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At RISE Investments, we help working professionals, business owners, and retirees navigate the complexities of financial and wealth management with clarity and confidence. Our experienced team of CFP® professional financial advisors offer comprehensive guidance and execution across all areas of wealth management, including investment management, financial planning, tax reduction strategies, and estate planning. As a fee-only fiduciary, we’re legally bound to putting your best interests first. RISE INVESTMENTS Fiduciary Financial Advisors Personalized financial planning and investment management designed to help you make confident decisions at every stage of your financial life. Start a conversation RISE Investments is a Chicago-based financial advisor that delivers tailored investment management and comprehensive financial planning services to our clients. Established in 2019, we are committed to offering highly personalized advice and solutions to help our clients achieve long-term financial security and growth. We are fee-only, meaning we do not sell products or accept commissions, transaction-based compensation, or revenue sharing agreements with third-parties. We have a fiduciary duty to our clients, which consist of working professionals, business owners, retirees, pre-retirees, and affluent families. We serve our clients by designing and executing on clear, actionable financial plans and investment strategies built around our clients goals, responsibilities, and legacy intent. Meet our advisors FEATURED IN Our Services Financial Planning Learn More Investment Management Learn More Tax and Estate Planning Learn More Why Choose RISE Investments We offer a unique value proposition within the wealth management industry. With over two decades of industry experience and a future runway measured in several decades, the independent advisory setting allows RISE Investments to grow alongside our clients and bridge the gap between our client's evolving multi-generational financial planning and investment needs and best-in-class solutions to meet those needs. Fiduciary As a fiduciary, we serve as partners to our clients, upholding the highest standard of care and acting solely in our clients' best interest every step of the way. Additionally, our independent structure allows us to select the best solutions for you, unburdened by product-sale incentives. CERTIFIED FINANCIAL PLANNER® Practitioners For 50 years, the CERTIFIED FINANCIAL PLANNER® certification has been the standard of excellence for financial planners. CFP® professionals must meet extensive training and experience requirements, and commit to CFP® Board's ethical standards that require putting clients' interests first. That's why partnering with a CFP® professional gives clients confidence today and a more secure tomorrow. Only 30% of U.S. financial advisors are CFP® practitioners. Chartered Financial Analyst® Charterholder A Chartered Financial Analyst (CFA®) is a professional who has demonstrated expertise in investment management, financial research, and portfolio management. The CFA® charter is a globally recognized credential that's considered the pinnacle of professional development in investment management. Independent Ownership RISE is 100% independent and employee owned. This independence enables us to maintain a client-first approach and provide the most comprehensive and cost-effective solutions for our clients. Discipline and Integrity With a focus on long-term capital appreciation and tax efficiency, we seek to maximize client outcomes while safeguarding assets, treating each client’s portfolio as a unique entity tailored to their specific financial goals. Frequently Asked Questions For convenience, we have developed a list of some of the most common questions our prospective clients ask. If you have a specific question, please contact us. We're happy to answer any questions you may have! How Do I Become a Client? You can become a client by contacting us or calling us today at 312-620-4492. When you contact us, we will answer any questions you have and discuss your goals, circumstances, and objectives to determine if we are a mutual fit for each other. If there is a fit, we will guide you through each step of becoming a new client. Respecting your time and minimizing administrative work is one of our highest priorities when onboarding new clients. What is RISE's Approach to Investing? As a fiduciary, we put your best interests and financial well-being at the forefront of our investment strategy. We provide customized and tailored investment solutions aligned with your specific goals and objectives, incorporating robust risk management techniques to safeguard your investments. With a disciplined approach and a focus on fundamentals-based investing, we identify opportunities that not only meet your objectives but also enhance your overall financial health. As market conditions or your needs change, we may adjust your asset allocation to keep your portfolio positioned to meet your long-term objectives. Our advisors are dedicated to making informed investment choices grounded in a few fundamental principles, providing a reliable path to financial success.Asset AllocationUnbiased ProcessLong-term PerspectiveTax and Cost EfficiencyIntelligent ImplementationOpportunistic Investing (as appropriate) What are RISE's Fees? We are "fee-only", meaning we do not earn commissions or any transactional-based compensation. Rather, we utilize a tiered fee structure that is based on the scope of services you desire and size of your investment portfolio. This aligns us with only your interests, not our own. The only way we do better is if you do better. We believe our tiered fee structure is highly competitive in the industry. The fees our clients pay are most often lower than fees charged for comparable service standards by other financial professionals. Click here to learn more about financial advisor fees. We do not have any hidden or layered fees, and we do not receive compensation from anyone aside from our clients. Is There a Minimum Investment Amount to Become a Client? No. Unlike most financial advisors, we do not require you to have a certain amount of assets to become a client. Rather, we accept new clients based on mutual fit, circumstances, and scope of services desired. What Types of Investments Does RISE Help Manage for Clients We primarily invest our client’s portfolios in listed common stocks, fixed income securities, and funds (such as stocks, bonds, real estate investment trusts, mutual funds, and exchange‐traded funds). As appropriate per client circumstances, needs, and suitability, we may also invest a portion of our client’s portfolios in privately placed funds and investments, such as private real estate, hedge funds, private equity, private credit, and other non-listed pooled investment vehicles. We tailor each of our client's investment portfolios for their specific goals and objectives, incorporating robust risk management techniques to safeguard their investments. How Does RISE Protect Client Assets Safeguarding client assets and maintaining privacy of confidential client information is at the forefront. We utilize Charles Schwab to custody our client's assets, helping to reduce potential conflicts of interest and promote transparency. Charles Schwab has been in business for over 50 years and is widely regarded as one of the most reputable and safest custodians in the industry, regulated by both the SEC and FINRA, ensuring adherence to stringent financial standards. Click