Ralicki Wealth Management & Trust Services

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Client assets under management

$115,085,311

Clients

31% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$1,174,340

About

Ralicki Wealth Management & Trust Services (RWM) is an SEC-registered adviser that primarily serves individual and high‑net‑worth clients as well as retirement plan sponsors. The firm offers investment supervisory services through third‑party money managers, alongside financial planning, pension consulting, and trustee services.

RWM operates as a manager‑of‑managers, selecting and monitoring SMA/platform solutions (including AssetMark, Orion, and CPS) rather than actively trading individual securities on client accounts; it retains discretion to hire or replace managers and relies on qualified custodians for custody and statements. The firm also accepts standing letters of authorization and may serve as trustee for certain client trusts, which results in custody designations and an annual independent surprise examination.

What is atypical about RWM for its peer group is its affiliation with a traditional accounting and tax practice (Ralicki & Company, P.A.), which provides tax preparation and planning services to clients and presents a referral‑related conflict of interest. The firm’s use of wrap/SMA platforms and receipt of platform benefits (technology, marketing, and status incentives from providers) is another less common feature, and its model of not directly managing individual securities distinguishes it from many supported advisers.

Client services

Financial planning Pension consulting Selection of other advisers

Expertise

Social Security optimization Retirement plans for business owners (SEP, solo 401k) Trust structures (GRAT, IDGT, revocable)

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Fixed fees for financial planning and consulting services, typically negotiated separately per client

Percentage

Up to the first $1,000,000 - $1,000,000: 1.20% (Trustee services) Assets after the first $1,000,000 up to $2,000,000 - $2,000,000: 0.75% (Trustee services) $2,000,001 to $5,000,000 - $5,000,000: 0.55% (Trustee services) $5,000,001 and above+: 0.45% (Trustee services) The portion of assets up to $2,500,000 - $2,500,000: Total fee 1.07% (0.75% RWM + 0.32% Money Manager) (Pension Consulting) The portion of assets up to $1,000,000,000 - $1,000,000,000: Total fee 1.02% (0.75% RWM + 0.27% Money Manager) (Pension Consulting) Assets after the first $1,000,000,000+: Negotiated (Pension Consulting)

Project-based

$200 to $400 per hour for financial planning and consulting services

Other

Fee-only: Financial planning and consulting services charged either as fixed fees (negotiated) or hourly fees ranging from $200 to $400 per hour

Main office location

Ralicki Wealth Management & Trust Services

1235 Se Indian Street, Suite 102

Stuart FL 34997, United States

Number of offices

Most active in

Florida

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

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

Quick links

LinkedIn Facebook X Website 772-221-4508

Advisors at this firm

Nicholas C

Series 65

Stuart, FL

Ralicki Wealth Management & Trust Services

Nicholas Christensen is a financial advisor at Ralicki Wealth Management & Trust Services with a Series 65 designation and two years of industry experience. He has been with Ralicki Wealth Management since 2016 and previously worked in education and retail. Ralicki Wealth Management & Trust Services provides investment supervisory services, financial planning, pension consulting, and limited trust services to individual and pension/profit-sharing plan clients, focusing on a manager-of-managers approach by selecting and monitoring third-party money managers and SMA platforms.

Social Security optimization Retirement plans for business owners (SEP, solo 401k) Trust structures (GRAT, IDGT, revocable) Founder/Business Owner Retired

David R

Series 65

Stuart, FL

Ralicki Wealth Management & Trust Services

David Ralicki is a financial advisor at Ralicki Wealth Management & Trust Services in Stuart, FL, holding a Series 65 designation with 15 years of industry experience. He has been with Ralicki Wealth Management & Trust since 2007. The firm provides investment supervisory services, financial planning, pension consulting, and limited trust services to high-net-worth individuals and pension/profit-sharing plan clients. Ralicki Wealth Management operates as a manager-of-managers, selecting and monitoring third-party money managers and SMA platforms to execute client investment strategies.

Social Security optimization Retirement plans for business owners (SEP, solo 401k) Trust structures (GRAT, IDGT, revocable) Founder/Business Owner Retired

David R

Series 65

Stuart, FL

Ralicki Wealth Management & Trust Services

David Ralicki is a financial advisor at Ralicki Wealth Management & Trust Services in Stuart, FL, holding a Series 65 designation with 24 years of industry experience. He has been with Ralicki Wealth Management & Trust Services since 2006. Ralicki Wealth Management & Trust Services provides investment supervisory services, financial planning, pension consulting, and limited trust services primarily to high-net-worth individuals and pension/profit-sharing plan clients. The firm operates as a manager-of-managers, selecting and monitoring third-party money managers to execute investment decisions on behalf of clients.

Social Security optimization Retirement plans for business owners (SEP, solo 401k) Trust structures (GRAT, IDGT, revocable) Founder/Business Owner Retired

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