Refined Wealth
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$901,498
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Refined Wealth is a small, fee-only registered investment adviser that manages discretionary assets (about $901,498 reported) and provides continuous investment management alongside financial planning services. The firm offers both ongoing planning tied to managed accounts and limited-scope, project-based financial planning engagements.
The firm’s investment approach is grounded in Modern Portfolio Theory and asset allocation, with a preference for passive vehicles such as index mutual funds and ETFs and periodic rebalancing; accounts are reviewed on a quarterly basis. It routinely uses third-party Outside Managers and subscribes to a model marketplace to implement portfolios, and it may exercise discretionary trading authority on client accounts.
Notably for a firm of this size, Refined Wealth regularly recommends and onboards Outside Managers and participates in a model marketplace—practices that are less common among comparable investment managers. The firm also discloses that its principal operates a separate investment-education media business conducted independently from advisory services.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
Business ownership considerations
Fee options
Fixed fee for Project-Based Financial Planning ranges from $3,000 to $10,000
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.60% $5,000,001+: 0.40%
$300/hour for Project-Based Financial Planning
Fee-only: Project-Based Financial Planning: $3,000 to $10,000 fixed fee; Hourly rate: $300/hour
Main office location
Refined Wealth
Houston TX, United States
Number of offices
1
Most active in
Refined Wealth has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")