I am a Certified Financial Planner® and the owner of Rall Capital Management, an Independent, Fee-Only Registered Investment Advisory firm. We provide institutional-style asset management services to the individual investor. We believe that no one can accurately and consistently predict the movements of the markets, a particular sector, or even an individual security. Therefore we advocate a passive investment strategy using low-cost institutional mutual funds and/or exchange-traded funds. Our goal is to help our clients make smart decisions about their money in all areas of their financial lives.