RAI Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
RAI Wealth Management provides discretionary investment management, financial planning, and consulting to individuals, high-net-worth clients, trusts and estates, employer‑sponsored retirement plans, and charitable organizations. Services include portfolio construction primarily using mutual funds and ETFs, retirement-plan advisory and participant education, and ongoing monitoring and review.
The firm pursues a long-term, total‑return approach implemented through strategic asset allocation, quarterly rebalancing, and the use of no‑load or load‑waived mutual funds and ETFs; it also offers financial planning and ad hoc consultations tied to client objectives. RAI supplements its in‑house management with third‑party model portfolios and tax‑management tools via a model marketplace and, on a legacy basis, allocates certain client assets to unaffiliated independent managers and may employ specialized products (for example, leveraged/inverse or interval vehicles) when considered appropriate.
Notable distinctions include an ongoing affiliation with another registered investment adviser that is transitioning client relationships to RAI, and continued accommodation of legacy accounts and manager arrangements from that transition. The firm also uses multiple custody platforms and participates in referral and model marketplace arrangements with outside providers, disclosures it maintains to address the resulting conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
Fixed/flat fees may be charged for consulting services based on scope and complexity, determined case-by-case
$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% $1,000,001+: 0.55%
$200 per hour for financial planning and consulting with a minimum fee of $500
Account minimum: $50,000 (SEI custodian); no minimum at Schwab and Altruist
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 Series 63 and Series 65 licenses and has previously worked at Munson, Cronick & Associates, LLP Certified Public Accountants and operated her own CPA practice. RAI Wealth Management serves individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm focuses on discretionary investment management primarily through mutual funds and ETFs, emphasizing asset allocation, long-term total-return strategies, and tailored risk profiles.
James R
CFP®
Placentia, CA
RAI Wealth Management
James Ripley is a CFP® with 33 years of experience in the financial industry. He has been with Richey Advisors, Inc. dba RAI Wealth Management since 2006 and also worked at Gregory Advisors, Inc. since 2020. RAI Wealth Management serves individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm emphasizes asset allocation and long-term total-return strategies primarily through mutual funds and ETFs, with discretionary management tailored to client risk profiles.
Angel M
CFP®, Series 65
Placentia, CA
RAI Wealth Management
Angel Mendez is a CFP® and holds a Series 65 license, currently serving as an advisor at RAI Wealth Management with three years of industry experience. Prior to joining RAI Wealth Management, he worked at Gregory Advisors, Inc. for one year. Outside of his advisory roles, he operated Angel Mendez Landscaping for three years. RAI Wealth Management provides discretionary investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts and estates, employer-sponsored retirement plans, and charitable organizations. The firm uses a long-term, total-return investment approach focusing on strategic asset allocation, quarterly rebalancing, and primarily no-load or load-waived mutual funds and ETFs.
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