R.I.T. Wealth Advisors

R.I.T. Wealth Advisors is a newly registered SEC investment adviser that, as of the brochure date, reported no assets under management and offers fee‑based financial planning alongside ongoing discretionary investment management for individuals (including high‑net‑worth clients) and business entities. The firm also provides advice on retirement plan rollovers and the allocation of held‑away assets such as annuities and employer‑sponsored retirement accounts.

The firm combines discretionary portfolio management with holistic financial planning, tax and estate planning, and income‑planning work, seeking to build diversified, low‑cost, tax‑efficient portfolios using mutual funds, ETFs and individual debt and equity securities. Portfolios are typically managed with a long‑term buy‑and‑hold orientation, monitored on an ongoing basis, and rebalanced based on drift rather than on a fixed schedule.

Notable features highlighted in the brochure that are less common among newly registered, no‑advisor firms include a stand‑alone fixed‑fee financial planning option and explicit coverage of rollovers and held‑away assets as part of advisory services. The brochure also discloses that certain associated persons are licensed to sell insurance and that the firm receives institutional services and other economic benefits from its recommended custodian, items the firm identifies as potential conflicts of interest to be managed.