here to learn about how Charles Schwab helps to protect client assets. We take the issue of cyber/data security seriously and have implemented the following framework to protect client data: "Clean desk" policies and procedures Employee specific login usernames and passwords on company computers Virus and malware protection Segregation of all client information and documentation on the company's secure network (Microsoft OneDrive), which requires additional password and security requirements to access. What is RISE's Financial Planning Process? It starts with building a relationship. The more complete our understanding of your life, goals, and objectives, the more comprehensive our solutions. Whether you have a clear vision for the future or need guidance to shape it, we play a privileged role in helping our clients discover, design, and bring their possibilities to life. Discovery: It starts with a conversation. During our first meeting, we aim to gain a comprehensive understanding of your financial goals, assets, liabilities, values, interests, time horizon, and risk tolerance. Construction of Your Plan: We'll leverage the information you provide to us to analyze your current course of action and potential alternative courses of action. Evaluation and Review: During our second meeting together, we'll present your plan, recommended course of action, and our analysis of your current investment portfolio. We'll walk through all key aspects of your plan, answering any questions you have. Finalization: Sometimes new information comes up during the Evaluation and Review stage. If any adjustments to your plan are needed, we'll make the adjustments and deliver a revised plan. Implementation: We'll work together to begin implementing your financial plan. Implementation includes our client onboarding process, beginning with account opening and consolidation, followed by a portfolio transition conversation, tax considerations, and any advanced planning priorities, if applicable. Monitoring and Re-Evaluation: As your goals, priorities, and circumstances change, so too does your plan. We'll continuously monitor and adapt your plan as appropriate to ensure it remains aligned with your aspirations and responsive to new opportunities and challenges you are presented with. What Should I Expect When Working with a Financial Advisor? As your wealth grows, so does the complexity of managing it well. Our financial advisors serve as a strategic partner for you, helping to coordinate each dimension of your financial life into one cohesive plan. We proactively support our clients in four key areas including: Comprehensive Financial Planning Investment Management Tax Optimization and Advanced Planning Legacy and Estate Planning Strategies You may already have a financial team in place, and you may even have a financial plan in place. However, even strong plans can be subject to costly blind spots. When your outside professionals and advisors, such as your estate attorney, CPA, or insurance experts, should be involved, we coordinate seamlessly with them to treat your portfolio as a unique entity rather than a model to be applied. About

RISE Investments is a Chicago-based fiduciary financial advisor. We provide our clients with tax-efficient portfolio management and asset allocation strategies customized to your unique goals to maximize your wealth and financial outcomes. We serve working professionals, retirees, and high-net-worth families. Investment Management Optimize Your Investment Portfolio With a disciplined approach and a focus on fundamentals-based investing, we design and manage personalized investment portfolios that not only meet your goals and objectives but also enhance your overall financial health. As a fiduciary, RISE Investments puts your best interests and financial well-being at the forefront, incorporating robust risk management techniques to safeguard your investments. Speak with an advisor Our Core Investment Philosophy Our advisors are dedicated to making informed investment choices grounded in a few fundamental principles, providing a reliable path to financial success. Fiduciary Pledge Asset Allocation Unbiased Process Long-Term Perspective Tax and Cost Efficency Opportunistic Investing Markets Evolve, and So Do We Fiduciary Pledge Our fee-only structure is simple and transparent. As a fiduciary investment advisor, our client's best interests and goals are always put ahead of our own. Unbiased Process Investment decisions should not be driven by emotion. We utilize an unbiased, emotion-free process to vet, due diligence, and select investments for our clients. We combine our team's CFA® charterholder acumen with our investment and financial markets expertise to deliver value and long-term results for our clients. Asset Allocation Asset allocation is the biggest determinant of your portfolio's returns. As a crucial element of investing, asset allocation results in balancing of risk and reward. A well-crafted allocation reduces the impact of volatility, enhances a portfolio's resilience, and allows you to navigate various market conditions with greater confidence and stability. Long-Term Perspective Our investment decisions are driven by a long-term, fundamentals-based outlook. We approach investing for our clients as if we are part owners of the businesses we invest in, not traders of companies' stocks. We strive to maximize investment returns based on the investment risk you can, or desire, to take. Generally, we view risk as permanent impairment of capital which is typically recognized as paying too high of a price for an investment versus the estimated intrinsic value. Tax and Cost Efficiency Investment fees, expenses and taxes are inevitable, yet they are a drag on investment performance. We seek to minimize all costs of investing but also believe there is incremental value in paying for the right active managers that add incremental value. We incorporate both active and passive strategies into our client portfolios. Opportunistic Investing Markets can be inefficient, especially at extremes when emotions prevail among market participants. Market inefficiencies can commonly create pricing dislocations and attractive entry points in financially strong businesses that possess long-term competitive advantages. We may seek to take advantage of inefficiencies when they present themselves. Markets Evolve, and So Do We The only constant is change, and we treat that as an advantage, not a threat. Access to deep research and timely insight allows us to stay clear-eyed and confident, adjusting as circumstances shift in our clients' lives and in the markets around them. Our Investment Process We first identify your investment goals, objectives, and risk tolerance. We follow a structured process to establish your target asset allocation and build you a goals-based investment portfolio tailored to your specific goals and objectives. 1) Identify Your Goals and Objections We start by working with you to identify and understand your time horizon, goals, objectives, liquidity needs, and attitude toward investing. This entails you completing a client profile questionnaire and one or more personal conversations with your advisor. 2) Develop an Asset Allocation Plan Based on your goals and objectives identified in step 1, we will craft you a personalized asset allocation to maximize your returns relative to your risk tolerance. Determining the most appropriate asset allocation policy is paramount to your investment strategy. 