Frequently Asked Questions (FAQs)

1. What does Rizzo Financial Group actually do?

We provide personalized financial planning and wealth management designed to help clients make confident financial decisions. Our services include retirement planning, investment management, tax-efficient strategies, income planning, estate coordination, and long-term wealth planning tailored to your specific goals and life stage.

2. Who do you typically work with?

We work with individuals and families at many stages of life — from professionals building wealth to retirees seeking reliable income strategies. Our clients value personalized advice, long-term relationships, and a clear financial roadmap aligned with their goals.

3. Are you a fiduciary?

Yes. As an investment advisor representative, we operate under a fiduciary standard, meaning we are legally obligated to act in our clients’ best interests when providing advisory services.

4. How is your approach different from other financial advisors?

We focus on strategy first — not products. Our planning process evaluates your risk tolerance, time horizon, income needs, and long-term objectives to create a coordinated financial plan. Our Advanced Time Segmentation® approach is designed to help manage retirement risks and create sustainable income strategies.

5. Do I need a financial plan if I already have investments?

Yes. Investments are only one piece of your financial life. A comprehensive plan integrates taxes, retirement income, insurance, estate considerations, and long-term goals so all parts of your financial picture work together.

6. What happens during the first meeting?

Your initial consultation is a complimentary strategy meeting where we:

Learn about your financial situation and goals
Discuss current challenges or concerns
Identify opportunities and potential risks
Determine whether we are a good fit to work together

There is no obligation to move forward.

7. Can you help with retirement income planning?

Yes. Retirement income planning is a core focus. We help determine how much income you’ll need, where it should come from, and how to structure your investments to support a sustainable retirement lifestyle.

8. Do you provide tax or estate planning advice?

We coordinate closely with your CPA and estate attorney to implement tax-efficient investment strategies and help ensure your estate plan aligns with your financial goals. While we do not provide legal or tax advice directly, we can provide referrals to several highly qualified professionals we work closely with. Collaboration is a key part of our process.

9. How often will we review my financial plan?

Financial planning is an ongoing process. We regularly monitor your progress and update your plan as markets change, life events occur, or your goals evolve to help keep you on track. Typically, we like to meet with our clients on a semi-annual basis, but this can be adjusted per client relationhip.

10. How do I get started?

Simply schedule a complimentary consultation through our website or contact our Scottsdale office at 480 248-8029. We’ll begin by understanding your goals and building a strategy designed specifically for you.

11. How do I know if I’m ready to work with a financial advisor?

You may benefit from working with an advisor if you are:

Nearing retirement or recently retired
Managing multiple accounts or investments
Concerned about taxes or market risk
Have multiple old employer plans such as 401ks that you would like to consolidate
Would like a second opinion on your overall plan and investment strategy
Seeking clarity and confidence about your financial future