Philosophy of Independence

We believe in providing unbiased and objective advice based solely on your situation, not on proprietary products or corporate constraints. That’s why we stand by our own declaration of independence and sit on your side of the table. We always look after your best interests, guided by an honest assessment of your needs and goals. Your agenda is our compass.

Fiduciary Excellence

As your fiduciary, we are straightforward in our advice, transparent in our fees, and responsive in our service. We engage in the relentless pursuit of putting you first in everything we do. Our internal checks and balances are reinforced by a certification from the Centre for Fiduciary Excellence (CEFEX). CEFEX provides independent recognition of our firm’s conformity to a defined standard of practice and our trustworthiness as an investment fiduciary.


30-year Heritage

Established in 1983, we have weathered our share of economic storms and financial fads. We have years of experience in balancing traditional values and proven practices with timely insight and flexible approaches to help minimize undue risk and maximize opportunity in any climate. We take a team approach to provide consistent, quality advice and service. One of the original independent advisory firms and a pioneer in Financial Life Planning® services, we remain thought leaders in the financial planning profession.

RTD has been nationally recognized as one of the top advisory firms by numerous publications such as Money Magazine, Worth, Philadelphia Business Journal, and Barron’s.

Money MagazineWorth Business Journal Barron'sMedical Economics