About Our Firm
Rabe Investment Consulting Group, LLC (“RICG”) is a registered investment adviser that provides investment
management and financial advisory services to individual and institutional investors to help them achieve their
financial needs and goals. RICG is solely owned by Michael N. Rabe, CFA, and has been a registered investment
adviser since July 2021.
Our firm utilizes a holistic approach in providing personalized service to our clients and acknowledges that it is held
to a fiduciary standard of care. The mission of the RICG is to guide our clients through a smooth transition from
earned income to investment income using a lifetime of ongoing investment planning.
Our portfolio management style takes an active approach. Our clients are exposed to a wide expanse of choices
around the world. We use quantitative analysis to screen for undervalued securities. Individual securities are at the
core of the strategy. We surround the core with other types of assets such as exchange traded funds [“ETFs”] and
mutual funds which provide the balance and diversification needed to modify risk. Flexibility to adjust to changing
conditions is key. Using our investment plan as a roadmap we can customize the portfolio to match the clients’ risk
profile.
Types of Advisory Services We Offer
RICG offers a variety of advisory services to individuals, high net worth individuals, foundations, businesses, and
corporations. These services include:
• Investment and wealth management
• Financial planning and consulting
We work with our clients to determine their investment objectives and risk profile and develop a customized
investment plan based on their individual needs and goals. RICG will utilize the financial information provided by
the client to analyze and develop strategies and solutions to assist the client in meeting their financial goals.
Prior to RICG rendering any of the foregoing services, clients are required to enter into one or more written advisory
agreements with RICG setting forth the relevant terms and conditions of the advisory relationship.
Investment and Wealth Management Services
RICG manages our clients’ portfolios on a discretionary and non-discretionary basis. Our investment and wealth
management services are tailored to the needs of our clients and are based on a comprehensive understanding of
each client’s current situation, past experiences, and future goals. With this acquired knowledge we create, analyze,
strategize, and implement goal-oriented investment solutions. These solutions become our clients’ investment
policy. This policy and our matched strategies are designed to be risk appropriate, cost effective and tax efficient.
Our wealth management services generally include a broad range of comprehensive financial planning and/or
consulting services, as well as discretionary and non-discretionary management of investment portfolios.
Client assets are primarily allocated among individual equity and debt securities, mutual funds, exchange-traded
funds ("ETFs"), and in cash and cash alternatives, in accordance with the client's stated investment objective and
risk/volatility parameters. Where appropriate, RICG may also provide advice about many types of legacy positions
or other investments held in client portfolios. Clients may also engage RICG to manage and/or advise on certain
investment products that are not maintained at their primary custodian, such as variable life insurance and annuity
contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In
these situations, RICG will direct or make recommendations on a non-discretionary basis for the allocation of client
assets among the various investment options available with the product. These assets are generally maintained at
the underwriting insurance company or custodian for the plan trustee or administrator and clients retain
responsibility for effecting trades in these accounts.
RICG consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon,
liquidity constraints and other related factors relevant to the management of their portfolios. You should promptly
notify us if there are changes in your financial situation or if you wish to place any limitations on the management
of your account. You may impose reasonable restrictions or mandates on the management of your account if RICG
determines, in our sole discretion, the conditions would not materially impact the performance of a management
strategy or prove overly burdensome to the firm's management efforts.
To the extent a client’s assets are invested in a particular fund, those funds will have their own investment practices.
Those investment practices are described in each fund’s prospectus, or in its offering or other disclosure documents.
In addition, selected funds typically have discretion to determine the type, and amount, of securities to be purchased
or sold for the portion of the assets managed by the fund.
Financial Planning and Consulting Services
In connection with the Investment and Wealth Management Services we offer our clients, RICG offers financial
planning and consulting services
to help our clients identify, prioritize and work towards their goals and objectives.
Our consulting services give our clients the ability to receive a broad range of financial advice and services, including
specific security recommendations, for the duration of the advisory agreement.
Our process starts with an extensive review of a client's family situation, which includes assets and liabilities as well
as estate, tax, and insurance needs. We then employ a risk tolerance and risk capacity-focused simulation to get a
detailed cash flow analysis and proposed asset allocation. Together, this information is analyzed to develop a
proposed financial plan, which is designed to be dynamic in nature, ever-evolving due to life changes, along with
changes in cash flow needs, risk tolerance, time horizon, or investment objectives.
RICG’s financial planning and consulting services may include any of the following topics:
• Cash Flow Analysis
• Financial Record Organizing
• Estate Planning
• Charitable Giving
• Education Planning
• Business Planning
• Concentrated Stock
• Federal Benefits & Health Care
• Death & Disability
• Divorce Planning
• Liability Management
• Investment Consulting
• Tax Planning
• Insurance Review
• Family Governance • Retirement Plan Consulting and Employee
Benefits Analysis
In performing these services, RICG is not required to verify any information received from the client or from the
client's other professionals (e.g., attorneys, accountants, etc.), and is expressly authorized to rely on such
information. Implementation of financial planning recommendations is entirely at your discretion. You have
complete freedom in selecting a financial adviser to assist you with implementing the recommendations made in
your financial plan and are under no obligation to act on the advice of RICG. Financial planning recommendations
are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance
company. Should you choose to implement the recommendations contained in the plan, RICG suggests you work
closely with your attorney, accountant and/or insurance agent.
RICG will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or
tax advice. You should seek the counsel of a qualified accountant and/or attorney when necessary. As part of our
advisory services, we may assist clients with tax loss harvesting and will work with the client’s tax specialist to
answer any questions related to the client’s portfolio.
Independent Managers
RICG can select certain Independent Managers to actively manage a portion of its clients' assets. Pursuant to the
terms of the investment advisory agreement, RICG shall have the discretion to appoint and terminate these third-
party advisers. The specific terms and conditions under which a client engages an Independent Manager may also
be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure,
clients will also receive the written disclosure documents of the respective Independent Managers engaged to
manage their assets. RICG evaluates a variety of information about Independent Managers, which may include the
Independent Managers' public disclosure documents, materials supplied by the Independent Managers themselves
and other third-party analyses it believes are reputable. To the extent possible, RICG seeks to assess the Independent
Managers' investment strategies, past performance and risk results in relation to its clients' individual portfolio
allocations and risk exposure. RICG also takes into consideration each Independent Manager's management style,
returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors.
RICG continues to provide services relative to the discretionary or non-discretionary selection of the Independent
Managers. On an ongoing basis, RICG monitors the performance of those accounts being managed by Independent
Managers. RICG seeks to ensure the Independent Managers' strategies and target allocations remain aligned with
its clients' investment objectives and overall best interests.
Complimentary Newsletters
RICG offers complimentary newsletters to its clients free of charge. The content of the newsletters is general in
nature, and no recommendations or security specific information is included in the content of the newsletters.
Portfolio Management Services for Wrap Fee Program
RICG offers its portfolio management services through a wrap fee program. A bundled or “wrap fee” program is an
advisory fee program under which you pay one bundled fee to compensate RICG for portfolio management and trade
execution. A wrap fee program may not be the lowest cost option if you would like to restrict your investments to
open-end mutual funds or other long-term investment products. Please refer to our Wrap Fee Brochure for further
information on this program.
Amount of Assets We Manage
As of December 31, 2023; RICG manages $102,739,487 of regulatory assets under management on a discretionary
basis, and $18,218,582 on a non-discretionary basis.