# "Why work with an independent RIA instead of a big-name firm?" Here's why man...
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Original URL: https://x.com/zachmelloh26/status/2094531926057271758
Author: Zach Melloh, CFP®
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"Why work with an independent RIA instead of a big-name firm?" Here's why many of my clients choose to: 1.Independent advice. I'm not tied to proprietary investment products or in-house solutions. I build portfolios based on what I believe is best for each client's goals not what my firm needs to sell. 2. Retirement is about decisions not just returns. The biggest opportunities often come from: • Tax planning • Roth conversions • Withdrawal strategy • Fixed income positioning • Portfolio rebalancing • Cash flow planning Those decisions can have just as much impact as investment performance. 3. A direct relationship. When something changes in your life, you know exactly who to call. Your advisor knows your goals, your family, and your financial plan not just your account balance. 4. Competitive pricing. Many people assume independent advisors / RIA’s cost more. In many cases, that's simply not true. You can receive comprehensive financial planning and investment management at a very competitive fee. 5. Personalized advice over a recognizable logo. We don't have the biggest "brand." relative to a well known bank. But what we do have is independent thinking, personalized advice, and a commitment to putting our clients first. At the end of the day, I'd rather compete on the quality of advice than the size of the logo on the building. If you're looking for a long-term financial partner to help you navigate complex financial decisions, let’s start the conversation today.