Finding a Top Financial Advisor Firm in Denton, Texas
You shouldn’t have to worry about finding the right financial advisor in your city. Because you’ll likely have many options in the Denton, Texas area, we’ve compiled a list of the top firms in the city. Our review compares each firm’s assets under management (AUM), minimum account size requirements, investment strategies, advisory services and more. If you’d prefer an alternative, try using SmartAsset’s free financial advisor matching tool to connect with up to three vetted advisors who serve your area.
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|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Grunden Financial Advisory, Inc. Find an Advisor||$348,837,512||$1,000,000|| || |
|2||Relevance Capital Management, Inc. Find an Advisor||$304,162,377||$1,000,000|| || |
|3||Cultivar Capital, Inc. Find an Advisor||$348,837,512||No set account minimum|| || |
Minimum AssetsNo set account minimum
What We Use in Our Methodology
To find the top financial advisors in Denton, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:
- AUMFirms with more total assets under management are ranked higher.
- Individual Client CountFirms who serve more individual clients (as opposed to institutional clients) are ranked higher.
- Clients Per AdvisorFirms with a lower ratio of clients per financial advisor are ranked higher.
- Age of FirmFirms that have been in business longer are ranked higher.
All information is obtained through public records and is updated annually after the firms’ form ADV filing. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria. SmartAsset is not a client of the aforementioned firms, and did not receive compensation for including any of the firms on the aforementioned list.
Grunden Financial Advisory
Grunden Financial Advisory is a fee-based financial services company serving individuals, high-net-worth individuals, trusts, pensions and profit-sharing plans. The firm also works with estates, corporations and charitable organizations. The firm generally imposes a minimum account size requirement of $1 million. But the firm may accept clients with lower account values if they have the potential to meet the minimum requirement in the future.
The firm does not have any disclosures on its SEC-filed Form ADV.
Grunden’s fee-based fee structure potentially creates a conflict of interest because advisors who sell insurance products may earn commissions from third parties. This may cause them to favor commission-based products over other more suitable investments. However, Grunden says it honors a fiduciary duty to prioritize each client’s best interests.
Grunden Financial Advisory Background
Ricky Lee Grunden Sr. founded Grunden in 2002. Grunden remains the firm’s president and chief executive officer, while Dave Ragan serves as the vice president of financial planning. Grunden mainly offers investment supervisory, asset allocation, 401(k) and charitable institution services. The firm also offers money manager referral services.
For financial planning, the firm offers two programs: Grunden Wealth Builder Challenge and Grunden Wealth Management Consulting Process.
Grunden Financial Advisory Investment Strategy
Grunden states in its firm brochure that its investment philosophy embraces the efficient market hypothesis (EMH) and modern portfolio theory (MPT) as crucial to producing long-term, risk-identified investment results. The firm employs both fundamental and technical analysis in evaluating potential investments.
The firm’s Form ADV shows that most of its assets were allocated to securities issued by registered investment companies or business development companies.
Relevance Capital Management
Relevance Capital Management, a fee-only firm, completes our list of the top financial advisors in Denton. The firm's client base includes individuals, high-net-worth individuals and charitable organizations. RCM currently has three advisors whose qualifications include the certified financial planner (CFP), certified public accountant (CPA) and chartered financial analyst (CFA) designations.
RCM charges asset-based fees for its advisory services, and the firm maintains a minimum account size requirement of $1 million. The firm also has an office in Dallas.
Relevance Capital Management Background
Founded in 2012 by James A. Rench, the private firm specializes in investment management and financial planning and consulting services. RCM’s services also feature IRA and tax planning strategies. Rench remains the firm's sole owner.
Relevance Capital Management Investment Strategy
RCM says its investment philosophy is rooted in the beliefs that the chief need of retirees is an income stream that has the potential to grow over time and that owning stocks in great businesses over long periods is crucial to wealth accumulation. The firm pursues investments in companies that pay dividends and have the ability and willingness to pay shareholders a gradual stream of dividend income over time, according to its website.
In identifying appropriate securities to use in client portfolios, RCM uses fundamental analysis and cyclical analysis. When it comes to equity strategies, the firm uses a focused dividend strategy that works to increase dividend income over time. RCM also employs fixed-income allocations that use mutual funds and/or exchange-traded funds (ETFs).
Cultivar Capital, a registered investment advisor (RIA) firm, has a small staff of advisors works with individuals and high-net-worth individuals, pensions and profit-sharing plans, trusts, estates and charitable organizations. Cultivar Capital’s team holds a range of industry credentials. For instance, Thomas Muir, the firm’s president and chief executive officer (CEO), holds both the certified financial planner (CFP) and certified public accountant (CPA) designations.
As a fee-only firm, Cultivar Capital primarily charges asset-based fees for its advisory services and does not sell financial products or insurance. The firm doesn’t specify a minimum account size requirement.
Cultivar Capital Background
Muir founded the firm in 2011 and remains its owner. Cultivar Capital’s key advisory services include investment management and financial planning services. Its investment management services include portfolio selection and investment supervisory services. The firm’s financial planning services also address the following areas of wealth management:
- Retirement planning
- Education planning
- Investment planning
- Portfolio analysis
- Tax planning
- Risk management
- Estate planning
Cultivar Capital Investment Strategy
Cultivar Capital believes a disciplined approach increases a client’s chance to gain long-term growth with some resistance to negative market events, according to its website. Cultivar says its core principles are preparation, knowledge, fulfillment and realism. The firm also strives to diversify assets by allocating investments across various segments and by “buying low and selling high,” according to its website.