Herndon, VA Office

Rainey & Randall Wealth Advisors provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, and also serves ERISA-qualified retirement plans in a limited-scope 3(21) fiduciary role. Services described in the brochure include customized asset-allocation-based portfolio management, financial planning, and participant education for retirement plans.

The firm’s investment approach centers on diversified allocations using ETFs, mutual funds, and a mix of equities and fixed income tailored via client questionnaires and risk profiles, with implementation informed by modern portfolio theory and asset-allocation models. The brochure also discloses that certain strategies may involve options and other derivatives, and it details protocols around the use of leverage, margin interest, and covered-option trading when appropriate to a client’s objectives.

What distinguishes the firm is its scale relative to team size — managing roughly $918 million across a four-advisor team, which yields an unusually high AUM per advisor for this firm type — and its disclosed non-investment activities: a principal is a licensed life/health/annuity insurance agent who may receive commissions, and the firm’s materials explicitly address the related conflict-of-interest considerations. The brochure further notes nuanced positions on borrowing and leveraged instruments (including disclosure of margin-related costs and a stated policy on leveraged/inverse ETFs), which may be more prominent than at many comparable advisory teams.