Who Should Hire RMH Advisors, LLC.We may be the right fit for you if...You are looking for someone to act as your personal chief financial officer (CFO)You are looking for objective, independent advice instead of a sales pitch for the product of the monthYou prefer to enjoy other aspects of your life besides spending the time necessary to understand investing, taxes and estate taxYou are retired, or within 5 years of retirementYou are a high net worth individual with at least $500,000 of investable assetsWe may not be the right fit for you if...You are looking to outperform your neighbor (e.g. you are a “performance junkie”)You do not listen to other professionals (e.g. you continue to smoke when your doctor had diagnosed you with emphysema)You want to try to “time” the marketYou are looking for the five hot investments to buy NOW!You are looking for another financial professional when you already work with two or threeYou are unwilling to disclose your financial questions or concernsYou are only focused on the short term* We do not accept shared accounts. We take responsibility for the management of your retirement portfolio. We do not accept shared accounts for the same reason you would not have two family doctors — conflicting advice can produce disastrous results. Financial planning consulting services are provided through RMH Advisors, LLC, a registered investment advisor. Fee-based financial planning services and securities offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. No strategy ensures a profit or protects against loss. What we do for our ClientsWe work with our clients in several areas:Retirement Planning ~We can answer these and other questions for you:How do I balance my desire not to lose money with that of keeping pace with inflation?How should I/we title my/our assets to minimize probate?How can I have a stable income through retirement?How do I get the most out of Social Security? And how exactly do I do that?What can I afford to spend each year? Everything I have is in tax-deferred accounts.What can I do to minimize my taxes?The estate tax seems to change every year. How can I plan for it?I just sold my home. What do I do with the money?Immediately Pre-Retirement ~The five years prior to retirement is a time full of difficult decisions. We can help you figure out:Which retirement option should I take at work?What are my 401k distribution options?How can I replace my paycheck?When should I start taking social security?I have accounts everywhere. How can I consolidate them so I have a better feel for what I can do?Can I afford to retire without worrying too much?Do I still need my life insurance?What is a Roth IRA and would it benefit me or my family?How much of my portfolio should be in stocks?Widow(er) or Divorcee ~Often when a spouse dies or a divorce occurs, someone is faced with issues they've never dealt with or even thought about.Do I have the right amount of risk in my investments?I’m worried that I’ll lose everything & end up with nothing! (Bag Lady Syndrome). How can I avoid that from happening?How can I organize my finances to reduce my stress?I just received a huge divorce settlement. What should I do with all this money to protect what I have?What in the world is a step-up basis, and can it help me?When my spouse passed, he/she had IRAs and retirement plans; what are my options to take those monies (other than one lump sum) to benefit me or our heirs?I need income from my investments. How much can I comfortably take?I’m tired of so many statements! What do I need to do to consolidate my investments now?Do I qualify for widow(er)/divorcée social security benefits as part of my retirement income strategy?Medical Professionals ~Risk management is often of vital importance to medical professionals and having someone coordinate all aspects of their financial lives allows them to concentrate on their specialties.How can I set up a retirement plan to benefit me and keep my employees loyal?Other than a retirement plan that I have to contribute to for my employees, what other options are available to build my assets?How should my assets be titled or held to help protect me from potential liability?Business Owners ~We can help:What type of business form should I use for my particular business?What kind of retirement plan can I use and which would be suitable for my needs.I'm selling my business. (this time frame and the underlying decisions are very similar to retirement. In many cases business owners are going to deal with more available cash than they ever had.)What do I do with my investments? Are there any strategies that I can use to lower my taxes?What are the possible catastrophes that I need to be aware of so that I can protect my business. I need to be aware of and plan for the estate tax planning issues so that my heirs receive more than the IRS!Inheritors, Heirs, or Lottery Winners ~People coming into large amounts of money have special needs and concerns like these:Do I take my inheritance (or prize) in cash or in kind?What changes should I make in my estate plan?Part of my inheritance is in IRAs. How should I take them?How much can I safely spend without depleting this windfall?