What We Do

Operating on a fee-only basis is in keeping with the objective, independent, client-centered approach we take with your financial affairs. Fee-only planning is also in keeping with our role as your financial fiduciary - which means putting your needs above all else.

As your fiduciary, we must meet a higher standard in matching your needs to a specific financial plan, which is higher than the "suitability" standard set for commission-based registered representatives. In other words, our advice is given in your best interest.

We can use any investment product we choose for your portfolio. We will only suggest trades when they suit your needs and goals, and we can discuss and analyze financial issues that may not relate to any specific product.

Click here for a brief video on Brokers vs. Advisors.

Ask yourself:

* Have you defined what a secure retirement will look like? Are you meeting your goals to reach this?

* Is your portfolio appropriately diversified, utilizing cost effective investment vehicles?

* How often are you rebalancing your investment holdings in order to maintain the desired tolerances?

* Are you maximizing your tax planning opportunities and minimizing unnecessary tax penalties?

* Do you know how to organize and optimize your charitable and legacy distributions?

* Are your estate planning documents set up to achieve the goals you desire for your family?

True financial planning is about more than just investments and managing a portfolio. It involves estate planning, tax planning, retirement planning and more. It’s complicated. But it doesn’t have to be, and that’s where we can alleviate your burdens.

Wealth Management

Ritter Daniher has been in existence for 14 years providing wealth management services streamlined to achieve your goals and answering these questions. Collectively, our five financial advisors have more than 90 years of experience assisting clients with their financial affairs. Our well-organized, ongoing reviews keep your plan on track, and are adaptable to your ever-changing life needs. In addition to the above, we offer:

~ Personal Balance Sheet preparation ~

~ Employee benefit planning ~

~ Cash Flow analysis ~

~ Expense management planning ~

~ Debt management ~

~ College funding analysis ~

~ Insurance review and needs analysis ~

You can view our Wealth Management Service Chart in order to see a visual depiction of the services that we offer.

Ritter Daniher also offers investment-planning only for some clients, as well as one-time consultations. However, the majority of our clients partake in our wealth management services, and that is where we dedicate most of our time.

You know the saying: If you do what you have always done, you will get what you’ve always gotten. Take a different route: contact us today to set up your complimentary consultation.

To watch a YouTube video that explains a bit of how we work with clients, please click on the following website link:

Ritter Daniher Financial Advisory, LLC - NAPFA Video

Investment Management

Some clients only require investment management services from Ritter Daniher. These services include asset allocation, investment selection and monitoring, and portfolio rebalancing to established targets. Due to the limited services being offered under this service offering, we are able to work with clients with as little as $100,000 in investable assets. The fee for this service is an annual "assets under management" fee of 1% of the portfolio value.


RDFA is an Ohio corporation registered as an Investment Adviser with the Securities and Exchange Commission, located in Washington, D.C. Information regarding RDFA and its filing with the Securities and Exchange Commission can be viewed through the Investment Adviser Public Disclosure website, located at:


John K. Ritter, Jeffrey E. Daniher, Gregory T. Busch, Ronda L. Koehler and Michele R. Daniher are Registered Financial Advisors with NAPFA, the National Association of Personal Financial Advisors. As such, they adhere to NAPFA's strict guidelines regarding full disclosure and acting in the best interest of the client at all times. They are also Certified Financial Planner Licensees, and are therefore entitled to use the CFP mark and logo.