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RAI Wealth Management

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Client assets under management

$132,817,458

Clients

229

16% high-net worth

Advisors

3

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

76

High

Average account size

$579,989

About

RAI Wealth Management serves individuals, high‑net‑worth clients, trusts and estates, employer‑sponsored retirement plans, and charitable organizations. The firm provides discretionary investment management primarily using mutual funds and ETFs, financial planning and consulting, and retirement‑plan advisory and provider‑selection services.

The firm’s investment process emphasizes asset allocation and long‑term total‑return strategies implemented through mutual funds and ETFs, periodic rebalancing, and discretionary management tailored to client risk profiles; individual equities or fixed‑income holdings are generally held only as client accommodations. RAI also supports legacy allocations to unaffiliated independent managers and uses a model marketplace (through Altruist) and associated tax‑management tools to implement third‑party and custom model portfolios.

Notably, RAI has a formal business‑continuity and operational relationship with another registered adviser, including shared personnel and the ongoing servicing of legacy client portfolios transitioned from that firm. The firm operates across multiple custodial platforms (Schwab, SEI, and Altruist), participates in a referral/solicitation arrangement with a plan provider for retirement plans, and recently changed its advisory billing method to an average‑daily‑balance calculation.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Consulting services

Expertise

Concentrated stock management Passive / index investing Tax-loss harvesting Retirement income strategy General estate planning guidance

Occupation focus

Retired

Fee options

Fixed

Flat fees for consulting services may be charged based on scope and complexity as mutually agreed.

Percentage

$0 - $50,000: 1.25% $50,001 - $100,000: 1.20% $100,001 - $250,000: 1.00% $250,001 - $500,000: 0.75% $500,001 - $1,000,000: 0.65% $1,000,001+: 0.55%

Project-based

$200 per hour for financial planning and consulting services with $500 minimum fee.

Other

Account minimum: $50,000 minimum for SEI custodial accounts (family accounts may be aggregated to meet minimum). No minimum for Schwab or Altruist custodial accounts, though SEI is generally not recommended for accounts under $250,000 due to custodial fees. Fee-only: Financial planning and consulting charged hourly at $200/hour with minimum fees of $500. Flat fees may be charged for consulting services as mutually agreed.

Main office location

RAI Wealth Management

151 N. Kraemer Blvd., Suite 105

Placentia CA 92870, United States

Number of offices

1

Most active in

More info

Arizona · California · Colorado · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Website (714) 449-9696

Advisors at this firm

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user avatar

Terri G

Series 63, Series 65

Placentia, CA

RAI Wealth Management

Terri Grassi is a financial advisor at RAI Wealth Management with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Munson, Cronick & Associates, LLP Certified Public Accountants and operated her own CPA practice. RAI Wealth Management serves individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm focuses on discretionary investment management primarily through mutual funds and ETFs, emphasizing asset allocation, long-term total-return strategies, and tailored risk profiles.

Concentrated stock management Passive / index investing Tax-loss harvesting Retirement income strategy General estate planning guidance Retired
user avatar

James R

CFP®

Placentia, CA

RAI Wealth Management

James Ripley is a CFP® with 33 years of experience in the financial industry. He has been with Richey Advisors, Inc. dba RAI Wealth Management since 2006 and also worked at Gregory Advisors, Inc. since 2020. RAI Wealth Management serves individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm emphasizes asset allocation and long-term total-return strategies primarily through mutual funds and ETFs, with discretionary management tailored to client risk profiles.

Concentrated stock management Passive / index investing Tax-loss harvesting Retirement income strategy General estate planning guidance Retired
user avatar

Angel M

CFP®, Series 65

Placentia, CA

RAI Wealth Management

Angel Mendez is a CFP® and holds a Series 65 license with two years of industry experience. He has worked at RAI Wealth Management since 2023 and previously at Gregory Advisors, Inc. from 2023 to 2024. Prior to his financial advisory career, he operated Angel Mendez Landscaping for three years. RAI Wealth Management serves individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm focuses on discretionary investment management using mutual funds and ETFs, with an emphasis on asset allocation, long-term total-return strategies, and tailored risk profiles.

Concentrated stock management Passive / index investing Tax-loss harvesting Retirement income strategy General estate planning guidance Retired
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