Financial Services
Rich DeWitt Wealth Management offers financial guidance.
Financial Planning
A financial plan is the foundation of a sound financial strategy. At RDWM, we use comprehensive financial planning software to build a clear picture of your current position and map a path toward your stated goals.
Your plan addresses income, expenses, debt, savings, insurance needs, investment strategy, tax considerations, and retirement readiness — all coordinated in one document that evolves with your life.
Investment Management
RDWM provides investment management services built around your individual risk tolerance and long-term financial objectives. We construct and monitor diversified portfolios and make adjustments as your circumstances or market conditions change.
Our investment approach is guided by your overall financial plan. We communicate clearly and regularly about your portfolio and the reasoning behind any changes we make.
Retirement Planning
Retirement planning is one of the most complex and important components of a comprehensive financial strategy. RDWM works with clients at every stage — those just beginning to save, those within 10 years of retirement, and those already in retirement managing income distribution.
We can help you evaluate account options (401(k), IRA, Roth IRA), plan for required minimum distributions, consider Social Security timing, and build a post-retirement income strategy.
Legacy & Estate Planning
Transferring assets to the people and causes that matter to you requires intentional planning. RDWM helps clients understand how their assets will be distributed and works alongside estate planning attorneys to align investment accounts, beneficiary designations, and estate documents.
We help ensure your financial plan reflects your intentions and that your heirs are not left navigating unnecessary complexity.
Tax Planning
Tax planning is an important dimension of a comprehensive financial strategy. RDWM considers the tax implications of investment decisions, retirement account distributions, and portfolio rebalancing as part of an integrated planning approach.
We work in coordination with your CPA or tax advisor to support a tax-efficient financial plan. Please note that RDWM does not prepare tax returns.
Frequently Asked Questions
Q: What is Rich DeWitt Wealth Management?
A: Rich DeWitt Wealth Management (RDWM) is a registered investment adviser based in Chattanooga, Tennessee. The firm provides financial planning, retirement planning, investment management, legacy planning, and tax planning services to individuals and families.
Q: Is Rich DeWitt Wealth Management a fiduciary?
A: Yes. As a registered investment adviser, Rich DeWitt Wealth Management is held to a fiduciary standard, meaning we are legally required to act in the best interest of our clients in all recommendations and decisions.
Q: How does Rich DeWitt Wealth Management charge for its services?
A: RDWM’s fee structure is transparent and discussed upfront before any engagement. Fees may be structured as a percentage of assets under management, an hourly rate, or a fixed fee depending on the services provided. Full fee disclosure is available in our Form ADV Part 2A.
Q: Where is Rich DeWitt Wealth Management located?
A: RDWM is located in Chattanooga, Tennessee, and serves clients throughout Tennessee and in other states where the firm is properly registered or exempt from registration. Call (423) 954-7273.
Q: What types of accounts does Rich DeWitt Wealth Management work with?
A: RDWM works with individual investment accounts, Traditional and Roth IRAs, 401(k) rollovers, 529 education savings plans, annuities, and employer retirement plans including SEP IRAs and SIMPLE IRAs.
Q: How often does Rich DeWitt Wealth Management communicate with clients?
A: Client communication is a core part of how we work. We conduct regular portfolio and plan reviews, provide written updates, and are available for meetings or calls as circumstances change. Frequency is discussed and agreed upon during onboarding.
Q: What happens if my financial situation changes?
A: Financial plans are living documents. RDWM regularly reviews and updates your strategy to reflect changes in your income, family situation, goals, or market conditions. We adapt alongside you.
Q: What qualifications does Rich DeWitt hold?
A: Rich DeWitt is a financial advisor and has decades of experience in financial planning and investment management.
Want to learn more?
If you have any questions or simply want to learn more about how Rich DeWitt Wealth Management can help you gain financial success and build financial freedom, we are always here to help.