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Rall Capital Management, Inc.

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Client assets under management

$122,740,098

Clients

157

25% high-net-worth

Advisors

2

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

79

High

Average account size

$781,784

About

Rall Capital Management provides wealth management and financial planning primarily to individual clients, including high‑net‑worth households, delivering investment management, retirement planning, and ongoing financial planning services. The firm also offers tax‑planning assistance and coordinates tax preparation and estate‑planning work through unaffiliated third‑party firms rather than performing those services in‑house.

RCM’s investment approach emphasizes asset allocation grounded in Modern Portfolio Theory, constructing diversified portfolios with mutual funds, ETFs, and individual securities and managing accounts on a discretionary, long‑term basis with periodic rebalancing and attention to tax efficiency. Clients receive a detailed financial plan and ongoing monitoring via a client planning portal, with reviews at least annually and as circumstances change.

Compared with many peers, RCM operates with two advisors managing roughly $123 million in assets, has no stated account minimum, and has recently applied for SEC registration, items it highlights in its brochure. The firm’s operational practices are also notable: it does not aggregate or block client trades, it maintains a trade‑error policy that reimburses client losses while donating any resulting gains to charity, and it relies on external providers for tax preparation and estate document drafting.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Cash flow / budgeting General estate planning guidance College savings (529s, UTMA, etc.) Tax-loss harvesting

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Fee options

Percentage

$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.25% $10,000,001+: 0.10%

Other

Fee-only: Financial planning on a fee-only basis; no commissions or 12b-1 fees accepted.

Main office location

Rall Capital Management, Inc.

573 Barnes Blvd, Suite 103

Rockledge FL 32955, United States

Number of offices

1

Most active in

Florida · Georgia · Ohio · Texas

Disclosures

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

Business activities & affiliations

Advisors at this firm

user avatar

Adam R

CFP®

Rockledge, FL

Rall Capital Management, Inc.

Adam Rall is a CFP® professional with four years of industry experience, currently serving as an advisor at Rall Capital Management, Inc. in Rockledge, FL. He has been with the firm since 2013. Rall Capital Management provides wealth management and comprehensive financial planning services to individual clients, including high-net-worth households. The firm employs an investment approach based on Modern Portfolio Theory, focusing on diversified, tax-conscious portfolios managed primarily on a long-term, discretionary basis.

General retirement planning Cash flow / budgeting General estate planning guidance College savings (529s, UTMA, etc.) Tax-loss harvesting

Bob R

CFP®

Merritt Island, FL

Rall Capital Management, Inc.

Bob has more than 30 years of experience in the financial services industry. He began his financial career with Prudential Insurance, where he gained valuable knowledge and experience that allows him to help clients make sure that their various insurance policies are structured properly to protect their assets. While in that role, he was introduced to the investment side of the financial services industry and quickly learned that this is where his passion lies. After a few years helping clients manage their investment portfolio, the desire to help clients beyond their investments led him to complete the educational and experience requirements to earn the CERTIFIED FINANCIAL PLANNER™ designation in 1998. Bob had a passion for the financial markets, and enjoyed the relationships he had developed with his clients, but his disdain for the culture of Wall Street led him to join an independent, fee-only financial planning and investment management firm in 2000. He spent the next four years managing client portfolios and helping them to develop long-term comprehensive financial plans. A desire to be even more independent when helping clients led him to start Rall Capital Management in September of 2004. While most advisory firms are built to cater to the ultra-high-net-worth client, Bob built Rall Capital Management to cater to an underserved segment of the market, known as the “mass-affluent.” Individuals and families of more modest means have less room for error when planning their financial futures and managing their investment portfolios. This is the group that Bob has focused on serving. Bob is a member of the Financial Planning Association (FPA®) and the National Association of Personal Financial Advisors (NAPFA®). He was a contributing writer for the Journal of Financial Planning and served on the Editorial Advisory Board for several years. He is also a recognized leader in the retirement planning field. He helped launch the FPA’s Retirement Planning Knowledge Circle and served as its host for several years. Bob graduated cum laude from Ohio University in Athens, Ohio. But having grown up in Columbus, he is an ardent fan of The Ohio State Buckeyes. He also enjoys working out with his wife at their CrossFit gym, history, and working on his golf game. One of the things he is proudest of is having built a small, independent and successful firm that allows him to work with his family as they help other families achieve their financial goals.

General retirement planning Young Professionals Baby Boomers (Born 1946-1964)
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