Frequently Asked Questions

Our specialty is working with people who see their financial success in terms of what it can make possible for themselves and their families. Many are approaching retirement, managing inherited assets, balancing business and personal finances, or preparing to pass wealth to the next generation. We are especially well suited to people who value professional guidance and want help carrying decisions through into action. The advice we give our own friends is simple: choose an advisor who understands and regularly works with families like yours.

Having substantial assets does not automatically make spending decisions easy. You may want to understand what retirement, helping your children, making a major purchase, or supporting a cause could mean for your future. We use planning scenarios to explore those trade-offs, including less favorable market conditions. The goal is to give you a clearer basis for deciding how to use your wealth.

We bring financial planning and investment management together in one ongoing relationship. We consider how your investments, retirement income, taxes, insurance, estate arrangements, and family priorities affect one another. Together, we identify what needs attention, establish priorities, and put a coordinated strategy into practice. As your circumstances change, we review your progress and adjust.

We do not have a set investment minimum, though we typically work with families and individuals with $2 million or more in investable assets whose increasingly complex financial needs benefit from experienced guidance. We bring investing, tax planning, and estate considerations together, helping you see the bigger picture and put decisions into practice. We also partner with select younger families and individuals who are building toward that level of wealth.

Yes. Putting planning into practice is central to our work. We manage your investments, help establish withdrawal and cash-flow arrangements, and coordinate financial steps with you and your other professionals. Some decisions require your participation or the work of your CPA, attorney, or another specialist. We help clarify responsibilities and follow through so important details keep moving.

Our ongoing financial planning is offered as part of an investment management relationship. Bringing the two together allows us to help carry your decisions into action and adjust your investments as your financial life evolves. Employer retirement plans, such as a TSP or 401(k), can remain with the employer while we help coordinate them with your broader strategy.

Yes. Our office is in Potomac Falls, Virginia, and we offer both in-person and virtual meetings. You do not need to live nearby to have a personal, ongoing relationship with us. We can work with clients in other states where our firm is registered or an applicable exemption permits.

We begin with your goals, time horizon, income needs, tax circumstances, and comfort with risk. Those considerations guide your investment strategy and the role each account plays. Portfolios may include diversified funds, ETFs, individual securities, or professionally managed strategies. We monitor your investments, rebalance when appropriate, and review whether the strategy continues to fit your life.

Yes. Accounts outside our management still matter to your financial plan. We can review employer retirement plans and help you consider investment choices, contributions, and how those assets fit with your other accounts. When retirement or a job change creates a rollover decision, we help you evaluate the available options and their trade-offs.

Charles Schwab & Co., Inc. is our primary custodian. Your accounts are held in your name at the custodian, which provides account statements and online access. We manage your investments under the authority you grant in our advisory agreement. You retain ownership of your accounts and can review your holdings and activity directly.

We are a fee-only firm. We are compensated by our clients and do not receive commissions from investment or insurance product sales. Our ongoing advisory fee is based on the assets we manage and covers an integrated approach to financial planning and investment management. We explain the applicable fee schedule and any separate investment or account expenses before you engage us.

Rule72 Financial’s founder, David Miller, has earned the CERTIFIED FINANCIAL PLANNER™ certification (CFP®). His background includes financial advisory work, federal service, and service in the U.S. Air Force. David brings that experience to helping families connect investment decisions with retirement, taxes, estate considerations, and their goals for the next generation.

As a fiduciary investment advisor, we have a responsibility to act in your best interests when providing advisory services. For us, that means understanding your circumstances, explaining our recommendations and relevant conflicts, and helping you make informed decisions. Our advice is grounded in your goals and the responsibilities you have to yourself and your family.

We consider taxes throughout the planning and investment process. Depending on your circumstances, this may include evaluating Roth conversions, retirement withdrawals, asset location, charitable gifts, and opportunities to manage investment gains and losses.We also help review beneficiary designations, account ownership, and how your financial arrangements support your estate goals. We coordinate with your CPA and estate planning attorney; tax return preparation and legal document drafting remain with those professionals.

Yes. Family wealth involves both financial decisions and preparing the people who will eventually make them. When you wish, we can include adult children and other family members in appropriate conversations about investing, inheritance, charitable giving, and financial responsibilities. The scope and timing reflect your preferences and your family’s circumstances.

We establish a review schedule around your planning needs and preferences, with additional conversations when important decisions or changes arise. You can also reach out between meetings.

We start by learning what prompted you to reach out, what you want help with, and what you would like an advisory relationship to accomplish. We explain how we work, discuss services and fees, and answer your questions. The introductory conversation is complimentary and gives both of us an opportunity to consider whether working together makes sense.

Let’s start a conversation about what matters to you and your family.Schedule a Conversation