Charlotte, NC Office

RFG Advisory provides investment advisory and planning services to a broad client mix that includes individual and high‑net‑worth investors, retirement plans and plan participants, and select institutional clients such as investment companies and state or municipal government entities. Services described in the brochure include discretionary portfolio management, financial planning and consulting, retirement plan consulting, referrals to third‑party money managers, sub‑advisory services to exchange‑traded funds, and access to alternative investments and annuity platforms.

The firm’s investment delivery is primarily discretionary and leverages a range of model strategies and third‑party platforms: firm‑managed Bluemonte model portfolios (ETF and mutual‑fund based), direct indexing, SMArtX and other manager marketplaces, and participant‑facing retirement technology such as Pontera and Aspire for employer‑sponsored accounts. RFG also conducts ongoing supervisory and compliance oversight of affiliated and third‑party managers and states its role as an ERISA fiduciary when advising retirement accounts or plan sponsors.

Several features in the brochure distinguish RFG from many multi‑team peers: it acts as sub‑adviser to multiple Bluemonte ETFs and may invest client assets in those funds, it expressly serves investment company clients and state/municipal clients (both noted as less common among peers), and many advisors on the platform are also licensed to sell insurance products and use annuity management platforms. The firm further offers curated access to private and structured investments through providers such as iCapital/CAIS, supports 10b5‑1 trading plans and consolidates various services via custodial relationships and platform arrangements, with disclosures in the brochure about resulting conflicts and mitigation practices.