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Information

Other Names: Ryan Andrew Fox, Ryan Fox
Firm:
Type: RIA
Description

Ryan Fox is an independent, fee only advisor with the Financial Consulate in Gettysburg, PA. Financial Consulate primarily manages accounts for individuals, high net worth individuals, and corporations or other businesses and has more than $253M in assets under management. This advisor is registered with the SEC. This advisor's ...(see more)

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Answers and Guides

Level 19 Level 19 Contributor 41 Answers and 13 Financial Guides

Top Answers

Answered Apr 24, 2012 near Gettysburg, PA
16 votes
Sustainable investing has become a much bigger realm over the last ten years or so. Many companies that once largely ignored this realm now embrace the practice as part of their ongoing culture within the business community. What Scott has posted is ...(more)
Answered Apr 24, 2012 near Gettysburg, PA
12 votes
A large lump sum with a 16 month time horizon for a wedding/honeymoon? Congratulations in advance. If this is a very large sum, be careful not to exceed FDIC limits if you go with a savings account. There is a different between a money market mutual ...(more)
Answered Aug 17, 2012 near Gettysburg, PA
10 votes
Hi Hugh, Congrats on investigating some ideas through a portal like Brightscope. You will get a number of thoughts and opinions and I am pleased to share mine. An equity linked CD is a rather complex product sold by brokerage firms. My first question ...(more)
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Top Guides

Generational Retirement Planning

Published Sep 13, 2012
3 votes
What are some suggestions at various stages of life? 20-30s: Enroll in your company's retirement plan and start small but add funds consistently. Look to start a separate Roth IRA with funds. Pay off student ...(more)

Olympics of Retirement Planning

Published Sep 13, 2012
1 vote
1. Plan: Retirement is a wonderful experience but nerve wracking. You cannot just turn off the work switch after a 40 or 50 year work history - it doesn't work financially or psychologically. You must ...(more)

Interviewing a Potential Financial Advisory Firm: What to Ask

Published Jul 09, 2012
4 votes
1. Compensation: commission or fee based means they might sell you products that only meet suitability (ie: in the ballpark) requirements. Fee only means not just in the ballpark but the best seat for your ...(more)
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*Answers and guides are provided without compensation.

Advisor Information

Articles/Publications

Is Your 401k Ripping You off?

This is a great summary article on understanding the basics of a 401k plan in terms of costs. There are specific examples of these costs and also ways to help improve a company's 401k.

Olympic Riches...

Some Olympic athletes are set up to do more than just wear their gold - they are going to strike gold in terms of endorsements.

When You Retire Really Matters

This is an outstanding, quick guide to some key decisions that must factor into the overall retirement planning process.

Common Investment Issues within the Traditional 401k Model

Costs can vary widely within a corporate 401k plan for investors and in many cases these cost differences can have a dramatic impact on future balances.

The 401k Predicament: Know your Fees or find a fee only firm to manage the account

We are entering a new era of disclosure in the 401k marketplace. It should lead to clarity for investors but plan sponsors need to be accutely aware that they should be shopping for better services at lower costs.

Delaying Retirement: 68 is the new 65...

Working longer is often a key to make sure enough funds are in place for retirement.

Considerations to Make BEFORE rolling over your 401k

There are a number of items to address before you make the decision to rollover your 401k. Be sure to address each of these issues prior to making any decision.

Avoid Costly Retirement Mistakes

What are the common steps that should be completed to ensure a complete understanding of your retirement plan picture? This article provides strong insight.

Is your company 401k plan in line with the current regulation?

The DOL is adding to their regulatory staff in an effort to uncover issues with company sponsored retirement plans. It is imperative that every plan be reviewed for the current and future standards to avoid penalties.

Gettysburg Office Launch

Leading financial planning firm opens Gettysburg PA office with local employee Ryan Fox.

Can you take funds from your 401k early?

To take money from your 401k early is a critical decision facing retirees. This article provides an excellent overview of key issues.

Considerations for Your 401(k) if You Lose Your Job

This is an excellent article that provides a step by step approach for those who have to make a 401k decision because of job loss. The authoer provides clear, concise, real advice.

Key Questions to Ask an Advisor Before you Hire Them

Asking the right questions is vital before starting a new relationship with a financial advisory firm. You need at least these questions and many more so that you are making a correct, crucial decision.

Where is your old 401k located?

Many retirees face a significant decision about what to do with their 401k funds when they retire. Often a 401k should be rolled to an IRA but many times the thrill of retirement leads to a temporarily forgotten 401k. This article sheds light on some of the benefits of rolling the 401k to an IRA.

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Firm Client Types

Individuals
High Net Worth Individuals
Pension and Profit Sharing Plans
Charitable Organizations
Corporations or Other Businesses

*The Client Types data displayed is firm level data as reported on the SEC ADV filing.

Experience and Employment History

Employer Years Dates
Financial Consulate, Inc. 2 years, 11 months May 2011 - Present
Infinex Investments, Inc 2 years, 2 months Feb 2009 - May 2011
Adams County National Bank 3 years, 9 months Aug 2007 - May 2011
Fox Independent Investment Advisory 2 years, 7 months May 2005 - Dec 2007
South Western School District 3 years Aug 2004 - Aug 2007
Manheim Central School District 10 months Oct 2003 - Aug 2004
Elizabethtown College 11 years, 7 months Sep 2002 - Present
Eastern University 8 years, 7 months Sep 2002 - Apr 2011
*Experience and Employment History information reflects the past 10 years of employment as reported on the SEC ADV filing as of 11/15/2012, and is not a complete representation of the advisor's experience and employment history. Furthermore, the advisor is required to provide this information only while registered with an investment advisor firm and the information is not updated through Form U4 after the advisor ceases to be registered. Therefore, an employment date of "Present" may not reflect the advisor's current employment status.

Licenses and Conduct

Regulator
License Status
Registered
Not registered
Disclosures

No Disclosures Found

No Disclosures Found

As of Date
11/15/2012
01/09/2014
*This advisor may not be SEC registered. The SEC maintains the database for state registered advisors as well as SEC registered advisors.
*A single dispute is often reported by both the SEC and FINRA and therefore will be reported as both an SEC dispute and FINRA dispute in this section.
*BrightScope is not endorsed by or affiliated with FINRA.

Advisor Exams

Exam Series Passed Date
Uniform Investment Adviser Law Examination Series 65 10/30/2010
Futures Managed Funds Examination Series 31 09/16/1997
Uniform Securities Agent State Law Examination Series 63 09/03/1997
General Securities Representative Examination Series 7 08/22/1997

Advisor Compensation Arrangements

help text
Fee Only
Advisor

This advisor has certified that they are compensated solely by their clients, and do not accept commissions or compensation of any kind based on the products they recommend.


Types of Compensation Arrangements