Ross Wealth Group, LLC

Ross Wealth Group provides financial planning, consulting, and discretionary wealth management to individuals, trusts and estates, and offers a distinct retirement consulting practice for teachers that includes pension documentation, joint/survivor illustrations, and assistance with Social Security/Medicare filings. The firm also advises on and implements allocations to products held outside clients’ primary custodians—such as variable life and annuity contracts—and several supervised persons are licensed insurance agents who offer commissionable insurance products.

RWG constructs client portfolios largely by allocating assets to Independent Managers and employs an asset‑allocation framework derived from Modern Portfolio Theory, combining active and passive strategies with fundamental, technical, cyclical and behavioral analysis. The firm monitors manager performance on an ongoing basis, uses a platform relationship with Triad Wealth Partners for manager implementation, and delivers written financial plans for wealth management clients meeting its $200,000 AUM threshold.

Compared with many supported peers, RWG discloses an affiliation with an insurance entity (Russ Ross Consultants, LLC) and that certain personnel sell insurance products, a feature that creates potential conflicts of interest when recommending insurance‑held investments. The firm also does not report serving either non‑high‑net‑worth or high‑net‑worth individual client segments, reflecting a client mix and service focus—notably teacher retirement consulting and insurance‑product advice—that differs from many firms in its category.