Rhino Wealth Management

Rhino Wealth Management serves individual clients (including high-net-worth families), small businesses, and charitable organizations, offering discretionary portfolio management alongside personal financial planning and consulting on an hourly or flat‑fee basis. The firm bills advisory fees based on assets under management and also provides guidance for directly held accounts such as variable annuities and 529 plans, with clients able to use an online financial planning portal and digital vault.

The firm’s investment process centers on portfolio models constructed primarily from ETFs and mutual funds and is governed by a systematic multi‑factor quantitative framework that scores ETFs on Value, Momentum, Quality, Growth, and Volatility to inform allocations across eleven geographic regions (anchored to MSCI ACWI) and U.S. sectors (anchored to the S&P 500). That quantitative process operates under professional oversight and is supplemented by fundamental, technical, and cyclical analysis; client portfolios are reviewed at least quarterly and the firm requires discretionary accounts to be custodied at LPL Financial.

Noteworthy distinctions include an unusually high client load for a firm of its size — nearly 300 clients supported by a single advisory team member — and the fact that firm representatives are also licensed insurance agents/brokers who may offer insurance products and receive customary commissions, a potential conflict the brochure discloses and manages. The brochure also discloses supervised use of artificial intelligence for tasks such as real‑time note taking and data analysis, and participation in LPL’s Assurance Plan to facilitate continuity of service if an adviser is unable to perform duties.