RFG Capital Management, LLC

RFG Capital Management LLC provides advisory services to individuals, pension and profit‑sharing plan participants, trusts, estates, charitable organizations, corporations and other business entities, and its client base is oriented toward higher‑net‑worth and institutional accounts rather than non‑HNW retail investors. The firm offers comprehensive financial planning and consulting and acts primarily as a referrer to third‑party investment advisors (TPIAs) rather than directly managing client investment accounts.

The firm’s process emphasizes a tailored planning approach — gathering client financial information, defining goals and risk tolerance, and recommending TPIA programs or specific strategies that align with those objectives. RFG discloses that it no longer provides direct account management and generally does not charge percentage‑of‑assets‑under‑management fees itself, instead using fixed or hourly planning fees and receiving referral compensation from TPIAs for accounts placed with those managers.

Noteworthy distinctions include that the firm’s managing member is also a licensed insurance agent who spends the majority of his time in insurance activities and may earn commissions from insurance product sales to advisory clients, a practice the brochure discloses as a potential conflict of interest. The firm’s disclosure materials also note prior insurance‑related disciplinary actions and a 2012–2013 bankruptcy filing involving the managing member, which are presented as material events for prospective clients to consider.