An Elevated Perspective

We have developed a proprietary system that provides clients with practical insight into how different life choices will affect their ﬁnances. By seeing how their life ﬂows, they can see how their cash ﬂows — and vice versa. In this way, they can make more informed short-term and long-term financial decisions, and de-stress about whether they will have enough money throughout their lifetime and for future generations.

Optimal Target Return

Based on the cash flow modeling, an Optimal Target Return (OTR^SM) is calculated so clients know the minimum rate of return they need to maintain their lifestyle. The OTR is their personal benchmark to meet their objectives with the least amount of risk and anxiety. It also serves as the basis for RZH to design their portfolio, from determining their target asset allocation to selecting the investments and managers.

“Outperformance of a financial index is not a financial objective. Retiring by 55, educating your children and grandchildren, buying your dream vacation home, transferring your business to your heirs — those are financial objectives. We focus on what our clients are trying to accomplish and look to outperform their personal benchmark not an industry benchmark.” – Dana A. Hanson