3) Tax-Smart Implementation We take a comprehensive and tax-smart approach that integrates your asset allocation across all your accounts instead of considering each account in a silo. If you have new cash to be invested, we will dollar-cost-average your cash into the allocation. If you have any existing concentrated stock positions, we utilize strategies to manage the associated tax implications. 4) Ongoing Management and Monitoring The work we do for you does not stop after your investment strategy is implemented. From there, we continuously monitor your portfolio, re-balancing and tax-loss harvesting when appropriate. Over time, your portfolio can drift away from the targeted allocation. We regularly monitor this and make adjustments as appropriate to ensure your investment strategy remains aligned with your goals and objectives. 1 Identify Your Goals and Objectives We start by working with you to identify and understand your time horizon, goals, objectives, liquidity needs, and attitude toward investing. This entails you completing a client profile questionnaire and one or more personal conversations with your advisor. 3 Tax-Smart Implementation We take a comprehensive and tax-smart approach that integrates your asset allocation across all your accounts instead of considering each account in a silo. If you have new cash to be invested, we will dollar-cost-average your cash into the allocation. If you have any existing concentrated stock positions , we utilize strategies to manage the associated tax implications. 2 Develop an Asset Allocation Plan Based on your goals and objectives identified in step 1, we will craft you a personalized asset allocation to maximize your returns relative to your risk tolerance. Determining the most appropriate asset allocation policy is paramount to your investment strategy. 4 Ongoing Management and Monitoring The work we do for you does not stop after your investment strategy is implemented. From there, we continuously monitor your portfolio, re-balancing and tax-loss harvesting when appropriate. Over time, your portfolio can drift away from the targeted allocation. We regularly monitor this and make adjustments as appropriate to ensure your investment strategy remains aligned with your goals and objectives. Frequently Asked Questions How do RISE's financial advisors build a portfolio? A well-constructed portfolio is built around the client's time horizon, risk tolerance, tax situation, and specific goals, using an asset allocation framework designed to balance expected return against volatility. What is asset allocation and why does it matter? Asset allocation is how a portfolio is divided among asset classes, such as equities, bonds and fixed income, cash, and alternatives. Asset allocation is the primary driver of a portfolio's long-term risk and return characteristics, generally mattering more than individual security selection. Getting this right for your specific timeline and goals is typically higher-impact than trying to pick winning stocks. At RISE, we take it a step further and incorporate underlying category allocations for each asset class. For example, instead of just bucketing all equities together, we structure a targeted allocation for each equity category: Large cap growthLarge cap blendLarge cap valueMid cap growthMid cap blendMid cap valueSmall cap growthSmall cap blendSmall cap valueInternational developedEmerging markets What is the difference between financial planning and investment management? At RISE, our investment management service is a subset of our comprehensive financial planning service. Our clients can choose to utilize our investment management service on a stand-alone basis, or as part of a comprehensive financial planning relationship. When you work with a RISE advisor for investment management as part of a comprehensive financial planning relationship, it ensures that your asset allocation and investment strategy remain integrated and aligned with the rest of your financial plan. How should I manage RSUs and stock options as part of my investment portfolio? We evaluate equity compensation alongside your total portfolio, since concentrated stock positions from RSUs or ISOs can create outsized company-specific risk. A common approach we may recommend is systematically diversifying vested shares while managing the tax impact of sales and vesting events. However, your unique goals and circumstances will dictate our recommendation specific to your situation. Should I diversify out of my company stock? While your unique goals and circumstances will dictate our recommendation specific to your situation, a general rule of thumb is to limit any single stock position to a small percentage of your total net worth. Relying on your employer as your main source of income plus having a concentrated stock position in the company can expose your financial life to outsized idiosyncratic risks tied to that one individual company. Our recommendation for your specific situation would depend on variables such as tax cost, blackout periods, conviction in the company, your timeline, risk tolerance, and goals. Does RISE consider alternative investments? Yes, we do in addition to traditional stocks and bonds. We have access to a full suite of best-in-class alternative investment fund managers and investment strategies, and we combine that with our team's extensive private markets expertise and experience to identify, fully vet, and recommend alternative investments for our clients.Certain alternative investments can provide diversification, tax, and risk management benefits over a full market cycle, yet they also come with unique risks and things to consider relative to traditional stocks and bonds. Alternative investments are typically accessible and most suitable for Accredited Investors and high-net-worth families with investment time horizons of 5-10 years or longer. What's the difference between a CFP® and a CFA®? A CFP® (Certified Financial Planner) credential focuses on comprehensive financial planning (retirement, tax, investment, estate, and cash flow strategy), while a CFA® (Chartered Financial Analyst) credential focuses on investment analysis and portfolio management. RISE's advisors hold both credentials, combining planning breadth with investment depth.For 50 years, the CERTIFIED FINANCIAL PLANNER® certification has been the standard of excellence for financial planners. CFP® professionals must meet extensive training and experience requirements, and commit to CFP® Board's ethical standards that require putting clients' interests first. That's why partnering with a CFP® professional gives clients confidence today and a more secure tomorrow. Only 30% of U.S. financial advisors are CFP® practitioners.A Chartered Financial Analyst (CFA®) is a professional who has demonstrated expertise in investment management, financial research, and portfolio management. The CFA® charter is a globally recognized credential that's considered the pinnacle of professional development in investment management. How do I get started? You can become a client by contacting us or calling us today at 312-620-4492. When you contact us, we will answer any questions you have and discuss your goals, circumstances, and objectives to determine if we are a mutual fit for each other. If there is a fit, we will guide you through each step of becoming a new client. Respecting your time and minimizing administrative work is one of our highest priorities when onboarding new clients. Tax and Estate Planning

