How We Work

Your Interests Come First

As fee-only, independent financial planners who offer an uncommonly high level of service to our clients, we begin our discussion with an informal interview to ascertain that our firm is the right fit for you.

Should we choose to work together, you will enjoy the services of a full team of specialists in every aspect of wealth planning. We also collaborate with your other professional advisors to seamlessly address your individual and business-related financial needs.

Client’s interests come first

Because we are an independent, fee-only financial planning and wealth management firm that works as a fiduciary, our client’s interest is at the core of what we do. We do not sell a product or receive commissions, allowing us to provide unbiased, objective advice. We believe that your success and our success will be measured in our continuing commitment to character.

Fee-Only, And Not Fee-Based

It’s easy to confuse the two terms, but a quick way to remember the difference is fee-only is where fees to the firm ends, and fee-based is where those fees start. As a fee-only firm, the only fees you’ll be charged are advisory fees and nothing else. However, at a fee-based firm you may be charged an advisory fee on your money, and also pay hidden commissions to them on products they sell.

Our Fiduciary Oath

A fiduciary is defined as: “An individual in whom another has placed the utmost trust and confidence to manage and protect property or money. The relationship wherein one person has an obligation to act for another’s benefit.” In other words, we always put our clients’ interests above all other considerations meaning you get full transparency.

All the time

Unlike some of our national competitors, we do not pick and choose when we consider ourselves a fiduciary. Most of our competitors are only a fiduciary on certain accounts when its most convenient or beneficial for them. At Reserve Fund Advisers LLC, we put clients’ interests first every time, on every account, and with every relationship.


Security Standards

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that are designed to ensure the integrity and confidentiality of your nonpublic personal information.

Disclosure of Information to Nonaffiliated Third Parties

 We may disclose nonpublic personal information about you for our everyday business purposes, such as to process transactions or service a client account. In addition, we may disclose nonpublic personal information to nonaffiliated service providers that we contract with for the purpose of providing services to RFA and for the administration of our business. These service providers may include custodians; broker-dealers; investment companies; technology vendors; parties that provide back-office portfolio management, reconciliation and billing systems and services; consultants; and others. We require these companies to protect the confidentiality of your nonpublic personal information and to use it only for the purposes for which we disclosed the information. We do not otherwise disclose any nonpublic personal information that you provide to us to nonaffiliated third parties, except as required or permitted by law.

Ask A Question

Have questions about investing reserve funds, reserve fund calculations, or anything having to do with your association’s financial situation, please send us the question and attach information.