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They include 77 high-net-worth individuals, 59 individual clients, and 5 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does RF&L Wealth Management offer?","answer":"RF&L Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, and retirement plan services.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does RF&L Wealth Management charge?","answer":"RF&L Wealth Management charges 0.80%–1.25% a year for its Investment management services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"RF&L WEALTH FORM ADV PART 2A, filed 11 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does RF&L Wealth Management use?","answer":"RF&L Wealth Management’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $378M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does RF&L Wealth Management have?","answer":"RF&L Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does RF&L Wealth Management invest in?","answer":"At the end of its last fiscal year, RF&L Wealth Management’s separately managed accounts held 65% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 13% cash and equivalents and 4% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns RF&L Wealth Management?","answer":"RF&L Wealth Management’s direct owners are Andrew Hass (50% to 75%) and Ryan Hass (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 11 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does RF&L Wealth Management get paid?","answer":"RF&L Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}