RISE Investments is a Chicago-based fiduciary, fee-only financial planning firm helping professionals, business owners, retirees, and high-net-worth families with retirement, tax, investment, stock compesation, estate, and comprehensive wealth planning. Financial Planning Tax-Smart Financial Planning Built Around Your Life We work closely with you to build a comprehensive financial plan built around your life and goals, not financial products. The most effective financial plans serve a guide to help you make prudent decisions, track progress, handle both expected and unexpected events as you go through life, and determine if you’re on track along the way. Whether you are a high net worth individual, a high earner starting to build wealth, a mid-career professional, just sold a company, or are planning for retirement, our team of CERTIFIED FINANCIAL PLANNER® professional advisors are here to provide support where you need it most. Get Started Employee Benefit Optimization Employee Benefit Optimization For many professionals, employer benefits and equity compensation represent one of the largest and most complex pieces of their overall financial picture. We'll help you maximize the after-tax value of your benefits and create a strategy that coordinates each benefit into your broader tax, cash flow, and long-term wealth picture. Incentive stock option (ISOs) planning Non-qualified stock options (NSOs) Restricted stock units (RSUs) Employee stock purchase plans (ESPPs) Net Unrealized Appreciation 401(k), 403(b), and deferred compensation retirement plan elections Pension distribution elections 401(k) rollovers Employer-sponsored life insurance and disability coverage Risk Management & Insurance Risk Management & Insurance We take a comprehensive look at where your financial plan is exposed and help close those gaps thoughtfully without over-insuring or paying for coverage you don't need. This includes reviewing life insurance needs to ensure your loved ones can maintain their lifestyle if life takes an unexpected turn. As an independent, fee-only fiduciary, we have no incentive to sell insurance products. Our role is to give you an objective assessment of your needs and, where appropriate, coordinate with trusted insurance professionals to help you implement the right coverage. Education Planning Education Planning We'll help you prepare for the cost of college or other post-secondary education, whether for children, grandchildren, or yourself. Education planning involves selecting the optimal savings vehicles, determining an appropriate funding timeline, and coordinating contributions in a way that balances education goals with tax-efficiency and your other financial priorities. 529 Savings Plans Roth IRAs Coverdell ESAs Estate & Charitable Planning Estate & Charitable Planning We'll help you build an estate plan and giving strategy that reflects your values and protects your legacy. This includes reviewing and coordinating beneficiary designations across accounts, working alongside your attorney to ensure your estate documents align with your current wishes, and evaluating strategies like gifting appreciated stock directly to charity or using a Donor-Advised Fund to bunch multiple years of giving into a single tax year. We also help you navigate more complex planning opportunities, such as leveraging current estate and gift tax exemption levels before they change, and ensuring that both family and philanthropic goals are met as efficiently as possible. Retirement Planning Retirement Planning The process starts with establishing realistic retirement goals and understanding your investment time horizon. We'll project future income needs, coordinate income sources, and create a sustainable cash flow strategy to maximize the longevity of your nest egg and help you retire with confidence. Tax-efficient withdrawal strategies Social Security optimization Healthcare planning Pension and employer benefit analysis Retirement income planning Monte Carlo analysis to stress test withdrawal rates with sequence of returns risk Investment Planning Investment Planning A disciplined process of building and managing a customized portfolio designed to help you reach your specific financial goals. We start by gaining an understanding of your time horizon, risk tolerance, tax situation, and what the money is actually for. From there, we'll recommend a diversified asset allocation and adjust it over time if your goals or life circumstances evolve. The most prudent investment strategies are designed for the long-term and they do chase short-term performance. Rather, they help to assure you achieve sufficient returns to support your goals without taking excessive risk or causing needless anxiety. Asset allocation is the mix of stocks, bonds, and other securities in your portfolio. It helps balance risk and growth over time, and it is the biggest determinant of your portfolio's returns and risk profile. Tax Planning Strategies Tax Planning Strategies Taxes can quickly erode the returns of an otherwise strong financial plan. Tax planning involves proactive and ongoing coordination of income, deductions, and investment decisions to minimize current and future tax liabilities. Roth IRA conversion strategies Tax-advantaged saving strategies Tax-loss harvesting Inherited asset planning Strategic timing of disqualifying dispositions on ESPP shares Asset location and withdrawal strategies Cash Flow & Debt Management Cash Flow & Debt Management Cash flow planning is the process of understanding and coordinating your money coming in and going out. It involves closely tracking income and expenses, identifying spending patterns and trends over time, and using that insight to make informed, proactive financial decisions. This discipline helps to ensure you can comfortably cover ongoing expenses, work steadily toward your financial goals, and avoid the kind of cash shortfalls that force reactive, costly decisions down the road. Key Planning Expertise Our advisors understand your goals and concerns may go far beyond investment returns. Preserving what you have built, minimizing unnecessary tax erosion, and creating a lasting legacy are of equal importance. As key part of the planning process, our advisors develop personalized strategies tailored to the unique aspects of your life and wealth. We'll provide you with insights to understand the connections between your decisions and their impact on complex, interrelated questions. Retirement Planning The process starts with establishing realistic retirement goals and understanding your investment time horizon. We'll project future income needs, coordinate income sources, and create a sustainable cash flow strategy to maximize the longevity of your nest egg and help you retire with confidence.Tax-efficient withdrawal strategiesSocial Security optimizationHealthcare planningPension and employer benefit analysisRetirement income planningMonte Carlo analysis to stress test withdrawal rates with sequence of returns risk Investment Planning A disciplined process of building and managing a customized portfolio designed to help you reach your specific financial goals. We start by gaining an understanding of your time horizon, risk tolerance, tax situation, and what the money is actually for. From there, we'll recommend a diversified asset allocation and adjust it over time if your goals or life circumstances evolve. The most prudent investment strategies are designed for the long-term and they do chase short-term performance. Rather, they help to assure you achieve sufficient returns to support your goals without taking excessive risk or causing needless anxiety. Asset allocation is the mix of stocks, bonds, and other securities in