2. A modest fee for a Dynamic Financial Planning Session (DFPS), an overview of your current financial planning needs that can serve as a second opinion or a quick check of your financial fitness on a limited set of issues. See DFPS details under the “Our Services” tab.

3. A low annual fee to manage all of your assets, with access to proven investment managers. This fee covers all of our financial planning services for the year.

No matter which option you select, I promise that you will NEVER pay a commission. We are pure financial planners, don't sell any products, and, as a registered investment advisor, are always required to keep your best interest in mind. Call or e-mail us to find out just how much we can reduce the fees or commissions (sometimes hidden) that you pay.

Rio Financial Advisors is a member of the FPA, www.fpanet.org.

- An independent firm that maintains a personal relationship with each client.

- A fee-only policy that ensures the objectivity of advice. We don't charge commissions or accept other compensation from the sale of products or services or any other non-client source.

- An investment strategy based on diversification through asset allocation, focusing on short and long-term after-tax results.

- A living legacy approach to estate planning, emphasizing the values to be passed on, as well as the assets.

The process works like this: 1) you call and we set a time for your DFPS meeting; 2) we address your most urgent concerns in the DFPS; and 3) we discuss how you want to proceed from there. Call us at 949-306-8448 or e-mail us at bubbrasil@yahoo.com. Se habla Espanol. Fala-se Portugues.