R&V Personal Finance, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
R&V Personal Finance, LLC (RVPF) provides investment advisory and financial planning services to individuals, families, businesses, non-profit organizations, and certain institutional clients. Offerings include continuous discretionary portfolio management, project‑based and comprehensive financial planning, educational seminars and workshops, and personal income tax preparation in select states.
The firm develops client‑specific investment policies and typically implements them using primarily passive portfolios of mutual funds and ETFs, while retaining flexibility to use active strategies when appropriate. RVPF manages accounts on a discretionary basis without using third‑party sub‑advisors and also supports held‑away retirement/participant accounts via a third‑party platform to facilitate institutional plan participant oversight.
Distinctive aspects of the firm include its reported work with charitable organizations and other institutional clients, its regular delivery of educational programming (paid and pro‑bono, including a Right Start offering for young professionals), and targeted pro‑bono consultations for servicemembers and individuals affected by domestic violence. The firm also emphasizes integrated planning—covering tax, retirement, estate, student‑loan, and charitable giving considerations—alongside portfolio management for a modest client base and assets under management.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Project Based Financial Planning fixed fees range from $1,000 to $3,500; Comprehensive Financial Planning upfront fee $1,500-$3,000; Right Start Financial Education fees $515-$675 per session; Educational Seminars fees up to $1,000 or $80 per participant
$0 - $250,000: 0.96% annually $250,001 - $1,000,000: 0.84% annually $1,000,001 - $2,000,000: 0.72% annually $2,000,001 - $5,000,000: 0.60% annually $5,000,001+: 0.48% annually
$300 per hour for Financial Planning Consulting
Comprehensive Financial Planning ongoing annual fee $2,400-$6,000 per year ($200-$500 monthly installments)
Fee-only: Project Based Financial Planning fixed fees $1,000 - $3,500; Financial Planning Consulting hourly fee $300/hour; Comprehensive Financial Planning upfront fee $1,500-$3,000 plus ongoing annual fee $2,400-$6,000 per year; Right Start Financial Education fee $515 - $675 per session; Educational Seminars fees range free to $1,000 or $80 per participant
Main office
Decorah IA
Advisors at this office
1
Most active in
California · Iowa · Texas
Also doing business as
R&V Personal Finance · R&V Personal Finance, LLC · Ratashak Vogel, Elizabeth, Amee Joy
Disclosures
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Business activities & affiliations
Is active or affiliated with:
Other specialized services
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Insurance agent
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Broker-dealer / trader
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Bank
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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