Your financial life has a lot of moving parts. We help you bring them together.
You've built real financial success. The question is whether it's all working toward the same goal - retirement, taxes, estate, insurance, and income moving together instead of in isolation. That's what River does.
Who We Are
A Planning Firm. Not a Product Firm.
You may have done some estate planning
You've built a diversified investment portfolio
You have an insurance plan
Each one does their job.
“ Who makes sure the pieces work together? ”
River exists to answer that question.
Who We Work With
Two Questions. One Integrated Plan.
River Financial Group works with mass affluent families who have built real financial success and need someone to hold the whole picture together.
Retirement planning. Benefits planning. Investment management. Care coordination. Brought together into one plan.
What life stage are you in?
Approaching Retirement
Already Retired
What complexities does your family have?
Raising a Child with a Disability
Multiple Generations, Complex Assets
River doesn't treat these as separate conversations.
Whatever your life stage, and no matter your family’s complexity, whether that includes special needs, multiple generations, or both, we build one integrated plan to help you bring them together.
Special needs families are pre-retirees and retirees too, with an additional layer of planning that most advisors were never trained to handle. Learn more →
How It Works
Three Steps to Building Your Integrated Plan
1
Schedule a 15 minute call
Start the conversation to see if we can help
2
We Identify the Gaps
We audit what you have and show you what’s missing or misaligned.
3
We Build Your Integrated Plan
Every piece working together in one integrated plan.
Our Story
Leo Rotman founded River because he kept seeing the same problem. Families with real financial success. Real care for the people they loved. And real gaps in their plan, because no one had ever brought all of it together. River is the firm they wished had existed.
Why River
Fee-Based. Built for Complexity.
Certified Financial Planner(R)
Everything we do is designed for families with special needs loved ones, not adapted from a general financial planning practice.
Fiduciary Standard
When acting as your investment advisor representative, we are held to a fiduciary standard. This duty does not apply to brokerage or insurance transactions, which are subject to different standards
Nationwide Planning
We serve families across all 50 states virtually and meet in person at our offices in Newton, MA and Miami, FL. Wherever you are, we can help.
Questions We Hear Most Often
Before You Book a Call
How is River different from our current advisor?
River was built to integrate retirement planning, government benefits, estate coordination, and lifetime care funding into a single coordinated plan for families raising a child with a disability.
Do we need to have a child with a disability to work with River?
No. River serves pre-retirees and retirees across a full range of planning needs. Special needs planning is our deepest area of specialization, but it is one of several planning domains we work in.
How does River get paid?
River discloses fees at the time of service. Financial planning is generally a flat-fee, and investment advisory services are generally charged as a percentage of assets under management. Separately, in their capacity as registered representatives of DFPG Investments, LLC, advisors may earn commissions on brokerage and insurance- we disclose any conflicts of interest in our Form ADV and Form CRS and work to manage them in your family’s best interest.
What does the first meeting look like?
We start with a 15-minute discovery call, with no forms and no pressure. If there’s a fit, we move into a deeper planning conversation where we learn your full picture and show you what an integrated plan looks like for your family.
Ready to See What a Integrated Plan Looks Like for Your Family?
No forms. No pressure. Just an honest conversation about where your plan stands and what it would take to bring the full picture together.