RITTER DANIHER FINANCIAL ADVISORY LLC

RDFA has been in business since 1999, originally in Ohio. In September 2021, a new Delaware entity was created, and the firm's assets, relationships, and registration were transferred to it. Subsequently, the new Delaware entity was sold to Bluespring Wealth Partners, LLC, the principal owner of RDFA. RDFA's primary service is Wealth Management, encompassing financial planning and investment management. As of December 31, 2024, RDFA managed approximately $606 million in client assets on a discretionary basis and $0 in non-discretionary assets, and also had approximately $60 million in assets under advisement. They offer services such as goals identification, investment selection, retirement planning, and financial concierge services like coordination of external advisors and trust consulting.

RDFA offers investment advice based on long-term strategies incorporating Modern Portfolio Theory. They emphasize utilizing different asset classes to reduce portfolio volatility over time. They believe markets are generally efficient and that portfolio returns are mainly determined by asset allocation decisions, assisted by maintaining a focus on low internal cost structure of investments used. The firm primarily uses mutual funds and ETFs to provide broad diversification, generally using a combination of active and passive management styles. Where appropriate, they may also use individual stocks and bonds, alternative investment strategies, certificates of deposit, and other strategies. They employ these vehicles as part of an overall strategic asset allocation, believing the risk/return relationship will likely be beneficial for the investor over long periods. They also endeavor to limit risk through broad global diversification.

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