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https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1522952507373-4VHIJF7GB36QKKY7UINA/Tuning+Out+The+Noise+video.png Current Events - Apr. 5 - Tuning Out The Noise https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1513892258475-OVAAEGO8TBTZRLI2AMRA/ezgif.com-webp-to-jpg.jpg Current Events - Dec. 12 - Tax Reform https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1505505099978-DF6NVHA19IVRFDXN0KI9/Current+Events+09-12-17.jpg Current Events - Sept. 12 - Identity Theft & Fraud https://www.investrya.com/diversifying-investments daily 0.75 2017-08-17 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1503062215739-4W7CJ5UHC59CIBLD3P39/andrew-branch-126761_cropped.jpg Diversifying Investments https://www.investrya.com/tools daily 0.75 2024-03-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502916146850-VY2COPPF5WM59NIM5BUE/dakota-roos-1196_cropped.jpg Financial Tools https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502304698952-6MCH5L1DKTEG5ADYKGW4/Budgeting+Tool.png Financial Tools - Budget Planner It can be hard to get a budget going for your household, so we created a nifty tool to help get that habit started! https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502304904165-NAAQ5AAG0GL90DIDKBX5/Financial+Account+Inventory.png Financial Tools - Financial Account Inventory While we hope you won't need this anytime soon, it's crucial to have a record of all of your accounts so that your loved ones can gain access to them when you are gone. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1520440755220-9PQRE3661364803RY3Z3/IRS+Logo+2.png Financial Tools - Withholding Calculator Want to double check that your work is withholding the right amount from your paycheck? The IRS has a tool to help you figure that all out. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502311631561-4HDJUT8CKYVV3ED26P9A/image-asset.jpeg Financial Tools https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502311754498-8PU400M69J5D3AXAZKSY/image-asset.jpeg Financial Tools Is It Really That Important to Invest? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1526996519913-2CDQ0PI2NHPJVZHLJ8UQ/Saving+for+college+2.jpg Financial Tools https://www.investrya.com/about-rya daily 0.75 2017-06-30 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502917585723-K7Y4RPGFIZEJTVY2N192/alisa-anton-230504_cropped.jpg About RYA https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833969953-0FIPC39J421AW46LRQSV/Important+to+invest.PNG About RYA - Planning Makes A Difference https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498834008884-PO6DLLVBP4ZGGB79FPUL/Market+is+tanking.PNG About RYA - Our Story https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498834030060-3CEHIGH9FEF3GP7MSL28/image-asset.jpeg About RYA - Fee-Based Money Management https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498834019611-M02I4XXX4HYOS5BTSEXY/image-asset.jpeg About RYA - Investment Management https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833990697-W4KUIKT43S98BZBXXXKV/Mutual+funds.PNG About RYA - The RYA Family   https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833979454-AHBOSUVL2VSF4Z8XW2HC/Diversify+investments.PNG About RYA - Financial Planning https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833999761-ZMXASYLV3QQHPBBZQEIG/Investments+taxed.PNG About RYA - Retirement Planning https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498834039325-XC7IIV7IYNPF6BFLJNXS/image-asset.jpeg About RYA - Planning Through Hardships https://www.investrya.com/falling-markets daily 0.75 2017-08-17 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1503062287280-6TPN2CGQ1O8NQY93YSOE/andrew-branch-126761_cropped.jpg Falling Markets https://www.investrya.com/retirement daily 0.75 2017-08-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1503061560555-ZUQD5MQ2XEOT8DNQUFZK/juniperphoton-158915_cropped.jpg Retirement https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833669102-4VI6OZQB48PNKC0GF70P/Investments+taxed.PNG Retirement - How do I know when I can retire? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833678397-6MKGPUNI4VVD64HC1FI4/How+much+to+save.PNG Retirement - How much should I save to retire? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833692376-P7OSBSUDBVIS9GUWWWT7/Important+to+invest.PNG Retirement - What is an IRA? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1498833701920-FJFWBN7SXK52J5SXSP3S/Mutual+funds.PNG Retirement - Do I need long term care insurance?   https://www.investrya.com/our-story daily 0.75 2017-08-09 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1503062496070-S7WS9AW3XQFBHGGLHYJO/alisa-anton-230504_cropped.jpg Our Story https://www.investrya.com/id-theft-and-fraud daily 0.75 2020-08-21 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502996679471-6YDYQMWZVAEZE2LFN8SX/loren-gu-146826_cropped.jpg ID Theft & Fraud https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1506692518968-XNPQ1IFZSATAN4HYTVG1/Meet+Our+Advisors+%28videos%29+2.png ID Theft & Fraud https://www.investrya.com/financial-account-inventory daily 0.75 2018-07-16 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502916309853-IWVNS8CTOW5WPFDI0MDT/dakota-roos-1196_cropped.jpg Financial Account Inventory https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502369084256-KVD4H9WBXT24MSJRN8AD/image-asset.png