There Is an Alternative to Wall Street's Growth Strategies
We believe values matter, and we live by ours every day. Clients entrust us with their family’s financial future. Stemming from our early careers in the military, we view helping clients accomplish goals as our duty. We find strengths in building personal relationships with our clients and serving their unique needs, viewing our work as an internalized responsibility, not a business transaction or even a career.
As lifelong learners, we stay abreast of the ever-changing financial landscape and tax laws, and continuously evaluate new products, services, and opportunities so that we can lead our clients to make optimal choices for themselves and their families
About Our Firm
At Rock Creek Wealth, we believe that managing your money wisely means being knowledgeable about all your options. That’s why we place a heavy emphasis on financial education.
This focus on education, along with our more conservative approach to retirement planning, are just a couple of reasons why we’ve become A Retirement Income Store®. As A Retirement Income Store, we’re now backed by a national network of Income Specialists across the country.
The Retirement Income Store was founded by David J. Scranton. With over 30 years of experience in the financial services industry, David Scranton specializes in income-generating investment strategies designed to help protect clients savings, so they can use it as a renewable source of income they can count on in retirement.
Our 7-Step Process
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the foundation of our success.
- Identify Lifetime Objectives & Strategies
We don’t believe in a “cookie-cutter” approach. No two situations are alike. We tailor your financial strategies to assist you in achieving your specific lifetime goals and objectives.
- Determine Your Risk Profile
How much of your money should be in the stock market? How much should be in more conservative investments? We believe in staying within your comfort level rather than chasing short-term market returns.
- Understand All of Your Options
Some advisors are not willing to spend the time to educate you. We believe an informed client is a good client. We believe peace of mind may come from understanding your options.
- Build Your Portfolio
Your personal preferences as well as your cash flow needs are some of the factors that determine your investment allocation. In building your model, we educate you about today’s more conservative income-generating investments, so you can make informed decisions.
- Optimize Your Investment Allocations
If desired, we will help you allocate the equity portion of your investments in conjunction with modern portfolio theory and mean-variance optimization.
- Identify Tax Reduction and Catastrophic Protection Strategies
Once your investment allocation is completed, we help coordinate your affairs. Our focus is on minimizing income taxes and future death taxes as well as helping to potentially protect you and your assets from health care catastrophes.
- Schedule Regular Periodic Reviews
Last but certainly not least, we believe regular periodic reviews will help you stay the course. Our firm’s success in large part comes from an emphasis on client service. We strive to contact each of our clients at least four times a year.