About Us

^{Why Us?}
Fiduciary. Independent.
Fee-Only.

Fiduciary:

A standard of care that legally obligates us to always put your needs first when providing financial advice. While this seems like common sense to us, one can operate in this industry without acting in a fiduciary capacity. While we are legally and professionally bound to do so, we made the CHOICE to be "bound" because we truly believe it is the right thing to do.

Independent:

We are an independent Registered Investment Advisor. In no way are we restricted to any sort of proprietary products nor are we incentivized into the decisions we make. This gives us the ultimate freedom to find the absolute best solutions for each of your unique needs.

Fee-Only:

We only receive compensation from you, our client. We do not receive any sort of outside compensation in the form of commissions or other incentives which eliminates any potential conflict of our interest being above yours.

The Financial Planning Process

1. Discovery:

We get to know you, you get to know us. Where are you today and what do you want to accomplish? A deep and comprehensive data-gathering process to provide a complete picture of your personal situation.

2. Analyze and Create:

We conduct a comprehensive analysis of your unique scenario and the current course you are on, and compare it to other potential alternatives and options.

3. Present and Deliver:

We review our analysis and go over our recommendations. When give-and-take is required, we provide multiple options to let you choose what feels most comfortable.

4. Implement and Monitor:

We implement based on the strategy you desire and provide continuous monitoring to help you stay on track. When necessary, we refine and adjust.

^{Who You will work with}
Meet Your Advisors

Raymond Heidel, CFP^®, MS

President

(410) 287-2155

ray@fiveriversfinancial.com

Ray founded Five Rivers Financial Advisors, LLC as a Registered Investment Advisor in 1997. He has more than 20 years experience in the accounting and finance organizations of large corporations plus over 15 years of experience in...

Benjamin Huber, CFP^®

Partner

(410) 287-2155

ben@fiveriversfinancial.com

Ben has been a part of Five Rivers Financial Advisors since the summer of 2011. The firm provides comprehensive financial planning and wealth management services, helping clients understand and establish the best plan to attain their...

Let's Get Started

Our Mission Is to Replace Your Financial Anxiety with Relaxed Confidence. Let’s talk and see how we can help you.

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