Financial Account Inventory https://www.investrya.com/tax-reform daily 0.75 2017-12-24 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502996679471-6YDYQMWZVAEZE2LFN8SX/loren-gu-146826_cropped.jpg Tax Reform https://www.investrya.com/careers daily 0.75 2025-05-13 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1718201646967-HG0HT6C6I4F3IELHO6OF/Office+photo+for+website+-+Josh+v2+cropped+16x9+v2.jpg Careers https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1612386136986-QPE9SWOWM4278A0OULCA/_RichardYoungAssociates_Headshots-7106-HDR.jpg Careers https://www.investrya.com/disclosures daily 0.75 2026-02-12 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1523034941705-D5L6D2MMFYAZFOUO5YIY/elaine-casap-86010_cropped.jpg Disclosure Packet https://www.investrya.com/your-first-meeting daily 0.75 2026-02-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1522074313853-2GGYN8O1D2UJ28QHTOPC/jenna-beekhuis-32522_cropped.jpg Your First Meeting https://www.investrya.com/recent-volatility daily 0.75 2020-08-21 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502996679471-6YDYQMWZVAEZE2LFN8SX/loren-gu-146826_cropped.jpg Recent Market Volatility https://www.investrya.com/tuning-out-the-noise daily 0.75 2020-08-21 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502996679471-6YDYQMWZVAEZE2LFN8SX/loren-gu-146826_cropped.jpg Tuning Out The Noise https://www.investrya.com/contact-us daily 0.75 2026-02-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502915059281-PFFB444Y6W08VXLFPEWX/simon-rae-221560_cropped.jpg Contact Us https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/0d00923d-0c9f-4d49-8480-467b72eb3275/SmartVestor-Logo-Ramsey-Color-5-21.png Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.investrya.com/home daily 1.0 2026-02-26 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1718201524242-AWLV5AAY1JYB14YZXX8W/Office+photo+for+website+-+Josh+v2+cropped+16x9+v2.jpg Home https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/3b09939e-92ed-4c2d-aeaf-a848893a17cd/RYA_Horizontal_Dk-Color.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/8ef3eed8-690b-4566-94c6-1fc157740336/RYA_Stack_Dk-Color.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1508528049954-60HVQAC0IG240S2HMWK2/james-garcia-88107.jpg Home - Local Experts We're a local firm through and through, but we've been around the block. In fact, we manage over $900 million for clients all across the nation. Your family gets the warmth and attention you expect from a local firm with the experience of a larger one. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1508529110080-VMCEOC3XVSOFSMAL5XZN/roman-kraft-136249.jpg Home - Rooted in Research Many advisors try to game the market and predict the winners, but we've seen the results. Instead, we structure our investing after Nobel Prize-winning research, letting the data guide our methodology and planning for long-term success. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/d2c11a66-d120-4bed-a0c9-120beae8e23d/laptops+table+edited.jpg Home - Collective Wisdom Behind your advisor is the strength of our entire advisor team. We work together every day, sharing ideas so your plan is always moving forward. When your situation calls for it, we’ll coordinate with your other professionals, too. Your plan is guided by many perspectives, not just one. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1508523701335-3OYHZXXFLB59RWOBXCCB/image-asset.jpeg Home - Teachers at Heart We don't want to simply be an advice dispenser. Instead, we try to help our clients truly understand the reasons for the advice we're giving and then empower them to make the best decisions going forward. We don't tell, we teach. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1508523611776-MGWKNCNHUXQ3MJQCX92H/annie-spratt-330560.jpg Home - Simple Fees We are a fee-only firm – we get no commissions from the investments of our clients – meaning our interests are aligned with yours. We’re fiduciaries and have every reason to help you make the best decisions possible for you, because when you do better, we do better. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/ad9b9828-43d2-41ae-9368-71294401f806/MoneyMD+Listen+Weekly+Logo+x2.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1508532794344-KVPEN3CJ8EONUM0LMWKB/image-asset.png Home https://www.investrya.com/404-error daily 0.75 2018-10-17 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532020298610-18FXEC4NUGTE41QGDFET/david-marcu-114194_cropped.jpg 404 Error https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532102240107-45F581108BDZA8GAQB47/Sideways+cropped+for+404+page.png 404 Error https://www.investrya.com/market-update-travis daily 0.75 2024-07-29 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532020298610-18FXEC4NUGTE41QGDFET/david-marcu-114194_cropped.jpg Market Update - John, Matthew & Justin https://www.investrya.com/market-update-steve daily 0.75 2024-07-26 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532020451539-30PH91Z16Z1JQ6JDKKTR/david-marcu-114194_cropped.jpg Market Update - Steve, Zach & Abbie https://www.investrya.com/secure-file-upload daily 0.75 2025-05-22 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1522078575543-CJ4C4H42PEL1S7B6M3H4/tim-swaan-45717_cropped.jpg Secure File Upload https://www.investrya.com/are-you-on-track daily 0.75 2026-02-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502915059281-PFFB444Y6W08VXLFPEWX/simon-rae-221560_cropped.jpg Are You On Track? