What does a Financial Planner do?

A.B. Ridgeway Financial planning involves an evaluation of a Client's current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of the Client. Life, people and circumstances are all dynamic and change with time. So as your advisor, I am dynamic and willing to help you adapt to this ever changing financial landscape.

Do you offer in-person consultations?

Yes, if you live in the Lafayette, Louisiana and the surrounding area. We have an office at 537 Cajundome Blvd Suite #111, Lafayette LA 70506. But whether you live in the city or out of state, we have the technology to fully serve you and your financial needs, right from the comfort of your own home.

What's the difference between a faith-based firm and a traditional firm?

We believe in finances with a purpose. We use guiding biblical priciples that give us discernment when it comes to what we do with our finances. By the grace of God, many of the same core principles of finances are the same in the Bible, such as: Saving, seeking counsel, leaving assets to heirs, and avoiding too much risk.

What does it mean to be a fee-only advisor?

To be fee-only means we only receive a flat-fee from the client for the services we provide. We do not receive commissions from third-parties based on the products we sell or the professionals we recommend in the development of your plan.

So decisions are made because it makes sense for the plan and not because we might get paid more.

I like what I see, how do I get started?

Click HERE to schedule a free conservation about the next steps.

I have investments at other firms, can you manage them?

Yes. We will help you consolidate your accounts to the least amount of accounts necessary. You don't have to do this alone. We will help you call, walk you through paperwork, and guide you on a smooth transition.

How often do you update the Financial Plan?

We take a long term view on the plan, but we understand that life happens. So we give you 24/7 access to your financial plan and we will update as needed. Here is a video preview:

What's the difference between the One-Time and the Full Service?

Sometimes people just need some help getting organized. Our younger working professionals may not have the complex situation as some of our more seasoned investors. So receiving a one-time plan could get them pointed in the right direction. For our clients that need full service, they have goals but just don't know how to reach them. That's where we come in:

I just got a large lump sum, and worried about taxes, what should I do?

We provide tax efficient distribution strategies. We coordinate with your current tax preparer and come up with a distribution and investment strategy that will benefit you the most. If a tax preparer is not available, we will help you find one. Check out this video that explains how we help.