Meet without geography becoming the constraint.
Intro calls, planning reviews, and follow-up conversations are handled virtually so clients can stay focused on the decision, not the commute.
100% virtual wealth management
Rae & Co Capital
Premium advice. No office visit required.
Rae & Co Capital is built for clients who want serious wealth management without sitting in a conference room. Investment management, retirement income, financial planning, and protection planning are handled through a focused virtual advisory relationship.
Virtual modelFrom first conversation to ongoing review, the relationship is designed to work remotely.
Meet remotelyVideo or phone, based on the decision and the client’s preference.
Organize digitallyDocuments, notes, next steps, and follow-up are handled without office logistics.
Access directlySchwab and Mutual of Omaha portals stay separate from Rae & Co forms.
Virtual by design
The firm is virtual because the client’s life is not built around an advisor’s office.
A premium virtual model should feel easier, tighter, and more intentional — not distant. The relationship is built around access, clarity, and the ability to make important decisions from wherever life and business are happening.
Keep the work organized between meetings.
The relationship is structured around clear next steps, document review, implementation items, and review rhythm.
Use provider access where it belongs.
Investment account access stays with Schwab. Insurance account access stays with Mutual of Omaha. Rae & Co does not collect portal credentials.
Stay current without waiting for an annual office visit.
Markets, income, business obligations, family needs, and coverage questions change. The model is designed for regular review, not once-a-year theater.
Advisory work
Four disciplines. One coordinated financial view.
The value is not another product pitch. The value is knowing how portfolio, income, planning, and protection decisions affect one another before a move is made.
Investment management
Risk, allocation, liquidity, taxes, and account structure tied to the purpose of the money.
Explore the investment work →Retirement planning
Withdrawal strategy, reserves, income sources, survivor needs, and the shift from saving to spending.
Explore retirement income →Life insurance planning
Existing coverage and new policy needs coordinated with family obligations, debt, business exposure, beneficiaries, and liquidity.
Explore protection planning →Financial planning
Cash flow, investments, insurance, tax exposure, estate priorities, and business decisions organized into action.
Explore the planning work →Planning areas
Click a financial area. See what happens inside it.
Each area shows what Rae & Co reviews, what the client receives, and when that work matters.
Who it serves
For clients with real obligations, not theoretical goals.
Business owners, families, professionals, and retirees often need one thing most: a clear view of how financial decisions affect each other.
Business owners
Personal wealth, company liquidity, key-person exposure, continuity, and income planning tied together.
Pre-retirees and retirees
Income timing, investment risk, reserves, and the high-cost decisions that happen around retirement.
Families with dependents
Protection, education, beneficiaries, cash flow, and long-term planning handled as one picture.
Busy professionals
Compensation, savings, investments, insurance, and major decisions organized without adding complexity.
How it works
A clean virtual path for serious financial work.
The process is direct: identify the decision, organize the moving parts, make the next steps clear, and review the plan as life changes.
Diagnose
Start with the decision on the desk: retirement timing, portfolio structure, insurance fit, cash flow, or a business/family transition.
Architect
Connect investments, income, liquidity, protection, taxes, family priorities, and business obligations into one view.
Coordinate
Turn recommendations into an implementation sequence with clear ownership and timing.
Review
Keep the plan current as markets, laws, income, family, and business needs change.
Client access
Direct portal access for clients.
Use the custodian or carrier portal directly. Rae & Co should never ask clients to enter Schwab or Mutual of Omaha credentials into a Rae & Co form.
Investment accounts
Charles Schwab
For Schwab-custodied investment and retirement accounts.
Insurance accounts
Mutual of Omaha
For Mutual of Omaha policy, billing, and customer access.
Credential reminder: never send passwords, account numbers, policy numbers, or sensitive financial data through a contact form.
Start virtually
Start with the financial decision in front of you.
Use the form for a focused virtual intro call or email-first response. Do not include sensitive financial data.