Reinking Financial Consulting

Reinking Financial Consulting provides continuous, discretionary investment management, retirement plan consulting (including Investment Policy Statement preparation, selection and monitoring of plan investments, and participant education under ERISA 404(c)), and written financial planning for individuals, pension and profit‑sharing plans, estates and trusts. The firm develops Personal Investment Policies through client interviews and delivers periodic reporting and written plans as part of its engagements.

The firm’s investment process emphasizes asset allocation and fundamental analysis within a Modern Portfolio Theory framework, favoring diversified, long‑term positions implemented primarily with passively managed mutual funds and ETFs while allowing short‑term trades as client circumstances dictate. Portfolios are actively monitored (the brochure describes daily oversight with at least quarterly formal reviews) and the investable universe includes exchange‑listed and over‑the‑counter securities, fixed income, foreign issuers, ETFs, hedge funds and partnership interests.

Compared with many independent advisers, Reinking discloses a notable portion of its clientele outside the United States and explicitly includes foreign issuers in its investment recommendations, a feature the brochure highlights as part of its approach. The firm also has adopted the CFA Code of Ethics, provides ERISA‑focused plan services including participant education, and uses institutional custody and reporting arrangements (via Schwab Institutional) to support its operational and reporting processes.