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1545158076213-00WGGGIJW665HHJOU5PR/John+headshot.jpg Are You On Track? https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1545315060532-C3I2X04T648FA08Q4EFI/Dave+Ramsey+Logo+4.png Are You On Track? https://www.investrya.com/john-travis daily 0.75 2026-02-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502916558123-BMU7XP143FCWXB2V3T8O/kai-oberhauser-56033_cropped.jpg John Travis https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1470100238029-D5P3PORAHA0UBOOGD939/image-asset.jpeg John Travis John Travis, MBA https://www.investrya.com/ryan daily 0.75 2026-02-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502916558123-BMU7XP143FCWXB2V3T8O/kai-oberhauser-56033_cropped.jpg Ryan Borders, CFP® https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/b06acd9b-682c-425d-87f4-cd64491cd6aa/Borders-9.jpg Ryan Borders, CFP® Ryan Borders https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/c5d9ae69-98d0-4c85-8801-1ec15ac063db/CFP_logo+V_cropped.png Ryan Borders, CFP® - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/b239dbe7-7f37-4836-bd41-797ce70ad0c2/SmartVestor-Logo-Ramsey-Color-5-21.png Ryan Borders, CFP® - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/25d193a4-27eb-4a1e-9313-1907d207bccd/MoneyMD+Weekly+Podcast+644x170.png Ryan Borders, CFP® - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.investrya.com/podcast-help daily 0.75 2023-01-27 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1502915725389-4KAXUKVN7FM8UUU4SIKS/kai-oberhauser-56033_cropped.jpg How To Use Podcasts https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1553191032764-F5MZJDAOB1WNKD108LCW/Podcasts+icon.png How To Use Podcasts You can find MoneyMD in the purple Podcasts app! https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1553201971917-815RAJOKGGUQ95K92LES/android+moneymd.jpg How To Use Podcasts Once installed, you’ll just click the MoneyMD icon on your home screen! https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1553203468216-OT3KR5E5RWRMNVXHZXWR/Listen+Online+snip.JPG How To Use Podcasts On MoneyMD.net, click the Listen Online to listen to the show! https://www.investrya.com/moneymd daily 0.75 2026-04-02 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/2cfe1967-cde9-40fa-90ac-e8fab771971b/MoneyMD.net+Cover+Photo.jpg MoneyMD Podcast https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/16583400-6e59-4464-b725-dffa020fec1a/MoneyMD+Logo+x3.png MoneyMD Podcast - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/8ef3eed8-690b-4566-94c6-1fc157740336/RYA_Stack_Dk-Color.png MoneyMD Podcast - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.investrya.com/market-update-ryan daily 0.75 2024-07-30 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532020451539-30PH91Z16Z1JQ6JDKKTR/david-marcu-114194_cropped.jpg Market Update - Ryan https://www.investrya.com/coronavirus daily 0.75 2024-06-12 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg COVID-19 Market Update https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg COVID-19 Market Update https://www.investrya.com/covid-19-temporary daily 0.75 2024-06-12 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1584466287537-W10H1I2IPT7P4LI4EXUC/Eye-scenery-HD-Picture+free+cropped.jpg COVID-19 (Copy) https://www.investrya.com/timing-the-market daily 0.75 2020-08-21 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg Timing the Market https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg Timing the Market https://www.investrya.com/2022-01-09-webinar daily 0.75 2026-02-10 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg Webinar - RYA & DFA https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg Webinar - RYA & DFA https://www.investrya.com/tax-documents daily 0.75 2024-01-24 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg Tax Documents https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/8b3c537f-622b-41a9-89cf-367193343916/Screenshot+2024-01-24+at+11.39.18%E2%80%AFAM.png Tax Documents - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/c8fd975a-9098-474f-83a6-521bf26e22d5/Screenshot+2024-01-24+at+11.49.49%E2%80%AFAM.png Tax Documents - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg Tax Documents https://www.investrya.com/market-update-zach daily 0.75 2024-07-26 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1532020451539-30PH91Z16Z1JQ6JDKKTR/david-marcu-114194_cropped.jpg Market Update - Zach https://www.investrya.com/elections-webinar-2024 daily 0.75 2024-01-11 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg RYA - Elections Webinar https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg RYA - Elections Webinar https://www.investrya.com/dfa-webinar-2025 daily 0.75 2026-02-10 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg Webinar - RYA & DFA https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358063414-VI2FP3O6EXMIAP47D06S/Logo_MoneyMD+with+no+RYA.jpg Webinar - RYA & DFA https://www.investrya.com/dfa-webinar-2026 daily 0.75 2026-02-23 https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/1595358007735-75HSI7611Q9G1USDYD0U/david-marcu-114194_cropped.jpg Webinar - RYA & DFA https://images.squarespace-cdn.com/content/v1/53690c97e4b0517c1d886925/2cad5dbe-166b-4916-8762-cfcc779a6109/MoneyMD+Cover+Art+2000x2000.jpg Webinar - RYA & DFA