About Ridge and Republic Financial
About Ridge and Republic Financial
Ridge & Republic Financial is my independent, fiduciary investment advisory firm based in Dayton, Ohio. I provide financial planning, retirement planning, ongoing support, and investment management for individuals, families, professionals, and business owners.
I'm Adam Betzelberger, the firm's founder and Managing Principal.
I primarily work with clients who have dedicated years to building their financial lives, encompassing retirement accounts, investments, Social Security benefits, pensions, business interests, real estate, or other assets. As retirement approaches, the types of questions they ask often shift.
When can I retire?
How much can I reasonably spend in retirement?
When should I take Social Security?
Should I consider Roth conversions?
How will taxes affect my retirement income?
How should I invest as I near retirement?
What happens to my plan if markets fall?
Am I taking the right amount of investment risk?
These are the essential questions I help my clients navigate.
My approach to financial planning ensures that I view all the components—investments, taxes, Social Security, retirement income, and spending—as interconnected, rather than isolated decisions. I can model various scenarios, identify trade-offs, evaluate risks, and guide clients to make informed choices based on their unique situations.
In addition to my advisory role, I prioritize education. With around 15 years of experience teaching economics, finance, history, and government before founding Ridge & Republic, I strive to help clients understand the reasoning behind my recommendations so they can engage confidently in financial decisions.
Financial Planning
My comprehensive approach to financial planning is tailored to answer the specific questions clients bring, especially those nearing retirement. This may involve determining a feasible retirement date, estimating sustainable retirement income, evaluating Social Security strategies, reviewing Roth conversion opportunities, analyzing tax implications, assessing insurance needs, and coordinating withdrawals from various accounts.
For business owners and working professionals, planning may additionally address cash flow, concentrated assets, competing financial goals, business interests, and how current income should be allocated between immediate priorities and long-term aspirations. The analysis is personalized, starting with a key question or decision that needs to be addressed.
Ongoing Support and Advisory
Not every individual seeking financial advice desires to have someone else manage their investments. I offer ongoing support in an advisory capacity for clients who wish to maintain control over their own investment accounts while still having access to a fiduciary adviser.
I can review investments across multiple accounts, evaluate portfolio risk and concentration, update retirement projections, revisit Social Security or Roth conversion decisions, analyze major financial choices, and adjust the financial plan as circumstances evolve. This ongoing support is particularly beneficial as clients approach retirement, when decisions about investments, taxes, withdrawals, Social Security, Medicare, and spending become increasingly interrelated.
When necessary, I also coordinate planning recommendations with a client’s CPA, attorney, or other professionals to ensure a holistic approach.
Portfolio Management
For those who prefer to delegate investment decisions, I offer discretionary portfolio management services. I craft investment portfolios aligned with each client’s financial plan, time horizon, income needs, risk tolerance, and capacity for loss. Every investment management relationship includes a written Investment Policy Statement that outlines the objectives and parameters for the portfolio.
I continuously monitor portfolios and make adjustments when necessary, ensuring that the investments align with the client’s broader financial plan. The relationship between investment management and financial planning is crucial; a portfolio intended for wealth accumulation at age 45 may need a different strategy when that individual is nearing retirement and ready to draw income.
Independent Fiduciary Advice in Dayton, Ohio
Ridge & Republic Financial is an independent registered investment adviser committed to serving clients in the Dayton area and beyond.
As a fiduciary investment adviser, I am obligated to prioritize my clients’ interests above all else. I do not earn commissions from selling financial products. My focus lies in the thorough analysis of each situation, explaining the available choices and trade-offs, and offering advice that best serves my clients’ needs.
Whether it’s developing a comprehensive retirement plan, managing a portfolio, or addressing one significant financial question, I built Ridge & Republic to provide the support and expertise that clients deserve.
About the Founder
Adam Betzelberger - Founder, Managing Principal
Ridge & Republic Financial is my independent, fiduciary investment advisory firm based in Dayton, Ohio. I provide financial planning, retirement planning, ongoing support, and investment management for individuals, families, professionals, and business owners.
I'm Adam Betzelberger, the firm's founder and Managing Principal.
I primarily work with clients who have dedicated years to building their financial lives, encompassing retirement accounts, investments, Social Security benefits, pensions, business interests, real estate, or other assets. As retirement approaches, the types of questions they ask often shift.
When can I retire?
How much can I reasonably spend in retirement?
When should I take Social Security?
Should I consider Roth conversions?
How will taxes affect my retirement income?
How should I invest as I near retirement?
What happens to my plan if markets fall?
Am I taking the right amount of investment risk?
These are the essential questions I help my clients navigate.
My approach to financial planning ensures that I view all the components—investments, taxes, Social Security, retirement income, and spending—as interconnected, rather than isolated decisions. I can model various scenarios, identify trade-offs, evaluate risks, and guide clients to make informed choices based on their unique situations.
In addition to my advisory role, I prioritize education. With around 15 years of experience teaching economics, finance, history, and government before founding Ridge & Republic, I strive to help clients understand the reasoning behind my recommendations so they can engage confidently in financial decisions.
Financial Planning
My comprehensive approach to financial planning is tailored to answer the specific questions clients bring, especially those nearing retirement. This may involve determining a feasible retirement date, estimating sustainable retirement income, evaluating Social Security strategies, reviewing Roth conversion opportunities, analyzing tax implications, assessing insurance needs, and coordinating withdrawals from various accounts.
For business owners and working professionals, planning may additionally address cash flow, concentrated assets, competing financial goals, business interests, and how current income should be allocated between immediate priorities and long-term aspirations. The analysis is personalized, starting with a key question or decision that needs to be addressed.
Ongoing Support and Advisory
Not every individual seeking financial advice desires to have someone else manage their investments. I offer ongoing support in an advisory capacity for clients who wish to maintain control over their own investment accounts while still having access to a fiduciary adviser.
I can review investments across multiple accounts, evaluate portfolio risk and concentration, update retirement projections, revisit Social Security or Roth conversion decisions, analyze major financial choices, and adjust the financial plan as circumstances evolve. This ongoing support is particularly beneficial as clients approach retirement, when decisions about investments, taxes, withdrawals, Social Security, Medicare, and spending become increasingly interrelated.
When necessary, I also coordinate planning recommendations with a client’s CPA, attorney, or other professionals to ensure a holistic approach.
Portfolio Management
For those who prefer to delegate investment decisions, I offer discretionary portfolio management services. I craft investment portfolios aligned with each client’s financial plan, time horizon, income needs, risk tolerance, and capacity for loss. Every investment management relationship includes a written Investment Policy Statement that outlines the objectives and parameters for the portfolio.
I continuously monitor portfolios and make adjustments when necessary, ensuring that the investments align with the client’s broader financial plan. The relationship between investment management and financial planning is crucial; a portfolio intended for wealth accumulation at age 45 may need a different strategy when that individual is nearing retirement and ready to draw income.
Independent Fiduciary Advice in Dayton, Ohio
Ridge & Republic Financial is an independent registered investment adviser committed to serving clients in the Dayton area and beyond.
As a fiduciary investment adviser, I am obligated to prioritize my clients’ interests above all else. I do not earn commissions from selling financial products. My focus lies in the thorough analysis of each situation, explaining the available choices and trade-offs, and offering advice that best serves my clients’ needs.
Whether it’s developing a comprehensive retirement plan, managing a portfolio, or addressing one significant financial question, I built Ridge & Republic to provide the support and expertise that clients deserve.