your portfolio. It helps balance risk and growth over time, and it is the biggest determinant of your portfolio's returns and risk profile. Tax Planning Strategies Taxes can quickly erode the returns of an otherwise strong financial plan. Tax planning involves proactive and ongoing coordination of income, deductions, and investment decisions to minimize current and future tax liabilities.Roth IRA conversion strategiesTax-advantaged saving strategiesTax-loss harvestingInherited asset planningStrategic timing of disqualifying dispositions on ESPP shares Asset location and withdrawal strategies Cash Flow & Debt Management Cash flow planning is the process of understanding and coordinating your money coming in and going out. It involves closely tracking income and expenses, identifying spending patterns and trends over time, and using that insight to make informed, proactive financial decisions. This discipline helps to ensure you can comfortably cover ongoing expenses, work steadily toward your financial goals, and avoid the kind of cash shortfalls that force reactive, costly decisions down the road. Employee Benefits Optimization For many professionals, employer benefits and equity compensation represent one of the largest and most complex pieces of their overall financial picture. We'll help you maximize the after-tax value of your benefits and create a strategy that coordinates each benefit into your broader tax, cash flow, and long-term wealth picture. Incentive stock option (ISOs) planningNon-qualified stock options (NSOs)Restricted stock units (RSUs)Employee stock purchase plans (ESPPs)Net Unrealized Appreciation401(k), 403(b), and deferred compensation retirement plan electionsPension distribution elections401(k) rolloversEmployer-sponsored life insurance and disability coverage Risk Management & Insurance We take a comprehensive look at where your financial plan is exposed and help close those gaps thoughtfully without over-insuring or paying for coverage you don't need. This includes reviewing life insurance needs to ensure your loved ones can maintain their lifestyle if life takes an unexpected turn. As an independent, fee-only fiduciary, we have no incentive to sell insurance products. Our role is to give you an objective assessment of your needs and, where appropriate, coordinate with trusted insurance professionals to help you implement the right coverage. Education Planning We'll help you prepare for the cost of college or other post-secondary education, whether for children, grandchildren, or yourself. Education planning involves selecting the optimal savings vehicles, determining an appropriate funding timeline, and coordinating contributions in a way that balances education goals with tax-efficiency and your other financial priorities.529 Savings PlansRoth IRAsCoverdell ESAs Estate & Charitable Planning We'll help you build an estate plan and giving strategy that reflects your values and protects your legacy. This includes reviewing and coordinating beneficiary designations across accounts, working alongside your attorney to ensure your estate documents align with your current wishes, and evaluating strategies like gifting appreciated stock directly to charity or using a Donor-Advised Fund to bunch multiple years of giving into a single tax year. We also help you navigate more complex planning opportunities, such as leveraging current estate and gift tax exemption levels before they change, and ensuring that both family and philanthropic goals are met as efficiently as possible. How We Build Your Plan Our process starts with building a relationship. The more complete our understanding of your life, goals, and objectives, the more comprehensive your plan will be. Whether you have a clear vision for the future or need guidance to shape it, we play a privileged role in helping our clients discover, design, and bring their possibilities to life. Discovery It starts with a conversation. During our first meeting, we aim to gain a comprehensive understanding of your financial goals, assets, liabilities, values, interests, time horizon, and risk tolerance. We'll request key information from you to create your plan. 1 Construction of Your Plan We'll leverage the information you provide to us and our team's financial planning expertise as we construct your plan. No two financial plans are alike, although it typically takes our team one to two weeks after receiving your information to complete, examine, and rigorously stress-test your plan. 2 Evaluation and Review We'll present your plan, results, and our analysis of your current investment portfolio. We'll walk through all key aspects of your plan, answering any questions you have. Lastly, we'll provide our recommended investment portfolio, tax strategies, and all other key tailored recommendations that will help you achieve your goals. 3 Finalization Sometimes new information comes up during the Evaluation and Review stage. If any adjustments to your plan are needed, we'll make the adjustments and deliver a revised plan. Once all aspects of your plan have been agreed upon, we'll finalize your plan and proceed to implementation. 4 Implementation We'll work together to begin implementing your financial plan. Implementation includes our client onboarding process, beginning with account opening and consolidation, followed by a portfolio transition conversation, tax considerations, and any advanced planning priorities, if applicable. 5 Monitoring and Re-Evaluation Regular reviews and adjustments keep your plan responsive to new opportunities and challenges presented, allowing you to stay on track as you navigate your financial journey. As your goals, priorities, and circumstances change, so too does your plan. 6 Investment Management

As a fiduciary, we serve as partners to our clients and specialize in helping individuals based in Illinois and nationwide. We are experts in comprehensive financial planning, investment management, tax planning, and estate planning. Our advisors are CERTIFIED FINANCIAL PLANNER® professionals, which is a designation that is widely recognized for its rigorous education, examination, experience, and ethical requirements. Who We Are RISE Investments is a Chicago-based financial advisor that delivers tailored investment management, financial planning, tax planning, and estate planning services to our clients. We are committed to offering highly personalized advice and solutions to help our clients achieve long-term financial security and growth. As a fiduciary, we serve as partners to our clients, upholding the highest standard of care and acting solely in our clients' best interest every step of the way. Background Established in 2019, RISE was started to help our friends and family members stay on track to achieve their financial and life goals with peace of mind. After a successful initial five years of proving our concept, we began offering our services and solutions to clients beyond just close friends and family. We are committed to providing fiduciary-driven advice and an industry leading caliber of white-glove client service. At the core, we take pride in fostering long-lasting and prosperous relationships with our clients, which commonly go far beyond just managing money and helping our clients plan their financial futures. About Our Advisors With over 20 years of industry and financial markets experience, our team provides a unique blend of strategic wealth management insight, foresight, and practical expertise to help you achieve your financial and life goals. Vince DeCrow, CFP® Founder and Wealth Advisor