Paul R. Ruedi

CFP®
Personal Finance, Retirement, Investing
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“Paul R. Ruedi CFP® is a Financial Advisor at Ruedi Wealth Management, an RIA firm in Champaign, IL with over $200M under management. He is a Certified Financial Planner™ and specializes in retirement planning.”
Firm:

Ruedi Wealth Management

Job Title:

Financial Advisor

Biography:

Paul has been with Ruedi Wealth Management since April 2015 and works remotely from The Colony, TX.  He is also a contributor to the Ruedi Wealth Blog and regular guest on Paul Ruedi’s “On the Money” radio show on Newstalk 1400 WDWS.

Prior to working at Ruedi Wealth Management, Paul worked in the Financial Advisor Services department at Dimensional Fund Advisors, teaching advisors about the core investment philosophies behind Dimensional’s mutual funds and how to implement them in client portfolios.  Paul started out working with RIA firms similar in size to Ruedi Wealth on the east coast, until about halfway through when he moved to a group that worked with some of the largest, most successful advisory firms in the country. He believes it was a great learning experience to see how these firms operate, and found it interesting that these larger firms didn’t really do anything special as far as serving their clients that smaller firms couldn’t do just as well, they were just better marketers and leveraged this to grow to such a large size.

At Ruedi Wealth, Paul helps produce educational resources (Radio Shows, Blog Posts, Newsletters, Seminars) and manages various marketing platforms like their company web site, google marketing, event management, and social media accounts. He loves the fact that this work can be done almost anywhere and involves a certain amount of creativity.  Like everyone at Ruedi Wealth, Paul enjoys what he does because he really feels like it helps people. Even if people read his blogs and listen to their radio show and never become clients, he still feels like he has made a positive impact on their lives by providing them with helpful perspective on complex financial issues.

Education:

BS, Finance, Miami University

Assets Under Management:

$220 million

Fee Structure:

Asset-Based

CRD Number:

5978662

Disclaimer:

No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.

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September 2017
    Investing, Taxes
5 hours ago
    Asset Allocation, Investing, Stocks

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    Financial Planning, Investing
I'm 26, where do I put my money to get the most out of it?
60% of people found this answer helpful

My recommendation would be to skip the stock trading as you are more likely to cost yourself than help yourself investing this way.  Trying to outguess the market and pick the right stocks at the right time is a fool's errand - a much more reliable approach is simply to grow your wealth by investing in stocks using a handful of diversified, low-cost index funds or ETFs.  It's simple, more reliable than picking stocks, and takes almost no effort.

I tend to caution young people against owning bonds, as they have the time horizon and capacity to ride out any short term bumps in the stock market and can benefit from decades of compound growth.  Considering you are only 26, bonds are probably only a good idea if you have a short term goal that you will need the money for that you don’t want to put at risk in the stock market.  Since we don't know what the stock market will do over short periods, you don't want to get caught having to sell stock holdings while they are down to fund a goal that is only a few years away.

If you are going to invest in bonds to save for a short-term goal, you should probably do so using a diversified, low-cost bond fund as it will allow you to more efficiently spread your money around than you could by buying individual bonds yourself.  Make sure the bonds are short-term and high quality – longer term, lower quality bonds can bounce around quite a bit and can leave you at risk of having to sell holdings while they are down.

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How do I invest with minimal net worth?
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If I plan on investing in index funds, do I need a financial advisor?
25% of people found this answer helpful
September 2017
    Investing, Stocks, Starting Out
What are some general tips for stocks and investing?
0% of people found this answer helpful
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What are some tips a young financial adviser might find valuable when first starting out?
0% of people found this answer helpful
September 2017