Rainsberger Wealth Advisors, Inc. is a SEC-registered investment adviser with its
principal place of business located in CO. Rainsberger Wealth Advisors, Inc. began
conducting business in 1990. Rainsberger Wealth Advisors, Inc.’s AUM for December
2022 was $302,617,566 of which $286,793,609 was under discretionary management
and $15,823,957 was nondiscretionary. As of December 2022, Rainsberger Wealth
Advisors, Inc. had $37,911,866 in assets under advisement.
Listed below are the firm's principal shareholders (i.e., those individuals and/or entities
controlling 25% or more of this company).
• Ellis D Rainsberger, Principal
Rainsberger Wealth Advisors, Inc. offers the following advisory services to our clients:
INVESTMENT SUPERVISORY SERVICES ("ISS")
INDIVIDUAL PORTFOLIO MANAGEMENT
Our firm provides continuous advice to a client regarding the investment of client funds
based on the individual needs of the client. Through personal discussions in which
goals and objectives based on a client's particular circumstances are established, we
develop a client's personal investment policy and create and manage a portfolio based
on that policy. During our data-gathering process, we determine the client’s individual
objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also
review and discuss a client's prior investment history, as well as family composition and
background.
We manage these advisory accounts on a discretionary or non-discretionary basis.
Account supervision is guided by the client's stated objectives (i.e., maximum capital
appreciation, growth, income, or growth and income), as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of
securities, or industry sectors.
Our investment recommendations are not limited to any specific product or service
offered by a broker-dealer or insurance company and will generally include advice
regarding the following securities:
• Exchange-listed securities
• Securities traded over-the-counter
• Corporate debt securities (other than commercial paper)
• Certificates of deposit
• Municipal securities
• Mutual fund shares
• United States governmental securities
• Interests in partnerships investing in real estate
Because some types of investments involve certain additional degrees of risk, they will only be
implemented/recommended when consistent with the client's stated investment objectives,
tolerance for risk, liquidity and suitability.
INVESTMENT SUPERVISORY SERVICES ("ISS")
MODEL PORTFOLIO MANAGEMENT
Our firm provides portfolio management services to clients using model asset allocation
portfolios. Each model portfolio is designed to meet a particular investment goal. Our
models are available upon request.
We manage these advisory accounts on a discretionary or non-discretionary basis.
Account supervision is guided by the client's stated objectives (i.e., maximum capital
appreciation, growth, income, or growth and income), as well as tax considerations.
Through personal discussions with the client in which the client's goals and objectives
are established, we determine if the model portfolio is suitable to the client's
circumstances. Once we determine the suitability of the portfolio, the portfolio is
managed based on the portfolio's goal, rather than on each client's individual needs.
Clients, nevertheless, have the opportunity to place reasonable restrictions on the types
of investments to be held in their account. Clients retain individual ownership of all
securities.
Our investment recommendations are not limited to any specific product or service
offered by a broker dealer or insurance company and will generally include advice
regarding the following securities:
• Exchange-listed securities
• Securities traded over-the-counter
• Corporate debt securities (other than commercial paper)
• Certificates of deposit
• Municipal securities
• Mutual fund shares
• United States governmental securities
• Interests in partnerships investing in real estate
Because some types of investments involve certain additional degrees of risk, they will
only be implemented/recommended when consistent with the client's stated investment
objectives, tolerance for risk, liquidity and suitability.
To ensure that our initial determination of an appropriate portfolio remains suitable and
that the account continues to be managed in a manner consistent with the client's
financial circumstances, we will:
1. send quarterly written reminders to each Model Portfolio Management Services client
requesting any updated information regarding changes in the client's financial situation
and investment objectives;
2. at least annually, contact each participating client to determine whether there have
been any changes in the client's financial situation or investment objectives, and
whether the client wishes to impose investment restrictions or modify existing
restrictions;
3. be reasonably available to consult with the client; and
4. maintain client information in each client's file.
