This Disclosure document is being offered to you by Rik Saylor Financial, Inc. (“Rik Saylor Financial” or
“Firm”) about the investment advisory services we provide. It discloses informa;on about our services
and the way those services are made available to you, the client.
Rik Saylor Financial, Inc. became a registered investment adviser in 2012 and is owned by Rik Saylor
(90%) and Eric Hamberg (10%). Rik Saylor is the Chief Compliance Officer.
We are commi`ed to helping clients build, manage, and preserve wealth. We provide services that
help clients to achieve their stated financial goals. We will offer an ini;al complimentary mee;ng upon
our discre;on; however, investment advisory services are ini;ated only afer you and Rik Saylor
Financial execute an Investment Management Agreement.
INVESTMENT & WEALTH MANAGEMENT & SUPERVISION
We manage advisory accounts on a discre;onary basis. In discre;onary accounts, once we have
determined a profile and investment plan with a client, we will execute the day-to-day transac;ons
without seeking prior client consent but within the expected investment guidelines.
Porholios will be designed to meet a par;cular investment goal, determined to be suitable to the
client’s circumstances. During personal discussions with clients, we determine the client’s objec;ves,
;me horizons, risk tolerance, and liquidity needs. As appropriate, we also review a client’s prior
investment history, as well as family composi;on and background. Based on client needs, we develop
a client’s personal profile and investment plan. We then create and manage the client’s investments
based on that policy and plan. It is the client’s obliga;on to no;fy us immediately if circumstances have
changed with respect to their goals.
Once we have determined the types of investments to be included in a client’s porholio and have
allocated the assets, we provide ongoing investment review and management services.
We primarily allocate client assets among ETF’s, equity securi;es, warrants, corporate debt securi;es,
commercial paper, municipal securi;es, investment company securi;es, US Government securi;es,
op;ons, and other alterna;ve investments. Alterna;ve Investments represent asset classes outside
the realm of tradi;onal stocks, bonds, and mutual funds. ETFS and cash equivalents and include, among
other things, private equity, venture capital, and funds of private funds. Where determined suitable
for a client, Rik Saylor Financial will u;lize or otherwise recommend alterna;ve investments, which
may include, but are not limited to, private funds. In most cases, at least a par;al cash balance will be
maintained in a money market account so that our firm may debit advisory fees for our services related
to this service.
With our discre;onary rela;onship, we will make changes to the porholio, as we deem appropriate, to
meet client financial objec;ves. We trade these porholios based on the combina;on of our market
views and client objec;ves, using our investment process. We tailor our advisory services to meet the
needs of our clients and seek to ensure that your porholio is managed in a manner consistent with
those needs and objec;ves. Clients have the ability to leave standing instruc;ons with us to refrain
from inves;ng in par;cular industries or invest in limited amounts of securi;es.
Where appropriate, we provide advice about any type of legacy posi;on held in client porholios.
Typically, these are assets that are ineligible to be custodied at our primary custodian. Clients will
engage us to advise on certain investment products that are not maintained at their primary custodian,
such as variable life insurance, annuity contracts, and assets held in employer-sponsored re;rement
plans and qualified tui;on plans (i.e., 529 plans).
You are advised and expected to understand that our past performance does not guarantee future
results. Specific market and economic risks exist that adversely affect an account’s performance. This
could result in capital losses in your account.
The following are plahorms we u;lize in conjunc;on with our investment and wealth management and
supervision:
ADVYZON TECHNOLOGIES
We have contracted with Advyzon to u;lize its technology plahorms to support data
reconcilia;on, performance repor;ng, fee calcula;on and billing, research, Client database
maintenance, quarterly performance evalua;ons, payable reports, website administra;on,
trading plahorms, and other func;ons related to the administra;ve tasks of managing Client
accounts. Due to this arrangement, Advyzon will have access to Client accounts, but Advyzon
will not serve as an investment advisor to our Clients. Rik Saylor Financial and Advyzon are
non-affiliated companies. Advyzon charges our Firm an annual fee for each account
administered by Advyzon. Please note that the fee charged to the Client will not increase due
to the annual fee Rik Saylor Financial pays to Advyzon; the annual fee is paid from the por;on
of the management fee retained by Rik Saylor Financial.
