Our Services

Rice Financial Consulting is different — and that difference makes us better. Why?  Because we view our clients and our profession differently than the typical financial advisor or insurance and investment broker. Our unique servicing approach has three main characteristics:

  • First, our clients’ lifetime of concerns are at the forefront of our unique offer, The Living Balance Sheet®.  The result is that we have financially healthy clients with the peace of mind they deserve.  Our recommendations are always based solely on what is best for our client’s individual situation.
  • Second, many professionals in our business focus on their clients’ anticipated financial “needs” at some arbitrary point in the future and formulate their solutions based on these perceived “needs.”  We recognize that there is no set timeline for when you will want to access and use your accumulated wealth.  We are focused on building our clients’ wealth to the maximum level possible, while eliminating the potential pitfalls that are ignored in traditional planning.
  • Finally, Rice Financial Consulting routinely “de-bunks” the myths and false beliefs that have guided countless people into unsound financial decisions.  Too many financial actions have been based on widely accepted misinformation, oftentimes perpetuated by widely read financial publications or espoused by “Financial Entertainers” on television, or in the mass media  Often, it’s a case of neglecting to account for one financial factor that could impact another.  Or, the theoretical benefits of one investment vehicle will be selectively promoted, without looking at how other factors will affect its true yield.

We apply this same approach for all of our clients, no matter which of our services they may need.

Financial Planning Services*

  • Fee-Based Financial Planning

Asset Management Services*

  • Fee-Based Asset Management
  • Mutual Funds
  • Brokerage Account Services

Insurance Services

  • Life Insurance
  • Long-Term Care Insurance**
  • Disability Income Insurance**

Business Services

  • Executive Business Planning
  • Qualified Retirement Programs
  • Deferred Compensation Plans
  • Buy-Sell & Buy-Out Funding
  • Supplemental Group Life & Disability Insurance

For more detail about our highly-successful approach to planning for your financial peace of mind, please click on our “Planning” page.

*Securities products/services and advisory services offered through Park Avenue Securities LLC (PAS), a registered broker-dealer and investment advisor, 7 Hanover Square, New York, NY 10004, 1-888-600-4667. PAS is an indirect, wholly owned subsidiary of Guardian.  Integrated Financial & Insurance Services is not an affiliate or subsidiary of PAS or Guardian.  PAS is a member FINRA, SIPC.

** Disability Income and Long-Term Care Insurance products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of  The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance Company of America, and other fine companies.