Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right
Tap on the profile icon to edit
your financial details.

The Top Financial Advisors in Denton, TX

Your Details Done
by Updated

This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

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.

Find a Fiduciary Financial Advisor

We match more than 50,000 people with financial advisors per month. Get connected to an advisor that serves your area today.
Free inital consultations. All advisors are fiduciaries.

Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Grunden Financial Advisory, Inc. Grunden Financial Advisory, Inc. logo Find an Advisor

Read Review

$348,837,512 $1,000,000
  • Portfolio management
  • Financial planning
  • Selection of other advisors (including private fund managers)

Minimum Assets


Financial Services

  • Portfolio management
  • Financial planning
  • Selection of other advisors (including private fund managers)
2 Relevance Capital Management, Inc. Relevance Capital Management, Inc. logo Find an Advisor

Read Review

$304,162,377 $1,000,000
  • Portfolio management
  • Financial planning

Minimum Assets


Financial Services

  • Portfolio management
  • Financial planning
3 Cultivar Capital, Inc. Cultivar Capital, Inc. logo Find an Advisor

Read Review

$348,837,512 No set account minimum
  • Portfolio management
  • Financial planning
  • Selection of other advisors (including private fund managers)

Minimum Assets

No set account minimum

Financial Services

  • Portfolio management
  • Financial planning
  • Selection of other advisors (including private fund managers)

Let us help match you with up to three vetted fiduciary financial advisors.

Answer a few questions to get matched.
Get started

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:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure 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. 

The firm's advisory staff includes three certified financial planners (CFP), two of whom are also accredited investment fiduciaries (AIFs).

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

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:

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. 

In its effort to employ broadly diversified strategies, Cultivar Capital uses no-load mutual funds, exchange-traded funds (ETFs), exchange-traded notes (ETNs) and individual stocks.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research