RAI Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
RAI Wealth Management serves individual investors — including high‑net‑worth clients — as well as trusts, estates, charitable organizations, and employer‑sponsored retirement plans, offering discretionary investment management, financial planning, consulting, and accommodations for non‑managed accounts. The firm oversees about $160 million in client assets across a small advisory team and delivers ongoing monitoring and periodic client reviews.
The firm’s investment approach centers on diversified portfolios built primarily with mutual funds and ETFs for long‑term growth, with regular rebalancing and an emphasis on no‑load or equivalent funds. RAI uses third‑party model portfolios and tax‑management tools from a model marketplace, implements defensive and dollar‑cost‑averaging techniques when appropriate, and maintains legacy allocations to independent managers for transitioned accounts.
What is distinctive is RAI’s operational and referral structure: it has an ongoing affiliation with another registered investment adviser (Gregory Advisors Incorporated) and continues to transition that adviser’s clients to RAI, with the other adviser’s principal serving as an investment‑adviser representative of RAI — a relationship the brochure discloses and which is uncommon among peers. The firm also participates in platform and referral arrangements with custodians and model providers and retains legacy independent‑manager relationships for some clients, creating documented referral and platform dynamics for prospective clients to consider.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Flat fee basis for consulting services depending on scope and complexity, minimum $500
$0 - $50,000: 1.25% $50,001 - $100,000: 1.20% $100,001 - $250,000: 1.00% $250,001 - $500,000: 0.75% $500,001 - $1,000,000: 0.65% $1,000,000+: 0.55%
$200 per hour for financial planning and consulting services
Account minimum: $50,000 Minimum fee: $500 minimum fee for financial planning; $500 minimum initial charge for consulting services; account maintenance fee for non-managed accounts not to exceed $1,000 annually Fee-only: Hourly rate of $200 per hour for financial planning and consulting services
Main office
151 N. Kraemer Blvd., Suite 105
Placentia CA 92870
Advisors at this office
3
Most active in
Arizona · California · Colorado · Texas
Also doing business as
Rai Wealth Management · Richey Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Quick links
Advisors at this firm
Terri G
Series 63, Series 65
Placentia, CA
RAI Wealth Management
Terri Grassi is a financial advisor at RAI Wealth Management with 16 years of industry experience. She holds the Series 63 and Series 65 credentials and has previously worked at Munson, Cronick & Associates, LLP Certified Public Accountants, her own CPA practice, and Richey Advisors, Inc. RAI Wealth Management serves individual investors, trusts, estates, charitable organizations, and employer-sponsored retirement plans, providing discretionary investment management, financial planning, and consulting. The firm focuses on diversified portfolios using mutual funds and ETFs, employs tax-management tools, and maintains relationships with independent managers and other advisory firms to deliver comprehensive services.
James R
CFP®
Placentia, CA
RAI Wealth Management
James Ripley is a CFP® professional with 34 years of experience in financial advising. He has been with RAI Wealth Management and its predecessor entities since 1992 and previously worked with Gregory Advisors, Inc. from 2020 to 2026. RAI Wealth Management serves individual investors, trusts, estates, charitable organizations, and employer-sponsored retirement plans, providing discretionary investment management, financial planning, and consulting services. The firm manages approximately $160 million in client assets, focusing on diversified portfolios primarily made up of mutual funds and ETFs, with an emphasis on tax management and regular portfolio rebalancing.
Angel M
CFP®, Series 65
Placentia, CA
RAI Wealth Management
Angel Mendez is a CFP®-designated financial advisor at RAI Wealth Management with three years of industry experience. Prior to joining RAI Wealth Management in 2023, he worked at Gregory Advisors, Inc. and operated Angel Mendez Landscaping. RAI Wealth Management serves individual investors, trusts, estates, charitable organizations, and employer-sponsored retirement plans, managing approximately $160 million in client assets. The firm utilizes diversified portfolios focused on mutual funds and ETFs, employs third-party model portfolios and tax-management tools, and maintains unique referral and operational affiliations with other advisers.
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