RFG Advisory, LLC logo

RFG Advisory, LLC

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Total assets under management

$6,120,333,343

Total clients

13,682

10% high-net worth

Total advisors

135

of 277 employees

Firm size

Enterprise

51-2,000 advisors or $10B+ in AUM

Average clients per advisor

101

Average account size

$447,327

About

RFG Advisory is an enterprise registered investment adviser that serves individuals (including high‑net‑worth), charitable organizations, corporations, ERISA retirement plans and other institutional clients. Its service roster includes discretionary portfolio management, financial planning and consulting, retirement plan consulting, referrals to third‑party money managers, and acting as an adviser to exchange‑traded funds.

The firm manages client portfolios using a mix of in‑house model strategies and outside platforms, combining active and passive ETFs, mutual funds, direct indexing, structured notes and access to private investments. RFG integrates third‑party platforms for participant retirement accounts and unified managed accounts, supports 10b5‑1 trading plans, and uses curated alternative‑investment channels to implement tailored solutions for clients.

What distinguishes RFG from many peers is its role as a sub‑adviser to a multi‑ETF suite, which means it both manages client assets and provides investment management to pooled products, and the firm may invest client assets in those products. RFG also maintains an extensive set of platform, referral and custodial relationships (including private‑investment and banking sweep offerings), permits advisors to continue legacy third‑party manager relationships, and highlights practice specializations such as industry‑specific retirement protocols and a firm‑supported financial education program for women — all features that influence how services are delivered and how recommendations are sourced.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Fee options

Fixed

Financial planning and consulting flat fees negotiated up to $50,000.

Percentage

$0+: Up to 2.35% annually (Financial Advisor determines individual fee schedules which can be flat, linear, or tiered) $0+: RFG annual platform fee up to 0.50% $0+: Bluemonte strategist fee up to 1.00% $0+: Third-party investment manager platform fees vary Under $10,000+: $10 per month platform fee charged by SMArtX

Commissions

Some Financial Advisors receive commissions from sale of securities and insurance products; RFG Advisory receives portion of these commissions for administrative support.

Project-based

Hourly charges reported in Form ADV Part 1 but not specifically detailed in brochure.

Other

Account minimum: Determined by individual Financial Advisors or Third-Party Managers; varies and may be negotiated; not explicitly stated in brochure Fee-only: Financial planning and consulting flat fees up to $50,000, negotiated per engagement; Retirement Plan Consulting fees up to 1.00% of plan assets, negotiated; Annuity management fees up to 1.15% annually plus up to 0.45% platform fee.

Disclosures

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

Business activities & affiliations

Main office location

RFG Advisory, LLC

1400 Urban Center Drive, Suite 475

Vestavia Hills AL 35242-2245, United States

Number of offices

62

Quick links

Facebook X Instagram Website 205-397-2450
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