP certification in 2008 and graduated from Ohio University with a Finance degree. Ryan specializes in helping business owners navigate complex financial planning challenges.
Questions
Is there a minimum investment requirement?
We do not have a formal minimum investment requirement. Our decision to work with clients is based on our ability to provide meaningful value regardless of portfolio size.
Are you legally required to act as a fiduciary?
Yes, as a CFP professional, we have a fiduciary duty to place client interests above our own at all times when providing financial advice.
What services do you offer business owners?
We specialize in retirement plans for business owners, succession planning, tax-efficient investing, and business protection strategies including key person insurance and buy-sell agreements.
How are investment management fees structured?
Our fees decrease as portfolio value increases, starting at 1.35% for the first $500,000 and reducing to 0.20% for assets exceeding $20 million. All household accounts are combined for fee calculation.
What planning processes do you use?
Our financial planning process emphasizes organization, accountability, objectivity, proactivity, education, and partnership. Investment management focuses on tax efficiency, low-cost ETFs, systematic rebalancing, and cash flow coordination.
