Rachor Investment Advisory Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Rachor Investment Advisory Services serves individuals (including high‑net‑worth clients), trusts, qualified retirement plans, charitable organizations, and businesses by providing personalized discretionary and non‑discretionary investment advisory services. The firm offers a Diversified Strategy implemented primarily with ETFs and mutual funds and a Concentrated Strategy delivered through third‑party private money managers, and includes financial planning services such as lifetime cash‑flow projections at no additional charge.
Rachor’s Diversified approach relies on an evidence‑based allocation framework informed by Dimensional Fund Advisors research to set equity, fixed income, international, size, and factor exposures and emphasizes low‑turnover, ETF‑focused implementation. For portions of client portfolios that use the Concentrated Strategy, the firm conducts due diligence and recommends unaffiliated private money managers on a non‑discretionary basis; those strategies are typically less diversified, have higher turnover, and may employ leverage or shorting.
A distinctive feature is that Rachor is licensed as a public accounting firm and provides limited tax planning and preparation to advisory clients at no additional charge, a practice the brochure notes can create an incentive to maintain the advisory relationship. The firm also regularly discloses performance information — including manager performance histories used in due diligence, client performance reports, and written hypothetical lifetime projections — and provides separate Part 2A disclosure for each recommended private money manager.
Client services
Expertise
Occupation focus
Fee options
$0 - $2,500,000: 1.0000% $2,500,001 - $5,000,000: 0.5000% $5,000,001 - $7,500,000: 0.2500% $7,500,001 - $10,000,000: 0.1250% $10,000,001 - $12,500,000: 0.0625% $12,500,001 - $15,000,000: 0.0313% $15,000,001 - $17,500,000: 0.0157% $17,500,001 - $20,000,000: 0.0079% $20,000,001+: 0.0040%
For non-retirement accounts in Concentrated Strategy, commissions range approx. 1.5% to 2.0% per transaction; annual commissions historically 3.0% to 6.0% of average account balance.
Fee-only: Rachor charges investment advisory fees based on tiered AUM schedule for Diversified and Concentrated Strategies; Private Money Managers may charge commission-based or percentage fees depending on account type.
Main office
120 N. Bridge Street, Suite A
Linden MI 48451
Advisors at this office
4
Most active in
Arizona · California · Colorado · Florida · Illinois · Michigan · Missouri · New Jersey · North Carolina · South Carolina · Tennessee · Texas · Virginia · Wyoming
Also doing business as
Rachor Financial · Rachor Investment Advisory Services Incorporated · Rachor Investment Advisory Services Ltd LLC · Rachor Investment Advisory Services Ltd., L.L.C. · Rachor Investment Advisory Services, L.L.C. · Rachor Investment Advisory Services, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Kristine S
ChFC®
Linden, MI
Rachor Investment Advisory Services, LLC
Kristine Sherwood is a ChFC® at Rachor Investment Advisory Services, LLC with 6 years of industry experience. She has been with Rachor Investment Advisory Services since 2009. Rachor Investment Advisory Services serves individual and high-net-worth clients, trusts, qualified retirement plans, charitable organizations, and privately held businesses, managing approximately $205 million in discretionary assets. The firm offers portfolio management through diversified and concentrated strategies, financial planning, and plan-level fiduciary services, and is notable for its Michigan public accounting firm license and integration of accounting support within its advisory services.
Tod F
CFP®
Linden, MI
Rachor Investment Advisory Services, LLC
Tod Fisher is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Rachor Investment Advisory Services, LLC since 2007. Outside of his advisory role, he is a general partner and drummer in a band called After It All. Rachor Investment Advisory Services manages approximately $205 million in discretionary assets for individual and high-net-worth clients, trusts, qualified retirement plans, charitable organizations, and privately held businesses. The firm offers portfolio management through diversified and concentrated strategies, financial planning, and fiduciary services, supported by its unique combination of investment management and limited accounting capabilities through CPA leadership.
Patricia W
CFP®
Linden, MI
Rachor Investment Advisory Services, LLC
Patricia Walton is a CFP® professional with 17 years at Rachor Investment Advisory Services, LLC and a total of 10 years of industry experience. She has worked exclusively at Rachor since 2009. Rachor Investment Advisory Services provides personalized discretionary and non-discretionary investment advisory services to individuals, trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs an evidence-based Diversified Strategy primarily using ETFs and mutual funds, alongside a Concentrated Strategy involving third-party private money managers, and also offers financial planning services including lifetime cash-flow projections at no additional charge.
Bethany Y
ChFC®
Linden, MI
Rachor Investment Advisory Services, LLC
Bethany Yerk is a financial advisor at Rachor Investment Advisory Services, LLC and holds the ChFC® designation. She has 1 year of industry experience and has been with Rachor Investment Advisory Services since 2016. Rachor Investment Advisory Services provides personalized discretionary and non-discretionary investment advisory services to individuals, trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs both a Diversified Strategy, focused on ETFs and mutual funds, and a Concentrated Strategy using third-party private money managers, offering financial planning services including lifetime cash-flow projections at no additional charge.
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