Frequently Asked Questions

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.

Our clients pay us fees for comprehensive financial planning and asset management. Read our Form CRS.

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.

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.

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.