Hi, I’m Rita Janaky, an investment management coach located in Colorado Springs, Colorado. I work with intelligent women who want to take control of their financial futures. They are typically women who either earned it, inherited it or received it through divorce, and found themselves suddenly facing important investment decisions. I am not a financial planner – I am an investment manager. And, I consult with people who are looking to buy a business or sell their current business.
Why do I do this work? Because I enjoy helping women remove stress from their lives by showing them how to make financial decisions that are aligned with their values or beliefs and ultimately helps them meet their goals. Basically, I want them to feel comfortable with the information so they can make more informed choices.
I have been an advisor since 2001. In February 2004, I started Golden Hills Financial Group, LLC, a Colorado registered investment advisory firm. This is an independent fee-only advisory firm.
Portfolios we create for clients can be moved without disrupting the portfolio because the securities we buy are not proprietary. For instance, if an advisor represents a firm whose securities are sold only through their advisor network, when a client becomes dissatisfied or heirs want to use a different advisor, the assets must either be sold, creating potentially large cap gains tax liabilities or an advisor within that same network must be utilized. If our clients or their heirs elect to move, their entire portfolio can be transferred to another advisor with no penalty.
We believe that the markets are generally quite efficient. That means we rely on exchange-traded funds, index funds, and low cost mutual funds when building client portfolios. These are low-cost, tax efficient securities that keep more of our clients money working for them.
I am a Licensed International Financial Analyst, hold an M.B.A. and a B.S. in Business Administration, emphasizing finance with a minor in economics. I have taught finance and investments at 2 universities, for the American Association of Individual Investors (AAII) Colorado Chapters, as well as public seminars.
The goal of this blog is to educate. In particular, to educate women who want to become better investment managers or those women who want to learn more about ‘how to sell their business’ or ‘how to buy a new business’.