PONTERA - PARTICIPANT ACCOUNT MANAGEMENT (DISCRETIONARY)
We u;lize the third-party plahorm Pontera to facilitate the management of held-away assets,
such as defined contribu;on plan par;cipant accounts, with discre;on. The plahorm allows
us to avoid being considered to have custody of Client funds since we do not have direct access
to Client log-in creden;als to affect trades. We are not affiliated with the plahorm in any way
and receive no compensa;on from them for using their plahorm. A link will be provided to the
Client, allowing them to connect an account(s) to the plahorm. The Adviser will review the
current account alloca;ons once the Client account(s) is connected to the plahorm. When
deemed necessary, the Adviser will rebalance the account considering client investment goals
and risk tolerance, and any change in alloca;ons will consider current economic and market
trends. The goal is to improve account performance over ;me, minimize loss during difficult
markets, and manage internal fees that harm account performance. Client account(s) will be
reviewed at least quarterly and alloca;on changes will be made as deemed necessary.
CONSULTING SERVICES
We also provide clients investment advice on a more-limited basis on one or more isolated areas of
concern such as estate planning, real estate, re;rement planning, or any other specific topic.
Addi;onally, we provide advice on non-securi;es ma`ers about the rendering of estate planning,
insurance, real estate, and/or annuity advice or any other business advisory / consul;ng services for
equity or debt investments in privately held businesses. In these cases, clients will be required to select
their own investment managers, custodian, and/or insurance companies for the implementa;on of
consul;ng recommenda;ons. If client needs include brokerage and/or other financial services, we will
recommend the use of one of several investment managers, brokers, banks, custodians, insurance
companies, or other financial professionals ("Firms"). Consul;ng clients must independently evaluate
these Firms before opening an account or transac;ng business and have the right to effect business
through any firm they choose. Clients have the right to choose whether or not to follow the consul;ng
advice provided.
Addi;onally, we use an unaffiliated third-party plahorm, RMS, to facilitate management of held away
assets such as defined contribu;on plan par;cipant accounts, with discre;on. The plahorm allows us
to avoid
being considered to have custody of Client funds since we do not have direct access to Client
log-in creden;als to affect trades. A link will be provided to the Client allowing them to connect an
account(s) to the plahorm. Once Client account(s) is connected to the plahorm, Adviser will review the
current account alloca;ons. When deemed necessary, Adviser will rebalance the account considering
client investment goals and risk tolerance, and any change in alloca;ons will consider current economic
and market trends. The goal is to improve account performance over ;me, minimize loss during difficult
markets, and manage internal fees that harm account performance. Client account(s) will be
periodically, but no less than annually, and alloca;on changes will be made as necessary.
The following are plahorms we u;lize in conjunc;on with our consul;ng services:
FINANCIAL INSTITUTION CONSULTING SERVICES – RETIREONE
Our firm has an agreement(s) with broker-dealers to provide investment consul;ng services to
Brokerage Customers. Broker-dealers pay compensa;on to our firm for providing investment
consul;ng services to Customers. This consul;ng arrangement does not include assuming
discre;onary authority over Brokerage Customers’ brokerage accounts or the monitoring of
securi;es. These consul;ng services offered to Brokerage Customers may include a general
review of Brokerage Customers’ investment holdings, which may or may not result in our
investment adviser representa;ves making specific securi;es recommenda;ons or offering
general investment advice. Brokerage Customers will execute a wri`en advisory agreement
directly with Rik Saylor Financial. This rela;onship presents conflicts of interest. Poten;al
conflicts are mi;gated by Brokerage Customers consen;ng to receive investment consul;ng
services from Rik Saylor Financial; by Rik Saylor Financial not accep;ng or billing for addi;onal
compensa;on on broker/dealers’ Assets Under Management beyond the consul;ng fees
disclosed in Item 5 in connec;on with the investment consul;ng services; and by Rik Saylor
Financial not engaging as, or holding itself out to the public as, a securi;es broker/dealer. Our
firm is not affiliated with any broker/dealer.
