Who We Are
Rall Capital Management is an independent, fee-only financial planning and investment management firm located in Historic Cocoa Village on Florida’s Space Coast. We work with you to address all areas of your financial life. We help you develop a long-term financial plan that is built upon your goals, and we work together with you to make sure you have all the financial pieces in place that can help you achieve all that you want in your life. We help you move forward with confidence.
First, we spend some time getting to know you and your family. We spend our first meetings together helping you to identify your short-term and long-term financial goals. What is it that you really want to achieve? Then, we begin to build your financial plan. We review all areas of your financial life, and make recommendations on your investments, insurance policies, estate plans, tax planning strategies, and any other financial issues you might have. We know that a financial plan is based on a lot of assumptions that will inevitably change over time. It is for this reason that we will meet with you regularly to review and update your plan.
How We Do It
When it comes to managing your investment portfolio, we know that we can’t control or predict the markets, so we don’t try. Instead, we focus on controlling those things that we can control:
- We can control the risk in your portfolio by diversifying across many different asset classes. This can help protect you from the volatility of the financial markets.
- We can control the expenses in your portfolio by using extremely low-cost, broadly diversified investment vehicles.
- To a certain extent, we can control the tax consequences of your portfolio. We never want to let a tax consequence drive an investment decision, but they should be considered.
With your financial plan, we work to control the risk of loss to you and your family by making sure that you have the appropriate insurance coverages and estate plans in place. We also address one of the biggest risks of all: the risk that you will outlive your money. We do so by keeping the plan current and helping you to make good decisions on a variety of issues. For example, we can help you decide when to start taking your Social Security benefits and whether or not you should consider an annuity, a reverse mortgage, or long-term care insurance.
How We Work
We do all of our work for you on a fee-only basis. We do not sell any products. We do not receive commissions of any type. We only work for, and are paid only by, our clients.
We pride ourselves on the relationships we have built and maintained over the years with our clients. We work with a select group of clients and will only work with those for whom we can make a major impact.