Betsy Ratashak-Vogel
R&V Personal Finance · Decorah, Iowa
Betsy Ratashak-Vogel is a fee-only financial advisor at R&V Personal Finance in Decorah, Iowa, who holds the CFP credential.
- $2,400
- Ongoing planning, per year, from
- $1,500
- One-time plan, from
- $300
- Hourly rate
- $9M
- Firm assets managed
What Betsy focuses on
Who Betsy works with
- Physicians
- Pre-retirees
- Divorced individuals
- Early-career professionals
- High earners
How does Betsy's firm compare?
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Ongoing planning starts at $2,400 a year, below the US median of $4,500 for fee-only firms that publish prices.
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A one-time plan starts at $1,500, below the US median of $2,000 for fee-only firms that publish prices.
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The hourly rate is $300, in line with the US median of $300 for fee-only firms that publish prices.
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R&V Personal Finance's average account is about $550,000, from its Form ADV (assets managed divided by 16 accounts).
Questions about Betsy
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
The full record
| 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 | $8.8M across 16 accounts |
| Credentials | CFP |
| Firm size | 1 employee |
| Website | rvpersonalfinance.com |
| Profile |
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Other fee-only advisors in Iowa
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- NAPFA directory listing : NAPFA admits only fee-only advisors
- R&V Personal Finance website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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