Frequently Asked Questions
A Fiduciary Investment Adviser Firm is legally and ethically obligated to act in your best interest at all times—not just “suitable” like brokers.
That means:
Unbiased Guidance: Recommendations are made solely to benefit you, free from hidden commissions, sales quotas, or kickbacks.
Complete Financial Planning: We help organize, design, and optimize every part of your financial life—cash flow, credit, taxes, investments, insurance, estate planning, retirement, and more.
Transparent Pricing: Services are delivered under a clear subscription model across membership tiers. For most clients, fees are flat monthly rates—not tied to asset balances. Only at the Black Diamond tier (high-net-worth, $2M+ in assets) does pricing shift to 0.40% of assets under advisement above $1.75M.
Tailored Strategies: Your goals, risk tolerance, and timelines drive the advice—whether that means building wealth, protecting assets, or planning for the next generation.
Accountability & Compliance: As a Registered Investment Adviser, the firm is regulated and required to put client interests ahead of its own, with ongoing oversight.
In short: a Fiduciary Investment Adviser Firm exists to put you first, every time, in every decision.
Fiduciary Firms are held to the highest legal and ethical standards in finance. To be licensed, we must:
Register with regulators (SEC or state) and obtain a CRD/IAPD (336729) number.
Pass strict background checks — NO bankruptcies, NO fraud, NO criminal records.
Maintain audited compliance records and file updated disclosures every year.
Meet net capital and bonding/insurance requirements to protect clients.
Submit to ongoing oversight, with our track record made public.
Complete mandatory testing and annual training (minimum 12 continuing education units).
Operate under a fiduciary oath, legally requiring every recommendation to put your best interest first.
🚫 Unlicensed or unregistered individuals skip all of this—no checks, no oversight, no training. Giving investment advice without registration is illegal.
Our team of experts treats your financial picture better than their own. Depending on the G7 Membership level you select your plan may include guidance in some or all of the following areas:
Securities Guidance - Cash Management - Income - Credit Repair - Trust Structuring - Insurance - Stocks - Savings - 401ks - Estate Planning - Wealth Appreciation - Bonds - Capital Gains - IRA’s - Major Purchases - 403bs - Budgeting - Crypto Currency - Taxes - Will Planning - Credit Building - Real Estate - Debt Relief - College Savings - Investments - Retirement - ETFs - Tax Strategies and more
Currently we offer three services:
Technological advancements have made it easier than ever to serve our clients but they’ve also created new risks.
That’s why we leverage technology the right way. Through our secure client portal and direct digital communication, we’re able to:
Communicate and reach clients faster
Provide real-time updates
Guide decisions at the exact moment they matter most
Act on information instantly, anywhere in the world
Deliver richer answers with AI-powered research
Technology isn’t just a risk—it’s also the tool that makes fiduciary guidance more accessible, responsive, and effective than ever.
Our affordable personalized financial plans with expert guidance combine technological ease with human expertise, ensuring you successfully navigate the path to your financial goals
No! Though our service does include elements of those services we are a tailored service that includes a very involved and regularly available human element
Our Fiduciary team constantly analyzes your data, manages the planning and incorporates the full scale complexities of financial tools available for you
We do encourage our clients to use apps and software programs that may help manage finances. Software tools like Quicken and Mint are primarily for monitoring
Please let our team know what programs you're using so we may streamline your planning
Managing finances can be overwhelming, especially juggling bills, credit, mortgages, and investments. Traditionally, you tackle these challenges alone, relying on scattered advice from different sources
Raynmaker Financial has created a better approach. We act as your unified financial team, using a holistic view with proprietary designed tools that optimize the planning of your financial activities. Inspired by corporate financial strategies, we work to maximize your long-term financial well-being so you can focus on you.
Raynmaker Financial has created a unique program that onboards client data, structures a plan in manageable format and guides clients to their financial goals. Our program has four intrinsic components:
Personalized Guidance - We are your private liaison, guide and manager for all things financial. Access our guides by becoming a member of The G7 Club or Brooklyn’s Millionaire Children's Club. For more immediate personal assistance clients can purchase single Private Meetings
Detailed Organization - Our portal securely houses and organizes all financial matters for club members including important documents, calendared events, financial objectives, past and present reports, project plans and more
Personalized Reports - Our digital reports help us deliver accurate analysis and strategic plans using customized code based on clients feedback, phase, tolerance level, goals, club tier and more
Excellent Communication - The digital age allows us to stay connected and keep clients informed in real time via messenger, social media, email and various communication avenues on the website