# Betsy Ratashak-Vogel

> Betsy Ratashak-Vogel is a fee-only financial advisor at R&V Personal Finance in Decorah, Iowa, who holds the CFP credential. Betsy charges a percentage of assets, an ongoing planning fee, hourly fees and a one-time planning fee (ongoing planning from $2,400 a year and one-time plans from $1,500) and focuses on physicians & residents, retirement planning and divorce financial planning.

Page: https://find.wellspent.co/advisors/betsy-ratashak-vogel/
Built from public directory listings; last checked October 28, 2026.

## Facts

- **Firm:** R&V Personal Finance
- **Based in:** Decorah, Iowa
- **Fee model:** Percentage of assets; Ongoing planning fee; Hourly; One-time planning fee
- **Fees (firm's website):** ongoing planning from $2,400 a year; one-time plans from $1,500; $300 an hour; 0.96% a year on the first tier of assets managed
- **Assets under management (firm):** $8.8M across 16 accounts
- **Credentials:** CFP
- **Specialties:** Physicians & residents, Retirement planning, Divorce financial planning, Student loans
- **Works with:** Physicians, Pre-retirees, Divorced individuals, Early-career professionals, High earners
- **Firm size:** 1 employee
- **Website:** https://rvpersonalfinance.com

## Frequently asked questions

### Is Betsy Ratashak-Vogel a fee-only financial advisor?

Yes. Betsy Ratashak-Vogel is listed in the XY Planning Network directory (XYPN members are fee-only) and the NAPFA directory (NAPFA admits only fee-only advisors).

### How does Betsy Ratashak-Vogel charge for financial advice?

Betsy Ratashak-Vogel charges a percentage of assets, an ongoing planning fee, hourly fees and a one-time planning fee.

### How much does Betsy Ratashak-Vogel charge?

According to R&V Personal Finance's website, checked October 28, 2026: ongoing planning from $2,400 a year; one-time plans from $1,500; $300 an hour; 0.96% a year on the first tier of assets managed.

### Where is Betsy Ratashak-Vogel based?

Betsy Ratashak-Vogel is based in Decorah, Iowa.

### What does Betsy Ratashak-Vogel specialize in?

Betsy Ratashak-Vogel's specialties include physicians & residents, retirement planning, divorce financial planning and student loans. Betsy works with physicians, pre-retirees, divorced individuals, early-career professionals and high earners.

### What credentials does Betsy Ratashak-Vogel hold?

Betsy Ratashak-Vogel holds the CFP credential.

### How much does R&V Personal Finance manage?

R&V Personal Finance reports $8.8M across 16 accounts in assets under management.

### How do I contact Betsy Ratashak-Vogel?

Through Betsy Ratashak-Vogel's website, rvpersonalfinance.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/betsy-ratashak-vogel-10744): XYPN members are fee-only
- NAPFA directory listing: NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.rvpersonalfinance.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.