Roni Kuzma

Welcome to my website

Our team believes in a personalized, logical approach to wealth management. Our approach involves asset allocation, diversification and wealth management planning, tailored to help you reach your specific goals and financial security. We will help you focus on the accumulation, protection and potential transfer of your wealth. We will also offer continuous encouragement as we work together toward achieving your objectives.

The most important behavior that separates good investors from poor is patience. We live today in a quick fix society. There is no quick fix or get rich quick component in investing. Please do not give us money you may need sooner than five years from now. Please try to be patient. Just as you would not immediately sell your house because it gained 10% in value, do not ask us to sell your investments quickly for small gains.  Statistical evidence shows that rapid trading diminishes long term returns.  

Investing should be a serious business because it is about your future. Our role is to help you design the plan and continually encourage you to be committed to your plan. We want to make you and your families better off financially.

Wondering what to do with excess 529 savings?

If you’ve saved diligently for a family-member’s education—and he or she does not need help funding education expenses—the 529 Plan savings can still be used without tax penalties. You could transfer funds to another child, to a niece/nephew or a grandchild. Or, see if room, board and textbook costs can be covered. You might even be able to pay for college credits for a qualifying gap year program. Contact me to discuss your education savings options in more detail.

When to start taking Social Security benefits

Social Security can be an important part of your retirement income stream. The decision about when to begin taking the benefits you have earned may have important consequences. Start them early and your monthly income will be lower than if you wait until your full retirement age. Delay them and your monthly “paycheck” will be larger. Please contact me for help determining when it may be appropriate for you to start taking social security benefits and to explore strategies for maximizing benefits for married couples.

Taking required minimum distributions

If you invest in traditional IRAs or employer-sponsored retirement savings plans, it’s important to know that they are not shielded from taxes indefinitely. When you reach age 73, depending on the year you were born you must take required minimum distributions (RMDs) to avoid tax penalties. Contact me today to learn more about your options.

Gain financial flexibility

Be prepared for many of your financing needs by opening an RBC Credit Access Line. With no cost to set up, no ongoing fees, competitive interest rates and favorable terms, it may be a practical tool to help accomplish your immediate and long-term goals. Contact me today to explore this potentially untapped source of opportunity. 

Financial security begins by building a plan you can trust

At RBC Wealth Management, we understand your financial goals are unique — that’s why we provide customized advice. No matter where you are in life, you can depend on our investment management expertise to build a plan that helps you achieve your financial goals. Explore my website to learn more about our customizable solutions designed to strengthen your financial security.

How to protect yourself in the event of a data breach

Data breaches are worrisome and frustrating, not knowing if — or when — your information may be used by thieves. Taking these steps can help you regain a sense of control and may help safeguard your personal and financial information. Read more.

Hope...is not an investment strategy