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RGT Wealth Advisors Review

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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.

RGT Wealth Advisors is a large financial advisor firm that's headquartered in Dallas, Texas. The firm currently holds a spot on SmartAsset's list of both the top financial advisors in Dallas and the top financial advisors in Texas. The firm is a fee-only advisor, which means all of its compensation comes from client-paid fees.

RGT Wealth Advisors provides a wide range of investment management, financial planning and family office services to its client base of both individuals and institutions. The firm manages billions in client assets, while employing a large team of financial advisors. The firm also publishes a newsletter on its website to help keep clients up to date on happenings within the company and the various financial markets.

RGT Wealth Advisors Background

RGT Wealth Advisors was founded in 1985 and has been in business in Dallas ever since. Many of the firm's managing directors have an MBA degrees. The firm is principally owned by CI Private Wealth US, LLC and, in turn, CI Financial Corp.

In all, the firm's staff is comprised of chartered financial analysts (CFAs), certified financial planners (CFPs), certified public accountants (CPAs) and more.

RGT Wealth Advisors Client Types and Minimum Account Sizes

RGT Wealth Advisors works with both individual and institutional clients. However, the vast majority of the clients at the firm are high-net-worth individuals. Other clients include non-high-net-worth individuals, pooled investment vehicles, charities and businesses.

The firm has a minimum investment requirement of $3,000,000, which explains why so many of its clients are high-net-worth individuals. RGT may decide to waive this minimum at its sole discretion.

Services Offered by RGT Wealth Advisors

RGT Wealth Advisors looks to provide its clients with three main services: investment management, financial planning and family office services. According to its Form ADV, the firm follows these three principles:

  • "To integrate financial planning with portfolio management"
  • "To minimize conflicts and align with clients in a fee-only model"
  • "To be independent of Wall Street firms in order to have a wide platform of potential investment solutions for our clients"

This firm provides its investment management services through managed accounts, separate account managers, private funds and growth capital funds. Financial planning services may entail advice on issues like cash flow planning, estate planning, retirement planning, tax planning and more.

RGT Wealth Advisors Investment Philosophy

The core tenet of RGT Wealth Advisors' investment philosophy is to tailor its services to the needs of its clients. Advisors work with clients to determine the characteristics of their financial situation, including their risk tolerance, financial objectives, time horizon, financial planning goals, investment restrictions and income needs.

RGT's advisors typically use mutual funds, exchange-traded funds (ETFs) and individual securities to populate client portfolios. They may use other investments where appropriate, though. The firm's investment committee approves a platform of recommended investments and strategies that are used for portfolio construction.

Fees Under RGT Wealth Advisors

RGT Wealth Advisors typically charges clients fees as a percentage of their total assets under management (AUM). Specific fees are determined based on the size and scope of their specific advisory agreement. Annual fee rates typically range from 0.25% to 1.25%.

Fees for comprehensive financial planning and family office services are also determined based on the size and scope of the advisory agreement. Divorce consulting services usually come with an hourly fee rate of $300, with an additional $150 rate if the firm's planner is involved.

What to Watch Out For

RGT Wealth Advisors does not have any legal or regulatory disclosures listed on its latest SEC-filed Form ADV.

Opening an Account with RGT Wealth Advisors

Those interested in working with RGT Wealth Advisors should go to the firm's website, scroll down and click "Let's Talk." From there, you can submit an online contact form or call (214) 360-7000.

All information is accurate as of the writing of this article.

Tips for Finding the Right Financial Advisor

  • When it comes to investing for your retirement, it pays to be well-informed and prepared. A financial advisor can help you with the entire process. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • Whether you're just getting started with investing or you've been doing it for decades, SmartAsset's investment calculator can help you figure out what kinds of returns you need to attain to reach your financial goals.

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