Investment Management Services in Argyle & Denton County

At RFG Wealth Advisory, we believe investing should be accessible to everyone, regardless of experience or net worth. Whether you’re new to investing or have an established portfolio, we aim to make investment management clear and approachable.

We specialize in using Exchange Traded Funds (ETFs) to build portfolios designed to help you capture the market’s potential while keeping costs low and strategies simple. We’re here to guide you every step of the way, making sure that your investment journey aligns with your financial goals.

The ETF’s we primarily use are:

Low Cost:

  • Low-Cost ETFs: We use index ETFs like Vanguard and iShares to minimize fees.

  • No Trading Costs: With custody at Charles Schwab & Co., Inc., there are no trading costs for ETFs and stocks.

  • Market Impact: Lower costs can greatly affect your investment returns, especially in unpredictable markets.

  • Research Insight: Studies show that investments with lower fees often outperform those with higher costs. By focusing on cost-efficient investments, you can retain more of your returns, leading to potential long-term growth.

  • Cost Control: While market movements are unpredictable, managing what you pay to invest can make a significant difference over time.

Passive Indexing:

  • Index funds can be an excellent value for investors trying to keep expenses low and profits high.

  • The market’s pricing power works against mutual fund managers who try to outperform through stock picking or market timing. As evidence, only 22% of US equity mutual funds and 10% of fixed income funds have survived and outperformed their benchmarks over the past 20 years. (Dimensional Fund Advisors – Mutual Fund Landscape 2020)

**ETF’s trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF’s net asset value (NAV).  Upon redemption, the value of fund shares may be worth more or less than their original cost.  ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.

*** Harbron, Garrett L., Daren Roberts and Jeffrey Johnson, 2016. The case for low-cost index-fund investing. Valley Forge, Pa.: The Vanguard Group

Diversified:

  • Index funds offer one way to achieve broad diversification and can be easily positioned to help meet your risk and return requirements.

  • Holding securities across many market segments can help manage overall risk. But diversifying within your home market may not be enough. Global diversification can broaden your investment universe. 

  • A sound investment strategy starts with an asset allocation suitable for the portfolio’s objective. (Vanguard – Principles for Investing Success)

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.  International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investor

Tax-Efficient:

  • Tax efficiency is an important consideration for many investors. The tax efficiency of any portfolio is strongly related to the investment approach. 

  • Our ETF** portfolios are designed to be broadly diversified with lower turnover. That design inherently lends itself to a higher degree of tax efficiency.
01
Low Cost:
  • Low-Cost ETFs: We use index ETFs like Vanguard and iShares to minimize fees.

  • No Trading Costs: With custody at Charles Schwab & Co., Inc., there are no trading costs for ETFs and stocks.

  • Market Impact: Lower costs can greatly affect your investment returns, especially in unpredictable markets.

  • Research Insight: Studies show that investments with lower fees often outperform those with higher costs. By focusing on cost-efficient investments, you can retain more of your returns, leading to potential long-term growth.

  • Cost Control: While market movements are unpredictable, managing what you pay to invest can make a significant difference over time.
02
Tax-Efficient:
  • Tax efficiency is an important consideration for many investors. The tax efficiency of any portfolio is strongly related to the investment approach. 

  • Our ETF** portfolios are designed to be broadly diversified with lower turnover. That design inherently lends itself to a higher degree of tax efficiency.
03
Passive Indexing:
  • Index funds can be an excellent value for investors trying to keep expenses low and profits high.

  • The market’s pricing power works against mutual fund managers who try to outperform through stock picking or market timing. As evidence, only 22% of US equity mutual funds and 10% of fixed income funds have survived and outperformed their benchmarks over the past 20 years. (Dimensional Fund Advisors – Mutual Fund Landscape 2020)
04
Diversified:
  • Index funds offer one way to achieve broad diversification and can be easily positioned to help meet your risk and return requirements.

  • Holding securities across many market segments can help manage overall risk. But diversifying within your home market may not be enough. Global diversification can broaden your investment universe. 

  • A sound investment strategy starts with an asset allocation suitable for the portfolio’s objective. (Vanguard – Principles for Investing Success)

**ETF’s trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF’s net asset value (NAV).  Upon redemption, the value of fund shares may be worth more or less than their original cost.  ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.

*** Harbron, Garrett L., Daren Roberts and Jeffrey Johnson, 2016. The case for low-cost index-fund investing. Valley Forge, Pa.: The Vanguard Group

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.  International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investor

The Consequences of Indecision

Inflation Reduces Value

Holding onto cash might seem safe, but with rising inflation, the value of your savings can decrease over time. A 3% inflation rate can cut purchasing power significantly, impacting long-term financial security.

Delayed Investment

Waiting to invest can cost you valuable growth opportunities. Starting even a decade later can result in accumulating significantly less than those who begin investing earlier, despite similar annual contributions.

Reactive vs. Proactive

Market downturns are inevitable, but adopting a proactive investment strategy helps shield your portfolio against these fluctuations, securing your financial future.

Not sure where to start? Our team can help you develop a strategy to ensure you’re not left behind.

Focus on what you can control:

Create an investment plan to fit your needs and risk tolerance

Diversify globally

Manage Expenses, turnover, and taxes

Stay disciplined through market dips and swings

Why Choose RFG?

Local Market Expertise

Our deep understanding of the Argyle and Denton County market allows us to provide investment solutions that are relevant and effective. We work closely with you to develop an investment strategy that is designed to meet your individual needs.

Experienced Guidance

Benefit from the expertise of seasoned professionals who understand market complexities and strive to maximize your returns.

Personalized Strategies

We create personalized investment plans that align with your unique financial goals and risk tolerance.

Proactive Management

We take a proactive approach to managing your portfolio, ensuring you stay on track through market ups and downs.

Get professional guidance and a personalized investment strategy that aligns with your goals. Contact us today for a consultation, and let us help you make informed decisions for a more secure financial future.

Free Assessment

  1. What is your PRS score? Are you on track?
  2. Fee breakdown. How much are you currently paying for your investments?
  3. Performance review. Can your investments be improved?

“These materials have been independently produced by RFG Wealth Advisory. RFG Wealth Advisory is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. RFG Wealth Advisory provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.”

Investment advice offered through RFG Wealth Advisory, a registered Investment advisor. FINRA/SIPC.


The LPL Finanical registered representatives associated with this website may discuss and/or transact business only with residents in the states in which they are properly registered or licensed.  No offers may be made or accepted from any resident of any other state.

130 Old Town Blvd S # 100,
Argyle, TX 76226,
Tel: (940) 464-410

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