Retirement Plans

Employer Sponsored Plans

RoseCap Financial specializes in providing retirement plans to the businesses that employ the hard working people who make our community work.  As an independent Registered investment Advisor, we provide plan design, onsite employee education, and investment advisory services to businesses of all shapes and sizes.  

At RoseCap Financial we stand with you as fiduciary for the plan and do our best to provide high level services for the plan at a cost efficient price.

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Tax & Accounting Services

Tax Services

Providing tax services is not just about preparing tax returns.  Our job is to help you minimize your taxes by thoroughly reviewing your financial situation and taking action before your return is filed.  We perform tax planning meetings with clients toward the end of the tax year to make sure we have a solid plan in place that will not just minimize current year taxes, but also reduce taxes in future years. This includes less taxation of social security benefits, lower taxable income for calculating Medicare premiums, etc…

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Accounting Services

Businesses change very quickly.  Success often requires the ability to adapt to evolving customer needs and capitalize on opportunities quickly.   At RoseCap we provide services from daily bookkeeping to outsourced CFO services, all with the purpose of reducing the amount of time you spend on accounting processes and freeing you up to grow. 
 

Portfolio Management

As portfolio managers, our job is not to speculate on market outcomes with your money.  That would be  gambling.  Our role as advisor is to focus on the portfolio actions that can be controlled, and will add value to RoseCap clients with certainty.  

These include:

  1. Minimizing Taxes
  2. Minimizing Fees
  3. Managing Risk

As a CPA owned firm that provides portfolio management, RoseCap places great emphasis on the tax efficiency of client portfolios.  We limit fees for clients by performing the portfolio management service as part of our investment advisory fee. This prevents layering of fees that clients might experience when their investment advisor “outsources” the portfolio management decisions through the use of active mutual funds, sub‐advisors, and/or separately managed accounts (SMAs). Not only does this save clients money, but this allows RoseCap to have better control over the risk management and tax efficiency of our client portfolios.

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RoseCap Investment Philosophy

RoseCap Financial’s investment philosophy revolves around the use of unbiased, peer‐reviewed, financial research to support the “best interest” of the client. Please click on the link above for summary bullet points from RoseCap’s general investment philosophy.

Financial Planning

Our approach to financial planning is all about helping you make the right financial decisions for your future.  The first step in our financial planning process is to understand your financial goals.  Once that is accomplished, everything we do thereafter is about giving you the highest probability of achieving those financial goals.  This is our mission statement.

RoseCap Financial is unique because of the heavy involvement of CPAs in our financial planning process.  This is because we realize that tax planning is one of the most important and difficult parts of a financial plan.  CPAs are generally the most qualified financial advisors and also operate without the conflicts of interest that are found in the insurance and brokerage industries. 

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Financial plans from RoseCap have the additional benefits:

  1. Customized to your specific financial goals.
  2. Communicates actionable strategies in an easy to understand format.
  3. Provides advice on a myriad of topics, including social security, tax planning, healthcare planning, and more.

Contact your advisor to get started on a financial plan.