R & R Financial Planners

The firm operates on a fee-only basis, deriving compensation from asset-based fees calculated as a percentage of client assets under management. This structure means the advisor does not earn commissions on product sales or recommended transactions. The specific fee schedule is disclosed in the firm's Form ADV Part 2, updated annually.

As a registered investment advisor regulated by the SEC or the state of Kansas, R & R Financial Planners is bound by a fiduciary duty to its advisory clients. This legal obligation requires the firm to place client interests ahead of its own and to disclose any material conflicts of interest. This distinguishes RIAs from broker-dealers, who are held to a less stringent suitability standard.

R & R Financial Planners does not custody client assets internally. Client funds and securities are held at independent, qualified custodians—typically national broker-dealers or trust companies. This separation of custody from advisory services acts as a key investor protection, as clients receive account statements directly from the custodian, independent of the advisor.

The firm employs a traditional fundamental approach to asset allocation and security selection. Portfolios are built around diversified holdings in equity and fixed-income markets, with an emphasis on long-term holding periods and low turnover. The focus is on matching portfolio risk to each client's time horizon, income needs, and risk tolerance rather than speculative trading.

Based on the publicly available record, R & R Financial Planners does not sponsor private funds, hedge funds, or pooled investment vehicles. The firm's regulatory filings do not indicate participation in direct private equity, venture capital, or real estate partnerships. Its practice is limited to managing separately managed accounts on behalf of individual clients.