The Rinvelt & David Dictionary

A thoughtfully constructed investment strategy designed to adapt to changing market conditions and client needs—regardless of what the headlines say. At Rinvelt & David, an all-weather portfolio isn’t a one-size-fits-all allocation. It’s a personalized mix of asset classes and risk management strategies tailored to your long-term goals, cash flow needs, and life stage. Our aim is to help you stay invested with confidence—through every season of the market.

The goal and foundation of the Rinvelt & David Team, this purpose drives our connections, communications, and core structure. We believe that finances are part of all aspects of life, and we want to highlight, enhance, and grow those connections. What you care about fuels your finances and fills your life.

Thinking you can delay enrolling in Medicare, or updating beneficiaries and estate plans, or getting insurance because you're doing okay and "nothing's going to happen" so there's no rush.

An alternative planning method to Goal-Based Management, Cash Flow Management sees your financial plan from the context of your specific income and expenses in order to provide a more complete financial picture, a more thorough analysis, and the most accurate strategy for achievement of future goals.

Building a relationship so valuable that we are your third call when challenges come up: family, friends, faith, financial professional...

We are usually the third phone call made when life throws challenges at you – unexpected health event, unexpected major unplanned expenditure, sickness, accident. We're the third call to understand the financial impact and to get help on how to address these uncertainties. We create the certainty by making ourselves available.

Looking at rates of return on investments we manage as well as assumptions in the plan. Others use assumed rate of return and don't always check to match with actual earnings.

A signature phrase at Rinvelt & David that reflects our commitment to clarity, objectivity, and cash-flow-based planning. When a client asks, “Can I afford this?”—whether it’s an RV, a cottage, or early retirement—our answer always starts with, “Let’s do the math.” This means running the numbers, stress-testing scenarios, and giving clients a clear picture of what’s possible. It’s more than a saying; it’s how we bring confidence to every decision.

For more details, visit Frequently Asked Financial Questions on Rinvelt & David.

We charge a flat fee and do not charge additional (separately billed) fee for the planning that comes with the asset management. Many advisors do this. We fee that is unfair. Planning is part of the work that neeeds to be done when managing assets/portfolios and should be included as the service of asset management.

The Rinvelt & David six-step planning process for developing your unique financial plan, creating your personal investment strategy, and partnering with you to achieve your short and long-term financial goals.

For more details, visit Rinvelt & David Process.

Like any organization, you have short, mid, and long-term financial needs, and the way you manage money for those different needs during those different time periods is dramatically different when it comes to aggressive and conservative risk.

You are not going to spend all of this money tomorrow – some won't be used for 10+ years. Different strategies for different sleeves. We manage money for these different stages of life in the proper ways that are strategic to the timing of need.

Proactively scheduled review meetings meant to check in on progress and performance – where are we with our plan given changes to market & economy and personal experiences. Cash position for expected future withdrawals and expenses.

How are you doing personally? Frequent check-ins keep the plan current, accurate, and reliable. What's changed, what's upcoming? Family, health… If not done, things will get missed, and adjustments and changes that need to be made might not be done at the best time.

Medicare Trust Fund running out; inflation on medical costs is higher than other inflation. Supplemental coverage needs; reason retirees go back to work.

Planning for increased medical costs – setting the stage for the worst-case scenario when it comes to healthcare. The inflation has been more than double regular inflation for the last 30 years+.

Rising medical costs are the biggest mistake in planning – not the proper cost or inflation rate. We plan for this. Costs of procedures and premiums.

For more details, visit Medicare 2025 on Rinvelt & David.

When should you take it? We'll help you find out.

We don't use the rule of thumb approach that SSA provides – we do break-even analysis to determine the optimal age to take Social Security benefits, and it is different for everyone. It depends on income streams, savings, and lifestyle needs – withdrawal rate.

You have to do the math to determine this.

We put your plan to the test. Looking at trying to create strategies to overcome different life events and their potential to break the plan: LTC, medical expenses, family needs, premature death, etc.

We develop the strategy and then test it against these potential events – can't plan perfectly, but we can test to see how to compensate with the plan to handle these scenarios. What can be done if these things happen?