Rather & Kittrell Capital Management

Q: What is financial planning, and how can Rather & Kittrell help?

A: Financial planning gives you a clear roadmap for your money—covering investments, taxes, retirement, estate considerations, and major life decisions. At Rather & Kittrell, we bring these pieces together, so your financial life feels organized, intentional, and aligned with your long-term goals.

Q: Why work with a financial planner instead of managing everything on your own?

A: Going alone often means dealing with disconnected advice from different sources. Rather & Kittrell coordinates your investment strategy, tax planning, cash flow, risk management, and estate planning needs into one cohesive plan so the parts of your financial life work in a coordinated way.

Q: When is the right time to hire a financial planner?

A: It’s helpful to partner with a financial planner when life becomes more complex, approaching retirement, receiving an inheritance, selling a business, managing multiple accounts, or simply wanting more clarity and direction. Financial planning is valuable at any wealth level and at every stage of life.

Q: What services are included in financial planning?

A: Rather & Kittrell’s financial planning process typically includes investment guidance, tax-efficient strategies, retirement income planning, estate and legacy planning, insurance and risk analysis during major life transitions. All of these are integrated into a single, personalized strategy.

Q: How is financial planning different from basic investment advice?

A: Basic investment advice focuses mostly on your investment portfolio. Rather & Kittrell takes a broader view—looking at your family values, family goals, assets, liabilities, tax situation, and long-term priorities. As fiduciaries, we’re committed to acting in your best interest with our recommendations.

Q: What does the financial planning process at Rather & Kittrell look like?

A: We begin with a discovery meeting to understand your values, goals, concerns, and current financial situation. Then we build a personalized financial plan covering investments, taxes, retirement, and estate considerations. As your plan is implemented, we meet regularly to review progress and adjust as your life evolves.

Q: How much does financial planning cost?

A: Rather & Kittrell charges a blended annual fee based on your assets under management. Rather & Kittrell fees are fully transparent. Our fee schedule is published on our website at https://rkcapital.com/our-services/wealth-management/fees/ . Our fee covers ongoing planning, collaboration, coordination, and implementation as your life evolves and your planning needs change.

Q: What types of clients work with Rather & Kittrell for financial planning?

A: We work with individuals, families, business executives, entrepreneurs, and business owners who want a thoughtful, coordinated approach to their financial lives. Many clients come to us during life transitions such as pre-retirement planning, retirement, career changes, selling a business, divorce, or inheritance.

Q: How can financial planning help with estate and legacy goals?

A: Rather & Kittrell helps you design a plan for how your wealth will be protected, used, and eventually passed on. We coordinate tax-efficient strategies, beneficiary planning, and estate considerations so your intentions are clear, and your legacy is carried out thoughtfully.

Q: What should I look for when choosing a financial planning partner?

A: Look for a fiduciary, a transparent process, a clear fee structure, the ability to coordinate with tax and legal professionals, and experience guiding clients with similar goals. Rather & Kittrell meets these standards and is committed to helping you make confident, well-informed financial decisions.