terms & Conditions
Terms of Use
Please carefully read these Terms of Use. By accessing this Site and any pages hereof, you are indicating that you have read, acknowledge, and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this website. Reed Financial Services, Inc. reserves the right to change these Terms of Use which you are responsible for regularly reviewing and your continued use of this website constitutes your agreement to all such changes.
General Information
Unauthorized use of Reed Financial Services, Inc.’s website and systems, including, but not limited to, unauthorized entry into Reed Financial Services, Inc.’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any Reed Financial Services, Inc. site or service or interfere with any other party’s use and enjoyment of any Reed Financial Services, Inc. site or service. You may not attempt to gain unauthorized access to any Reed Financial Services, Inc. site or service, computer systems or networks connected to any Reed Financial Services, Inc. site or service. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.
Reed Financial Services, Inc. reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this website may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and Reed Financial Services, Inc. does not undertake any obligation or responsibility to update or amend any such information. Reed Financial Services, Inc. may discontinue or change any product or service described in or offered on this website at any time.
Disclaimer of Warranty and Limitation of Liability
The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. Reed Financial Services, Inc. does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Reed Financial Services, Inc. will not be responsible for any loss or damage that could result from interception by third-parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, Reed Financial Services, Inc. cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither Reed Financial Services, Inc., nor any of its affiliates, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Reed Financial Services, Inc. or of any vendor providing software or services. In no event will Reed Financial Services, Inc. or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential, or incidental damages or any other damages of any kind even if Reed Financial Services, Inc. or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone, or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. Reed Financial Services, Inc. cannot and does not guarantee continuous, uninterrupted, or secure access to the website.
Authorized Use: Copyrights and Trademarks
This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned by us or our content providers. You may use the information available from this Site for informational purposes only. You may print copies of pages from this Site for your personal purposes, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The availability of third-party data from or through this Site is not to be used as a substitute for a license or services agreement directly with the relevant content provider. Except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without our express written permission or that of our content providers, as applicable (“Permission”). You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without Permission. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof without Permission. You may not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation or other license provision in material or images on or from this Site. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to our trademarks or copyrighted material. The information contained in this Site is subject to change without notice.
We reserve the right to prohibit access to anyone whom we determine are violating these Terms of Use, restricting, or inhibiting any other user from using or enjoying the Site, or whose conduct we reasonably determine may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.
Use of Links
This website contains links to third-party websites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Reed Financial Services, Inc. of any information contained in any third-party website. In no event shall Reed Financial Services, Inc. be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this website.
No Investment Advice or Offers
None of the information contained in this website constitutes a recommendation, solicitation or offer by Reed Financial Services, Inc. or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service. The information contained in this website has been prepared without reference to any particular user’s investment requirements or financial situation. Certain transactions give rise to substantial risk and are not suitable for all investors. Prior to the execution of any transaction by you involving information you received from this website, you should consult your financial advisor, attorney and tax and accounting advisors with respect to the price, suitability, value, risk or other aspects of any stock, mutual fund, security, or other investment. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values that would be available in the market at the time provided or at the time that the user may want to purchase or sell a particular security or other instrument. The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where Reed Financial Services, Inc. is not authorized to provide such information or services.
Privacy and Cookies
Reed Financial Services, Inc. may process personal data as part of and/or in connection with your access and/or use of this website. This includes using cookies and similar technology to collect information about your use of our website and your preferences.
By accessing or using this website or any information and materials you consent to Reed Financial Services, Inc. processing personal data and using cookies as further detailed in Privacy Policy – Reed Financial Services (reed-financial.com). You acknowledge and agree that if you elect to reject any cookies on this website, some or all parts of the website may not function properly or may not be accessible.
Governing Law and Venue
These terms of use are governed by the laws of the State of Ohio without regard to any conflict of laws provisions. Any dispute arising from or relating to this website, any information and materials, or these Terms of Use shall be resolved exclusively in the federal and state courts in Cuyahoga County, Ohio. If any provision of these Terms of Use is deemed unenforceable or invalid by a court, then the court shall modify such provision to the minimum extent necessary to make such provision enforceable and valid. Should such modification prove impossible or impracticable, then the provision shall be severed and the remaining terms of these Terms of Use shall be interpreted and read to give them maximum enforceability.