vince@riseinvestmentsusa.com Tom Van Spankeren, CFA®, CFP® Chief Investment Officer and Wealth Advisor thomas@riseinvestmentsusa.com Who We Serve Financial planning, investment management, and estate planning that is entirely customized around you, your goals, and your life. We partner with working professionals, business owners, retirees, pre-retirees, and multi-generation families to design clear, actionable financial plans and investment strategies that reflect your goals, responsibilities and legacy intent. Schedule a Discovery Call Working Professionals Grow your wealth with structure and purpose You’re at a critical wealth-building stage: higher earnings, equity compensation and more financial complexity. We build a personalized plan that aligns your career trajectory, benefits, and savings strategy so you can pursue promotion, mobility or entrepreneurship without sacrificing long-term goals. Comprehensive financial planning and goal mapping Old 401(k) rollovers and IRA consolidation Executive compensation and RSU/stock option tax planning Tax-efficient growth strategies and retirement plan optimization Families Control your wealth with multi-generational continuity We work with affluent families and multi-generation households to create governance, tax-efficient estate structures, philanthropic planning and investment architectures that protect capital, educate heirs and steward values for the long term. Multi-generational planning, trusts and family governance Custom investment solutions and allocations Family education, philanthropy and succession coordination Estate tax minimization and planning Retirees and Pre-Retirees Design income, protect capital, preserve legacy Transitioning into retirement changes priorities: predictable income, tax-sensitive distributions and legacy planning become primary. We create retirement income strategies that consider longevity, healthcare costs and the lifestyle you want while safeguarding wealth for heirs or causes you care about. Retirement income and portfolio preservation strategies Social Security and pension optimization Estate coordination and legacy planning Business Owners Align your business and personal financial life Business ownership requires a dual strategy: operational decisions and personal financial stewardship. We bridge that gap — from succession and exit planning to diversification and wealth preservation — so you capture enterprise value without exposing your personal plan to undue risk. Cash-flow optimization and risk mitigation Personal diversification and post-liquidity planning 401(k) Plan Investment Advisory RISE Investments is a proud member of the Lincoln Park Chamber of Commerce and is committed to supporting local businesses, professionals, and families throughout Lincoln Park and other Chicago communities. Commonly Asked Qusetions What is RISE Investments? RISE Investments is a fee-only investment advisor registered with the Illinois Secretary of State Securities Department. We provide individuals and families located in any of the 50 states with comprehensive financial planning, tailored investment management, tax-optimization, and estate planning services. We specialize in working with mid-career professionals, high-net-worth individuals and families, retirees, pre-retirees, and small business owners. Established in 2019, we uphold a fiduciary duty to our clients, providing the industry's highest standard of care to help our clients achieve their long-term goals. What Makes RISE Different from Other Financial and Wealth Advisors? We offer a unique value proposition within the wealth management industry. With over two decades of industry experience and a future runway measured in several decades, the independent advisory setting allows RISE Investments to grow alongside our clients while providing best-in-class solutions for our client's evolving multi-generational financial planning and investment needs. Our team members consist of CERTIFIED FINANCIAL PLANNER® practitioners and a Chartered Financial Analyst (CFA®) charterholder, which are two of the highest regarded credentials in financial planning and investment management, respectively. Is RISE Investments a Fiduciary? Yes. We are legally obligated to put clients’ interests first at all times. It is important to be aware that not all financial advisors are fiduciaries held to the standards of care and loyalty that accompany that responsibility. What Services Does RISE Offer? We provide our clients with comprehensive financial planning, investment management, tax-optimization, estate planning, and charitable gifting services. While these services cover a wide variety of specific strategies and solutions, we commonly help our clients with:Liquidity EventsSaving and Investment Planning Retirement and Income PlanningMajor Life TransitionsStock Options and Restricted Stock UnitsCash Flow and Debt ManagementInsuranceFinancial GoalsTax-Smart Investment Solutions and Management401(k) and IRA Rollovers401(k) Plan Investment AdvisoryRebalancing and Tax-Loss HarvestingPrivate Funds and Alternative AssetsReal Estate InvestmentsEstate Planning StrategiesStrategies to Minimize Estate TaxesRisk Management and Insurance SolutionsPre-Liquidity Planning for Business OwnersTax-Efficient Wealth Transfer Will I Receive a Dedicated Financial Advisor? Each of our clients receives a dedicated CFP® professional financial advisor. Our financial advisors take the time to get to know you and your personal situation, unlike some larger financial institutions that often experience high turnover resulting in impersonal client service. We take pride in delivering superior, white-glove client service experiences. Is it worth switching advisors if I already have one I'm somewhat happy with? It's worth evaluating if you're unsure whether your current advisor is a fiduciary, unclear on exactly how they're compensated, or if your financial situation (equity compensation, a business sale, inheritance) has grown more complex than when the relationship started. A brief second-opinion conversation with RISE costs nothing and can confirm whether your current advisor still fits your needs and is still proactively putting your best interests first. Financial Planning

RISE's recent press releases and media appearences. RISE in the News RISE's recent press releases and media appearances. July 8, 2026 Do These Illinois Tax Mistakes Cost You Thousands? MEDIUM May 15, 2026 Helping an Aging Parent with Finances Can Put You ‘In Conflict,’ How to Approach It CNBC May 13, 2026 The Riskiest Places to Keep Your Retirement Money Right Now FINANCEBUZZ April 28, 2026 Your 50-Year-Old Client Has No Retirement Account. What's an Advisor to Do? THINKADVISOR November 24, 2025 Wealth managers compete for younger advisers ahead of $84T inheritance transfer CRAIN'S CHICAGO BUSINESS October 27, 2025 In ‘Blackstone Town,’ a Treasure Hunt for Private Equity Firms BLOOMBERG LAW September 11, 2025 Fed Interest Rate Cuts: Who it Would Impact and How to Prepare MARKETWATCH June 20, 2025 Think you know the basics of retirement planning? Think again. ‘There’s a lot of ignorance out there.’ MARKETWATCH May 25, 2025 Young Investors Have Time on Their Side as They Navigate a Tricky Economy BARRON'S April 21, 2025 Why Younger Financial Advisors Are Starting Their Own Firms BARRON'S April 18, 2025 An Alternative Way To Invest in the S&P 500 ADVISORPEDIA April 8, 2025 Americans are more invested in the stock market than ever — and that may be adding to the recent turmoil MARKETWATCH April 4, 2025 “Tarrifying”: How Retirees Can Navigate Tariffs, Inflation and Market Volatility THESTREET April 2, 2025 Three Proven Strategies To Maximize Your Tax Savings in 2025 ADVISORPEDIA April 2, 2025 7 Positive Signs for Your 401(k) in 2025 GOBANKINGRATES March 30, 2025 Why Investors May Get ‘Hot-Blooded’ for Foreign Investments THE DAILY UPSIDE* March 27, 2025 Should you ever use a 401(k) loan to pay off debt? Pros, cons and considerations AOL March 21, 2025 5 Best S&P 500 Index Funds to Buy Now U.S. NEWS & WORLD REPORT March 17, 2025 7 Ways to Invest With a Weakening U.S. Dollar U.S. NEWS & WORLD REPORT March 17, 2025 Navigate Economic Downturns: Stability & Growth Tips In A Recession FORBES March 12, 2025 Here’s How Inflation Impacts Your Bank Account (And How To Take Advantage) GOBANKINGRATES March 11, 2025 Tariffs could cost Americans an extra $1,600 a year. Here’s where to find that money in your household budget. MARKETWATCH March 7, 2025 Americans Pay $500K in Taxes Over Their Lifetimes — 9 Ways To Cut the Cost Down GOBANKINGRATES March 6, 2025 4 Worst Mistakes Millennials Can Make With Money — and How To Avoid Them GOBANKINGRATES March 3, 2025 Estate Planning forYoung Families ADVISORPEDIA January 13, 2025 RISE Investments: Formed to Bridge Multi-Generational Wealth Management Gap CITYBIZ

Contact us today to setup a consultation and learn more about what we can do for you.​​ It is never too early to get started on or re-evaluate your investment plans and achieving your financial goals. It is never too early to get started on, or to re-evaluate your investment plans and achieving your financial goals. Schedule a call today to discuss your financial needs and learn more about what we can do for you. Get in touch First name* Last name Email* Phone Interested In* How Did You Hear About RISE Investments? Comments Submit

RISE Investments provides fiduciary, fee-only tax and estate planning. We help working professionals, business owners, retirees, and high-net-worth families with advanced tax optimization strategies, estate planning, charitable giving, tax-efficient wealth transfer, and long-term legacy strategies. Plan Your Legacy Tax and Estate Planning A more integrated tax, investment, and planning experience. We will partner with, and help you select your outside professionals to assist with tax and legal advice, insurance, mortgages, estate planning, and other specialized services. Get Started A family’s legacy is measured more by its values and the inclusion of each generation than by its material wealth. The end goal is a unified family, aligned by a common vision and values. We are here to help you envision and create a lasting impact that will be shared by your family for generations. Estate Planning Strategies Risk Management and Insurance Solutions Pre-Liquidity Planning for Business Owners Tax-Efficient Wealth Transfer We recognize that advanced planning may be overwhelming, and that is why we remain committed to ensuring our clients receive the necessary resources to meet their distinct financial needs. Explore Our Insights

Founder & Wealth AdvisorVince is the Founding Principal at RISE, serving as Chief Operating Officer. In this role, he is responsible for the company's business operations, service line offerings, steering RISE's vision and growth, and alternative investment manager/fund selection. In addition, Vince serves as a Wealth Advisor providing financial planning and investment management services to his clients. He enjoys working with and helping clients/families of all shapes and sizes. Vince places an extraordinary amount of effort toward delivering a superior, white-glove client service experience. Being a life-long guru of investing and methods to achieve financial freedom and success, Vince founded RISE in February 2019 as a part-time endeavor to provide tax and cost-efficient investment management and financial solutions to his friends and family members. In 2024, he transitioned to focus his full-time efforts on RISE. Prior to RISE, Vince spent seven years in the real estate private equity industry at Origin Investments. During that tenure, he built-out and led the company's business development and investor relations team, was a key contributor to the company's 5x growth over that time period, and served over 1,000 high-net-worth individual clients; providing education and investment solution recommendations to help them achieve their financial goals and objectives. Vince began his career in 2015 at Duff & Phelps, a leading global valuation and corporate finance advisor. Vince earned his Bachelor of Business Administration degree from Kent State University and his Master of Science degree in Corporate Finance and Real Estate from The Ohio State University. In addition, Vince is a CERTIFIED FINANCIAL PLANNER® practitioner. Vince is a volunteer at The Shared Table, serving hot meals to homeless Chicagoans through the Catholic Charities of the Archdiocese of Chicago. Outside of the office, he enjoys spending time with his family, being productive with home improvements, traveling, skiing, boating, and golfing. Vince resides in the Wicker Park neighborhood of Chicago with his wife, Jackie, and their mini Bernedoodle. Start at RISE 2019 Industry Start 2015 Education Kent State University, B.S. The Ohio State University, M.S. Favorite Candy KitKat Vince DeCrow, CFP® Founder & Wealth Advisor Chief Operating Officer vince@riseinvestmentsusa.com Vince is the Founding Principal at RISE, serving as Chief Operating Officer. In this role, he is responsible for the company's business operations, service line offerings, steering RISE's vision and growth, and alternative investment manager/fund selection. In addition, Vince serves as a Wealth Advisor providing financial planning and investment management services to his clients. He enjoys working with and helping clients/families of all shapes and sizes. Vince places an extraordinary amount of effort toward delivering a superior, white-glove client service experience. Being a life-long guru of investing and methods to achieve financial freedom and success, Vince founded RISE in February 2019 as a part-time endeavor to provide tax and cost-efficient investment management and financial solutions to his friends and family members. In 2024, he transitioned to focus his full-time efforts on RISE. Prior to RISE, Vince spent seven years in the real estate private equity industry at Origin Investments. During that tenure, he built-out and led the company's business development and investor relations team, was a key contributor to the company's 5x growth over that time period, and served over 1,000 high-net-worth individual clients; providing education and investment solution recommendations to help them achieve their financial goals and objectives. Vince began his career in 2015 at Duff & Phelps, a leading global valuation and corporate finance advisor. Vince earned his Bachelor of Business Administration degree from Kent State University and his Master of Science degree in Corporate Finance and Real Estate from The Ohio State University. In addition, Vince is a CERTIFIED FINANCIAL PLANNER® practitioner. Vince is a volunteer at The Shared Table, serving hot meals to homeless Chicagoans through the Catholic Charities of the Archdiocese of Chicago. Outside of the office, he enjoys spending time with his family, being productive with home improvements, traveling, skiing, boating, and golfing. Vince resides in the Wicker Park neighborhood of Chicago with his wife, Jackie, and their mini Bernedoodle. Go back to Team page Click here for CFA® and CFP® designation requirements.

