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Unbiased, Independent, Client-Focused Advice. A Registered Investment Advisor has a fiduciary duty to operate solely in the client’s interest. Celia creates an investment portfolio reflective of the values, goals, and preferences of each client, and structured to achieve the best chance of success. Disciplined, Attentive Risk Management. Dedicated, Experienced Investment Professional. Comprehensive Knowledge of Investment Choices. Clear Vision of the Financial Landscape. Celia’s breadth of financial expe...

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Unbiased, Independent, Client-Focused Advice. A Registered Investment Advisor has a fiduciary duty to operate solely in the client’s interest. Celia creates an investment portfolio reflective of the values, goals, and preferences of each client, and structured to achieve the best chance of success. Disciplined, Attentive Risk Management. Dedicated, Experienced Investment Professional. Comprehensive Knowledge of Investment Choices. Clear Vision of the Financial Landscape. Celia’s breadth of financial expe...

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3 news

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6 celia@rafalkoinvest com

7 investment insights

8 celia rafalko

9 registered investment advisor

10 richmond virginia

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Unbiased, Independent, Client-Focused Advice. A Registered Investment Advisor has a fiduciary duty to operate solely in the client’s interest. Celia creates an investment portfolio reflective of the values, goals, and preferences of each client, and structured to achieve the best chance of success. Disciplined, Attentive Risk Management. Dedicated, Experienced Investment Professional. Comprehensive Knowledge of Investment Choices. Clear Vision of the Financial Landscape. Celia’s breadth of financial expe...

INTERNAL PAGES

rafalkoinvest.com

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HOME

http://www.rafalkoinvest.com/home-1.html

Rafalko Investment Advisory is now Rafalko Advisors! We are excited to announce that effective January 1, 2016, Rafalko Investment Advisory has changed its legal name to Rafalko Advisors, Inc. Under our new name we will be servicing the financial needs of individuals and businesses. We believe this change will help support continued growth of our company while allowing us to maintain the superior level of service or clients deserve. Click Here if you are not redirected. 804) 888-7765 (804) 397-0476.

2

PHILOSOPHY

http://www.rafalkoinvest.com/philosophy.html

Our Client Relationship Philosophy. The basis of the client-advisor relationship is trust. We get to know our clients, and we develop an understanding of every client’s interests and goals. Our only allegiance is to their financial success. We get in touch with clients whenever interesting new events happen to create opportunities, influence strategy, and affect investments. All our activities are completely transparent. Discipline, Clarity and Vigilance. Central to skillful investing is disciplined risk...

3

NEWS

http://www.rafalkoinvest.com/news.html

The Weekly View 11-9-2015, October Data Supports a Stock Rally. It may seem odd to expect stocks to go up after the few bad days we have had in the stock market, particularly after the unsettling declines in August and September. While hourly workers continue to struggle with average increases well below the pre-2008 average of 3.8% per year, the recent annual average increase rose to 2.5% for the first time in five years from its stubborn 2% rate. While the chances of an increase in interest rates from ...

4

RESOURCES

http://www.rafalkoinvest.com/resources.html

The Big Short - by Michael Lewis. The Retirement Savings Time Bomb - by Ed Slott. This Time Is Different: Eight Centuries of Financial Folly - by Carmen Reinhart and Kenneth Rogoff. Broker Dealer (BD) -. Exchange-Traded Fund (ETF) -. Market Capitalization (often referred to as market cap) -. Market cap is the company’s stock price multiplied by the number of shares outstanding, which reveals the size of the company and reflects its equity value. Traditionally, companies were divided into large-cap, m...

5

PROCESS

http://www.rafalkoinvest.com/process.html

Developing An Individualized Portfolio. In our first meetings with each new client, we review your existing situation, discuss your financial goals, and learn what your preferences are. Then we make an overall plan to guide the development of your individual portfolio. We aim to take advantage of the good investments you already hold, to decrease the overall risk, and to add assets that will improve the performance of your portfolio over time. Personal Attention To Your Financial Goals.

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Unbiased, Independent, Client-Focused Advice. A Registered Investment Advisor has a fiduciary duty to operate solely in the client’s interest. Celia creates an investment portfolio reflective of the values, goals, and preferences of each client, and structured to achieve the best chance of success. Disciplined, Attentive Risk Management. Dedicated, Experienced Investment Professional. Comprehensive Knowledge of Investment Choices. Clear Vision of the Financial Landscape. Celia’s breadth of financial expe...

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