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R&V Personal Finance, LLC

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Client assets under management

$8,806,587

Clients

16

25% high-net worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor

Clients per advisor

16

Low

Average account size

$550,412

About

R&V Personal Finance, LLC (RVPF) provides investment advisory and financial planning services to individuals, families, businesses, non-profit organizations, and certain institutional clients. Offerings include continuous discretionary portfolio management, project‑based and comprehensive financial planning, educational seminars and workshops, and personal income tax preparation in select states.

The firm develops client‑specific investment policies and typically implements them using primarily passive portfolios of mutual funds and ETFs, while retaining flexibility to use active strategies when appropriate. RVPF manages accounts on a discretionary basis without using third‑party sub‑advisors and also supports held‑away retirement/participant accounts via a third‑party platform to facilitate institutional plan participant oversight.

Distinctive aspects of the firm include its reported work with charitable organizations and other institutional clients, its regular delivery of educational programming (paid and pro‑bono, including a Right Start offering for young professionals), and targeted pro‑bono consultations for servicemembers and individuals affected by domestic violence. The firm also emphasizes integrated planning—covering tax, retirement, estate, student‑loan, and charitable giving considerations—alongside portfolio management for a modest client base and assets under management.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

Cash flow / budgeting Debt management College savings (529s, UTMA, etc.) Retirement income strategy

Occupation focus

Military & Veterans Founder/Business Owner

Demographic focus

Young Professionals Approaching retirement

Fee options

Fixed

Project Based Financial Planning fixed fees range from $1,000 to $3,500; Comprehensive Financial Planning upfront fee $1,500-$3,000; Right Start Financial Education fees $515-$675 per session; Educational Seminars fees up to $1,000 or $80 per participant

Percentage

$0 - $250,000: 0.96% annually $250,001 - $1,000,000: 0.84% annually $1,000,001 - $2,000,000: 0.72% annually $2,000,001 - $5,000,000: 0.60% annually $5,000,001+: 0.48% annually

Project-based

$300 per hour for Financial Planning Consulting

Subscriptions

Comprehensive Financial Planning ongoing annual fee $2,400-$6,000 per year ($200-$500 monthly installments)

Other

Fee-only: Project Based Financial Planning fixed fees $1,000 - $3,500; Financial Planning Consulting hourly fee $300/hour; Comprehensive Financial Planning upfront fee $1,500-$3,000 plus ongoing annual fee $2,400-$6,000 per year; Right Start Financial Education fee $515 - $675 per session; Educational Seminars fees range free to $1,000 or $80 per participant

Main office location

R&V Personal Finance, LLC

Decorah IA, United States

Number of offices

1

Most active in

California · Iowa · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Betsy R

CFP®

Decorah, IA

R&V Personal Finance, LLC

RVPF exists to support professional women in medicine and their families ease the burden of financial decision making, planning, and management. The task of maintaining balance between the roles of professional, spouse, mother, sister, daughter, and friend can be overwhelming. RVPF is here to help. Betsy’s story begins in Iowa on a pretty typical small family farm. Her youth was spent playing sports, preparing projects for the county fair, a first job bagging groceries, and roaming about in a way that is atypical now. High school graduation sent her off toward a bachelor’s degree in Food Science. A couple collegiate job experiences included a test kitchen analyst for a large regional grocery store chain and quality control engineering position for the company that makes SPAM. Betsy then completed a master’s degree in family and consumer sciences, an area of study which gave rise to many of today’s collegiate financial planning programs. Four years of teaching personal finance to high school students while her new spouse completed medical school steered her toward a position as a personal financial counselor at Travis AFB in Fairfield, CA, where her spouse completed residency and eventually joined the teaching faculty. It was at the University of California Davis Extension where Betsy completed her CFP® professional certification and knew that she had found her calling. After over five years as an independent financial advisor, R&V Personal Finance, LLC, continues to serve women in medicine all over the country while expanding to provide a fee-only option for those who call the greater Decorah area home.

Cash flow / budgeting Debt management College savings (529s, UTMA, etc.) Retirement income strategy Doctor or Medical Professional Military & Veterans Women Professionals Gen Y/Millennials (Born 1980-1995)
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