Frequently Asked Questions
Do you work in your client's best interests?
Yes, we follow the fiduciary standard to always work on behalf of each client. We strive to offer objective advice and solutions. We discuss all fees in advance and if a conflict of interest should arise, we will disclose it to you immediately.
How are you compensated?
Our clients pay us fees for comprehensive financial planning and asset management. Read our Form CRS.
How often do you meet with your clients?
At least once every six months. We also provide performance reports every six months, and client letters quarterly. Of course, we are here for our clients as often as they need us through email or phone conversations to answer questions or resolve issues as they come up.
What is your investment philosophy and how do you invest money for clients?
Our methodology is significantly different from what is generally offered. By taking a macroeconomic approach and studying the rate of return on everything you do, Ridgeback Capital Management strives to assure your whole financial strategy is working at peak efficiency. We don’t believe in timing the markets. We favor low-cost investments, diversification, and opportunistic rebalancing.
Traditional strategies teach us to accumulate a lump sum, invest it and live off the interest earnings. Our parents told us to never touch the principal. Depending upon “interest only” causes income to be subject to changes in the interest rate environment. A more powerful strategy allows principal and interest spending and facilitates a more abundant life.
What does a financial plan include?
One of the most important components of a successful advisor-client relationship is finding an advisor who truly understands you. Our unique discovery process allows us to create a custom financial plan based entirely on your individual needs, goals and current lifestyle. This process is designed to uncover what is most important to you, both financially and personally. We analyze all major aspects of your life, including lifestyle, financial needs, timelines, income and liquidity needs, and willingness to take risks.
Get Started on Your Journey To Peak Performance
Ridgeback Capital Management offers you a free consultation, where we will hear about your life goals, and explore a supportive partnership. These conversations can help ease the worry about potentially outliving your money. In addition, you will likely experience a sense of relief – and accomplishment --when you can view a simplified snapshot of your personal financial position summarized on one page.