Miscellaneous
The information and materials provided on this website are provided by Reed Financial Services, Inc. and may not be used by any party in any jurisdiction where such provision or use violates applicable law, rule or regulation. Provision of access to this website or any information and materials to anyone in a foreign jurisdiction shall not constitute an offer by Reed Financial Services, Inc. to provide investment advisory, brokerage or other services in a jurisdiction where Reed Financial Services, Inc. is not licensed to conduct such activities.
If you have any questions about these Terms of Use, please contact us at the information below:
Reed Financial Services, Inc.
5885 Landerbrook Dr., Suite 110
Cleveland, Ohio 44124 U.S.A.
(216) 464-2090
Reed Financial Services, Inc. (RFS) is a SEC Registered Investment Advisor.
Certain representatives of Reed Financial Services are also Registered Representatives offering securities through APW Capital, Inc., Member FINRA/SIPC, 100 Enterprise Drive, Suite 504, Rockaway, NJ 07866 (800) 637-3211. Check the background of this firm on FINRA’s BrokerCheck. An advisor in this capacity may receive commissions in connection with the purchase or sale of securities which are separate from advisory fees through RFS. Information about RFS and how we do business can be obtained by asking RFS for a copy of form ADV Part II.
Securities offered through APW Capital, Inc., 100 Enterprise Drive, Suite 504, Rockaway, NJ 07866 (800) 637-3211 Member FINRA/SIPC
Jim Reed, CFP, CPA-Inactive, founded Reed Financial Services in 1984 and is currently its President. His vast knowledge of both financial planning and investment management, coupled with his mission of “helping others achieve their goals and dreams,” is exhibited throughout the culture at Reed Financial Services. He has worked for over 30 years to create a firm culture that helps investors seeking to accumulate assets with a focus on both good returns, capital preservation, and high-quality service. Reed Financial Services has grown to be one of the larger firms in the Cleveland, Ohio area.
Janet Edwards, Certified Wealth Strategist® is our multi-talented Director of Client Relations who’s passionate about taking on new challenges, building relationships with clients and supporting them in all areas of their needs. She applies professional insight and attention-to-detail to implement our clients’ financial plans. This often involves researching and acting as liaison with outside providers in working with topics such as education planning, charitable endeavors, retirement, cash flow, and insurance. It is her goal for all clients to know that a knowledgeable, friendly contact is only a phone call away.
Liam joined Reed Financial Services as an intern in September of 2017. While interning, he completed his Bachelor of Business Administration in Finance from the University of Akron. Shortly after graduating, he joined the team full-time as a financial analyst.
Evan Watson is an investment analyst and trader for Reed Financial Services. Evan began working in the financial services field in 2014 and joined Reed Financial Services in April of 2017. Prior to being with Reed Financial Services, Evan worked in the industry as an intern, which then turned into a full-time position. In that position, he gained experience in all aspects of the business, from working with clients to investment research.
Amanda Lisachenko, CFP, is the Chief Operating Officer of Reed Financial Services. She has spent her professional career working with Reed Financial Services since starting in 1998. Amanda works with a broad range of individuals, including pre-retirees, those living in retirement, professionals, doctors, multi-generational families, and business owners, providing financial planning, estate planning, retirement planning, investment management, business succession planning, and charitable planning.
Kristen Ibanez joined the Reed Financial Services team in December 2021 as our Client Relations Specialist. Kristen has fifteen years of client service experience, with nearly ten years focused within the financial services and banking industries.
Troy Hammer is the Operations Manager at Reed Financial Services. He joined Reed Financial Services in 2018. Troy’s area of focus is accounting and finance-related problem-solving. He has excelled in his position and benefits RFS and its clients by bringing his experience in other business projects and industries into the financial services industry.
