Roof Eidam Maycock Peralta

Charles Schwab LPL eMoney

APPROACH

At Roof Eidam Maycock Peralta (REMP), our approach goes beyond financial planning — we provide life planning. Working with you, we identify your broad life goals — the key factors that make you happy. We then develop and refine a financial strategy that will help you pursue your interest. What ultimately matters most is not the securities you select, but whether your financial portfolio enables you to live the life you envision.

We also believe you should know and trust those who help manage your investment portfolio. We accept clients by referral only. We are a Registered Investment Adviser (RIA), registered with the US Securities and Exchange Commission. We manage over $700 million in advisory assets for more than 300 individual and institutional clients. Our process is comprehensive, seeking to balance income and investment planning, tax management, retirement planning, estate planning, risk management, and other key elements of financial planning. We draw on deep experience and knowledge — our four partners share an aggregate of more than 100 years in financial services.

As portfolio advisors, we align our interests with yours. Our mission is to help preserve and build your financial security and prosperity through comprehensive financial planning and disciplined asset management. To fulfill this mission, we uphold the highest standards of professional ethics and integrity, and provide stellar client service.

SERVICES

Income & Investment +

Our approach balances your need for immediate income with longer-term asset accumulation goals. We begin by analyzing your household budget and cash flows, tax situation, and investment preferences. We subscribe to the philosophy of “paying yourself first” by establishing a lucid capital accumulation and investment strategy for surplus cash flows to build assets. REMP provides sophisticated asset management to help optimize your portfolio's total return for your given risk tolerance. After an exhaustive analysis of your risk capacity, investment objectives and time horizons, we construct a personalized portfolio strategy designed to meet your financial planning needs.

Retirement Management +

Each client's desires and requirements are unique. Many clients no longer desire to “work, work, work...retire.” We help our clients achieve financial independence, so that they can choose how they pursue their work, volunteer, and leisure goals. We work with existing retirement plans and/or install new ones to help maximize all available capital accumulation and distribution strategies.

Tax Planning +

While grappling with the intricacies of each client's tax strategies, we keep your broader life planning goals in the foreground. We work closely with your tax advisors to help minimize tax liabilities in all stages of your life via a variety of income, gift, and estate tax planning strategies. We monitor each client's evolving tax scenario and adjust portfolios accordingly to minimize ongoing tax consequences of their investments wherever possible.

Estate Planning +

We are involved in multi-generational life planning for many of our clients' families. In estate planning, we work with our clients' estate attorneys to ensure that they establish and maintain mechanisms to facilitate the efficient transfer of wealth. We work to minimize taxes and maximize benefits to each client's intended recipients, including both individual and charitable beneficiaries, whether via lifetime or testamentary bequests. We are well versed in the complexities of estate planning, including various trusts and insurance vehicles, and we help coordinate our clients' estate administrations.

Risk Management +

Protecting your health, family, home, and assets is a crucial part of life planning. We help you manage risk by determining your appropriate amount of insurance coverage in a variety of areas, including property and casualty, health, disability income, long-term care and life insurances. We help eliminate risk management deficiencies by implementing suitable and competitively priced insurance policies. Our holistic approach also analyzes any employee and government insurance benefits for which you may be eligible.

Other Financial Planning Areas +

In addition to these core disciplines, we provide counsel in all relevant areas of financial planning, including real estate, education, familial and legacy planning.

ABOUT

As an independent firm, Roof Eidam Maycock Peralta provides unbiased financial planning and investment advice based on a thorough understanding of your unique circumstances and philosophy regarding your wealth.

REMP manages portfolios employing both strategic and tactical asset allocations, based on current economic and market conditions. We strive to provide competitive returns, while also striving to achieve this performance with less volatility than the relevant benchmarks, continually monitoring your portfolios, and employing risk management tools to help mitigate volatility whenever appropriate.

Our partners have decades of experience in financial planning, and continually enhance that experience through a rigorous program of continuing education.

Gary E. Roof, CFP®

The founder and senior partner of Roof Eidam Maycock Peralta, Gary began his financial planning and asset management practice in San Francisco in 1982. Before that, he was a financial planner and broker at the Acacia Group in Washington, D.C. for eight years. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), holds life and disability insurance licenses, and is a member of the Financial Planning Association. He attended the University of Dayton and earned a BS in pre-law from Wright State University.

Don H. Eidam, CFP®

Don has been with the firm since 1988 and became a partner in 1993. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), holds life and disability insurance licenses, and is a member of the Financial Planning Association. He has a BA in economics and international relations from the University of Wisconsin at Madison.

Randall R. Maycock, CFP®

Randy joined the firm in 1990 and became a partner in 1997. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a member of the Financial Planning Association. Randy earned a BSE in entrepreneurial management from the Wharton School at the University of Pennsylvania. He has done extensive volunteer work in the Bay Area Jewish community.

John Peralta, CFP®

John joined the firm in 1995 after working for several years as a broker for Lehman Brothers and Merrill Lynch. He became a partner in 2001. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), holds a life and disability insurance license, and is a member of the Financial Planning Association. He earned a BS in finance, banking, and real estate from San Francisco State University.

Disclosure information Form CRS

Roof Eidam Maycock Peralta, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Roof Eidam Maycock Peralta, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Roof Eidam Maycock Peralta, LLC unless a client service agreement is in place.