RETIREMENT PLAN CONSULTING SERVICES
We also provide several advisory services separately or in combination. While the
primary clients for these services will be Retirement Plan, profit sharing and 401(k)
plans,
we offer these services, where appropriate, to individuals and trusts, estates and
charitable organizations. Retirement Plan Consulting Services are comprised of four
distinct services.
Clients may choose to use any or all of these services.
Selection of Investment Vehicles:
We assist plan sponsors in constructing appropriate asset allocation models. We will
then review various mutual funds (both index and managed) to determine which
investments are appropriate to implement the client's objectives. The number of
investments to be recommended will be determined by the client.
Monitoring of Investment Performance:
We monitor client investments continually. Although our firm is not involved in any way
in the purchase or sale of these investments, we supervise the client's portfolio and will
make recommendations to the client as market factors and the client's needs dictate.
Employee Communications:
For Retirement Plan, profit sharing and 401(k) plan clients with individual plan
participants exercising control over assets in their own account (''self-directed plans''),
we also provide additional educational support and investment workshops designed for
the plan participants when the plan sponsor engages our firm to provide these
services. The nature of the topics to be covered will be determined by us and the client
under the guidelines established in ERISA Section 404(c). The educational support and
investment workshops will NOT provide plan participants with individualized, tailored
investment advice or individualized, tailored asset allocation recommendations.
FINANCIAL PLANNING
We provide financial planning services. Financial planning is a comprehensive
evaluation of a client’s current and future financial state by using currently known
variables to predict future cash flows, asset values and withdrawal plans. Through the
financial planning process, all questions, information and analysis are considered as
they impact and are impacted by the entire financial and life situation of the client.
Clients purchasing this service receive a written report which provides the client with a
detailed financial plan designed to assist the client achieve his or her financial goals
and objectives.
In general, the financial plan can address any or all of the following areas:
• PERSONAL: We review family records, budgeting, personal liability,
estate information and financial goals.
• TAX & CASH FLOW: We analyze the client’s income tax and spending and
planning for past, current and future years; then illustrate the impact of various
investments on the client's current income tax and future tax liability.
• INVESTMENTS: We analyze investment alternatives and their effect on the client's
portfolio.
• INSURANCE: We review existing policies to ensure proper coverage for life,
health, disability, long-term care, liability, home and automobile.
• RETIREMENT: We analyze current strategies and investment plans to help
the client achieve his or her retirement goals.
• DEATH & DISABILITY: We review the client’s cash needs at death, income needs
of surviving dependents, estate planning and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies,
including as appropriate, living trusts, wills, review estate tax, powers of attorney,
asset protection plans, nursing homes, Medicaid and elder law.
We gather required information through in-depth personal interviews. Information
gathered includes the client's current financial status, tax status, future goals, returns
objectives and attitudes towards risk. We carefully review documents supplied by the
client, including a questionnaire completed by the client, and prepare a written report.
Should the client choose to implement the recommendations contained in the plan, we
suggest the client work closely with his/her attorney, accountant, insurance agent,
and/or stockbroker. Implementation of financial plan recommendations is entirely at the
client's discretion.
We also provide general non-securities advice on topics that may include tax and
budgetary planning, estate planning and business planning.
• Exchange-listed securities
• Securities traded over-the-counter
• Corporate debt securities (other than commercial paper)
• Certificates of deposit
• Municipal securities
• Variable life insurance
• Variable annuities
• Mutual fund shares
• United States governmental securities
• Interests in partnerships investing in real estate
Typically, the financial plan is presented to the client within six months of the contract
date, provided that all information needed to prepare the financial plan has been
promptly provided.
Financial Planning recommendations are not limited to any specific product or service
offered by a broker-dealer or insurance company. All recommendations are of a generic
nature.
PUBLICATION OF PERIODICALS
Rainsberger Wealth Advisors, Inc. publishes a quarterly newsletter providing general
information on various financial topics including, but not limited to, estate and retirement
planning, market trends, etc. No specific investment recommendations are provided in
this newsletter and the information provided does not purport to meet the objectives or
needs of any individual. This newsletter is distributed free of charge to our advisory
clients.