FINANCIAL PLANNING
Through the financial planning process, our team strives to engage our clients in conversa;ons around
the client’s goals, objec;ves, priori;es, vision, and legacy – both for the near term as well as for future
genera;ons. With the unique goals and circumstances of each client in mind, our team will offer
financial planning ideas and strategies to address the client’s holis;c financial picture, including estate,
income tax, charitable, cash flow, wealth transfer, and client legacy objec;ves. Our team partners with
our client’s other advisors (CPAs, Enrolled Agents, Estate A`orneys, Insurance Brokers, etc.) to ensure
a coordinated effort of all par;es toward the client’s stated goals. Such services include various reports
on specific goals and objec;ves or general investment and/or planning recommenda;ons, guidance to
outside assets, and periodic updates. A wri`en evalua;on of each client's ini;al situa;on or Financial
Plan is provided to the client.
Our specific services in preparing your plan may include:
• Review and clarifica;on of your financial goals
• Assessment of your overall financial posi;on including cash flow, balance sheet,
investment strategy, risk management, and estate planning
• Crea;on of a unique plan for each goal you have, including personal and business real
estate, educa;on, re;rement or financial independence, charitable giving, estate
planning, business succession, and other personal goals
• Development of a goal-oriented investment plan, with input from various advisors to our
clients around tax sugges;ons, asset alloca;on, expenses, risk, and liquidity factors for
each goal. This includes IRA and qualified plans, taxable, and trust accounts that require
special a`en;on
• Design of a risk management plan including risk tolerance, risk avoidance, mi;ga;on, and
transfer, including liquidity as well as various insurance and possible company benefits;
and
• Crafing and implementa;on of, in conjunc;on with your estate and/or corporate
a`orneys as tax adviser, an estate plan to provide for you and/or your heirs in the event
of an incapacity or death
For our CEPA business planning clients, our Firm offers an Engagement Planning Retainer, which
includes coaching of intellectual property, tools, books, audio CDs, PowerPoint presenta;ons, and
analysis reports specifically tailored to clients’ needs. This planning process centers around a roadmap
that is discussed, prepared, and clarified with the client. The roadmap will then direct the client's
educa;onal examina;on process.
The following are plahorms we u;lize in conjunc;on with our financial planning services:
HOLISTIPLAN – TAX PLANNING SERVICES
Holis;plan is a tax planning sofware that may uncover poten;al tax strategies designed to
help mi;gate tax burden in re;rement and beyond.
DISCLOSURE REGARDING ROLLOVER RECOMMENDATIONS
A client or prospect leaving an employer typically has four op;ons regarding an exis;ng re;rement plan
(and may engage in a combina;on of these op;ons): (i) leave the money in the former employer’s plan,
if permi`ed, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are
permi`ed, (iii) rollover to an Individual Re;rement Account (“IRA”), or (iv) cash out the account value
(which could, depending upon the client’s age, result in adverse tax consequences). Our Firm may
recommend an investor roll over plan assets to an IRA for which our Firm provides investment advisory
services. As a result, our Firm and its representa;ves may earn an asset-based fee. Our Firm therefore
has an economic incen;ve to encourage a client to roll plan assets into an IRA that our Firm will
manage, which presents a conflict of interest. To mi;gate the conflict of interest, there are various
factors that our Firm will consider before recommending a rollover, including but not limited to: (i) the
investment op;ons available in the plan versus the investment op;ons available in an IRA, (ii) fees and
expenses in the plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the
plan’s investment professionals versus those of our Firm, (iv) protec;on of assets from creditors and
legal judgments, (v) required minimum distribu;ons and age considera;ons, and (vi) employer stock
tax consequences, if any. All rollover recommenda;ons are reviewed by our Firm’s Chief Compliance
Officer and remains available to address any ques;ons that a client or prospec;ve client has regarding
the oversight.
We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice
to you regarding your re;rement plan account or individual re;rement account, we are also fiduciaries
within the meaning of Title I of the Employee Re;rement Income Security Act and/or the Internal
Revenue Code, as applicable, which are laws governing re;rement accounts. We have to act in your
best interest and not put our interest ahead of yours. At the same ;me, the way we make money
creates some conflicts with your interests.
WRAP FEE PROGRAM
Our firm does not sponsor a Wrap Fee Program.
ASSETS
As of December 31, 2023, we provide con;nuous management services for $143,188,073 in client
assets on a discre;onary basis.