Mark Lisachenko is the IT and Risk Management lead at Reed Financial Services. Mark has been with RFS since the summer of 2012, bringing 16 years of prior information technology and management experience. He supports the internal operations and systems of the company, from portfolio accounting to information technology.
Most advisors focus primarily on getting documents prepared and sometimes asset and beneficiary designations adjusted on various assets. We find, however, clients frequently have many questions and want someone to talk through the issues affecting their wealth transfer plan before they are ready to have documents drafted. The Executor and Trustee decisions you make will have far-reaching impact for years to come. So we talk with you to consider how best to determine guardianship for your children, allocation of your estate, and who best should carry out your wishes after death. Designing a plan to deal with unique family situations is a common discussion for us, along with various contingencies for managing a trust, as if the grantors were still alive. Providing creditor or divorce protection for you, your heirs and grandchildren are also key provisions to consider.
We review life, disability, long-term care needs, and existing coverage. In the event clients must deal with lawsuits or divorce, we provide suggestions to protect you and your heirs during these difficult times. We have expertise in identity theft and can provide guidance to help review credit reports looking for errors or advise you when to freeze them, if necessary. Navigating Medicare/Medicaid insurance planning and Social Security decisions is also part of our normal planning.
Nikki Huffman is Executive Assistant at Reed Financial Services. Nikki has the ability to make people feel welcome and comfortable at Reed which helps build the strong relationships that exist between Reed and its clients.
We view retirement as just part of life’s journey, not an end point. You will want to establish targets and strategies to accumulate sufficient monies to allow you to maintain your desired lifestyle throughout retirement. Pre-retirement planning for Medicare coverage, timing to take Social Security benefits, and various tax planning ideas to make retirement most tax-efficient are common discussions. Our goal is for you to have a carefree retirement and not worry about money, while also encouraging you to spend and enjoy.
Our philosophy is to invest to achieve good returns with reasonable risk. Typically, clients want us to grow their assets but be defensive when necessary to preserve assets. Our goal in retirement is to invest in a manner that allows continuous distribution to maintain your lifestyle, but also to never worry about your retirement income.
Once we understand what’s important to you and learn about what you’ve done to date, we will create a customized plan that specifically addresses your unique questions and concerns. Our planning utilizes software to help us evaluate and make recommendations regarding investments, insurance, estate, retirement, education, and tax.
Effectively managing wealth requires a thorough understanding of how taxes can impact a portfolio. Tax efficiency involves a detailed and focused plan. We will work closely with your accountant to help manage your tax liability and increase the tax efficiency of your overall financial plan. We routinely review areas such as which account (taxable versus non-taxable) should we take money from first, the amount of withholding for taxes, whether a ROTH IRA makes sense, when is the best time to exercise employee stock options, and the best ways to make tax-efficient withdrawals of required minimum distributions from retirement accounts and tax loss selling, when appropriate.
Charitable giving helps you support issues that matter to you. Philanthropy is its own reward, but there are tax incentives for your generosity as well. Our team can help you determine the most effective strategies for donating assets to charities that have a place in your heart, or even help research organizations that you may want to know more about. We strive to understand your giving goals and implement a giving plan that benefits you and the recipients of your goodwill.
Every business is different, and we’re here to help you maximize the value of what you’ve worked so hard to create. Since several of our clients own closely-held businesses, we are keenly aware of how difficult it is to distinguish one’s business finances from one’s personal finances. We are here to help business owners look at the big picture, to review what options are available to structure their financial situation to suit their future endeavors. We provide perspective and advice to business owners in areas such as passing your business along to the next generation or other exit strategies, addressing employee benefits, incentivizing key employees, or minimizing taxes. We generally work closely with your other advisors in this process.
Cathleen Pegg joined the Reed Financial Services team in April 2018 as our client relations paraplanner, and brings 14 years of industry experience. Cathleen has always valued building strong client relationships and is dedicated to being on a team that is committed to going the extra mile for the clients.
Michelle Hohlbaugh has been the Senior Executive Assistant at Reed Financial Services since 1999. She is a very self-motivated individual who enjoys the variety and challenges of projects that come from working in a company that puts its client’s needs and desires first.