Principal & Wealth AdvisorTom is a Principal at RISE, serving as the firm's Chief Investment Officer. In this role, Tom is responsible for the firm's investment research, asset allocation framework, portfolio construction, security/manager selection, and ongoing due diligence process. In addition, Tom serves as a Wealth Advisor offering financial planning that encompasses a goals-based approach for each of his clients. As a Wealth Advisor, Tom takes a holistic approach to focus on all key components of financial planning including cash flow planning, tax efficiency, risk management, and investment planning. Prior to joining RISE, Tom spent seven years at Bank of America Private Bank (formerly U.S. Trust), most recently as a Portfolio Manager. In that role, Tom worked with complex, high-net-worth families and individuals to create, implement, and manage customized investment strategies. Previous to Bank of America, Tom was a Valuation Associate for two years at Duff & Phelps. Tom earned his Bachelor of Science degree in Finance from the University of Illinois Urbana-Champaign in 2015. In addition, Tom is a CERTIFIED FINANCIAL PLANNER® practitioner and holds the Chartered Financial Analyst® ("CFA®") designation. Tom is a parishioner at Saint Vincent DePaul Catholic Church in Lincoln Park. Tom is also a regular volunteer at The Shared Table serving hot meals to homeless Chicagoans thru the Catholic Charities of the Archdiocese of Chicago. Outside of the office and volunteering, Tom is often found fishing on a body of water, traveling, or researching 20th century American history. Tom resides in the Lakeview neighborhood of Chicago with his wife, Margaret. Start at RISE 2024 Industry Start 2015 Education University of Illinois, B.S. Favorite Candy Razzles Thomas Van Spankeren, CFA®, CFP® Principal & Wealth Advisor Chief Investment Officer thomas@riseinvestmentsusa.com Tom is a Principal at RISE, serving as the firm's Chief Investment Officer. In this role, Tom is responsible for the firm's investment research, asset allocation framework, portfolio construction, security/manager selection, and ongoing due diligence process. In addition, Tom serves as a Wealth Advisor offering financial planning that encompasses a goals-based approach for each of his clients. As a Wealth Advisor, Tom takes a holistic approach to focus on all key components of financial planning including cash flow planning, tax efficiency, risk management, and investment planning. Prior to joining RISE, Tom spent seven years at Bank of America Private Bank (formerly U.S. Trust), most recently as a Portfolio Manager. In that role, Tom worked with complex, high-net-worth families and individuals to create, implement, and manage customized investment strategies. Previous to Bank of America, Tom was a Valuation Associate for two years at Duff & Phelps. Tom earned his Bachelor of Science degree in Finance from the University of Illinois Urbana-Champaign in 2015. In addition, Tom is a CERTIFIED FINANCIAL PLANNER® practitioner and holds the Chartered Financial Analyst® ("CFA®") designation. Tom is a parishioner at Saint Vincent DePaul Catholic Church in Lincoln Park. Tom is also a regular volunteer at The Shared Table serving hot meals to homeless Chicagoans thru the Catholic Charities of the Archdiocese of Chicago. Outside of the office and volunteering, Tom is often found fishing on a body of water, traveling, or researching 20th century American history. Tom resides in the Lakeview neighborhood of Chicago with his wife, Margaret. Go back to Team page Click here for CFA® and CFP® designation requirements.

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The description of products, services, and performance results of RISE contained on this website is not an offering or a solicitation of any kind. Past performance is not an indication of, and does not guarantee future results. Disclosure RISE Investment Management, LLC ("RISE" or "RISE Investments") is an investment adviser registered under the Investment Advisers Act of 1940. Registration of an investment adviser does not imply any level of skill or training. The description of products, services, and performance results of RISE contained on this website is not an offering or a solicitation of any kind. Past performance is not an indication of, and does not guarantee future results. Securities investments are subject to risk and may lose value. All of the information on this website is believed to be accurate and correct as the date set forth. RISE does not have or accept responsibility or an obligation to update such information. The Securities and Exchange Commission maintains a publicly-available database which provides information about registered investment advisers and investment adviser representatives. Please visit https://adviserinfo.sec.gov to obtain more information about RISE Investments.

RISE Investment Management, LLC ("RISE" or "RISE Investments") is an investment adviser registered under the Investment Advisers Act of 1940. Regulatory Documents RISE Investment Management, LLC ("RISE" or "RISE Investments") is an investment adviser registered under the Investment Advisers Act of 1940. Registration of an investment adviser does not imply any level of skill or training. The description of products, services, and performance results of RISE contained on this website is not an offering or a solicitation of any kind. Past performance is not an indication of, and does not guarantee future results. Securities investments are subject to risk and may lose value. All of the information on this website is believed to be accurate and correct as the date set forth. RISE does not have or accept responsibility or an obligation to update such information. The Securities and Exchange Commission maintains a publicly-available database which provides information about registered investment advisers and investment adviser representatives. Please visit https://adviserinfo.sec.gov to obtain more information about RISE Investments. Form ADV Part 2A and 2B Privacy Policy Business Continuity Plan