RBG Wealth Advisors LLC

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RBG Wealth Advisors LLC At RBG Wealth Advisors, we help clients grow and protect their wealth to create lasting legacies. Our purpose is to help our clients live a rich life.

Our team of CFP® professionals and CPAs delivers trusted, personalized guidance for every stage of life. At RBG Wealth Advisors, our mission is to help clients grow and protect a lifetime of assets so they can reach their goals and create lasting legacies. RBG Wealth Advisors is a locally owned, independent, fee-only, Registered Investment Advisory (RIA) firm committed to helping clients grow and protect a lifetime of assets in service of their financial goals. Successful wealth management requires a fully integrated approach that links all facets of your financial landscape. That’s why we operate in a strategic partnership with RBG PLC, an accounting firm with a reputation of providing exceptional professional services for more than 100 years. RBGWA’s leading executives are CERTIFIED FINANCIAL PLANNER™ practitioners and certified public accountants, shaping the best guidance of both professions to your wealth advisory experience. Our wider team of investment specialists strive to deliver a quality, boutique financial services experience. To get in touch, call (901) 244-2980, email [email protected], or visit https://rbgwa.com/

Turning 73 changes the rules on your retirement accounts, whether you need the money or not.Once you reach that age, the...
10/16/2026

Turning 73 changes the rules on your retirement accounts, whether you need the money or not.

Once you reach that age, the IRS requires you to begin withdrawing a minimum amount each year from most retirement accounts, based on the account balance and your life expectancy. If you miss the deadline, the penalty is steep. There is an opportunity to delay the first RMD, but that means two distributions in the following tax year.

The withdrawal itself is usually straightforward. What takes more thought is how it interacts with the rest of your income, since a large distribution can push you into a higher tax bracket or affect what you pay for Medicare down the road.

Before year-end, take a closer look at your taxable investment accounts.- Which positions are currently below their cost...
10/14/2026

Before year-end, take a closer look at your taxable investment accounts.

- Which positions are currently below their cost basis?

- Could realizing those losses offset capital gains elsewhere in the portfolio, or up to $3,000of ordinary income, with unused losses carried forward?

- Are you accounting for the wash-sale rule, including purchases made in other accounts such as IRAs or a spouse’s accounts?

- If you sell an investment, where will those proceeds go next?

Tax-loss harvesting can be useful, but the tax benefit is only one part of the decision. The investment strategy, timing, and what you plan to do with the proceeds should all factor in.

Markets and tax laws change frequently. Income, family circumstances, and priorities change too.A financial plan should ...
10/12/2026

Markets and tax laws change frequently. Income, family circumstances, and priorities change too.

A financial plan should account for that.

That’s why RBG Wealth Advisors approaches planning as an ongoing process, rather than a one-time meeting. We revisit your plan as life changes, coordinate the moving pieces, and adjust when the circumstances call for it.

Your investment strategy, tax planning, estate plan, and business interests can each look sound on their own. The questi...
10/09/2026

Your investment strategy, tax planning, estate plan, and business interests can each look sound on their own. The question is whether they still work together when circumstances change.

A tax decision can affect an estate plan. An estate decision can change how assets are invested or passed to the next generation. A business transition can affect both.

That coordination becomes increasingly important as financial decisions span multiple generations.

RBG Wealth Advisors bring investment, tax, estate, and business considerations into the same planning conversation, helping families look at the full picture rather than separate pieces.

If your financial life has become more complex, schedule a conversation with our team: https://go.rbgwa.com/scheduler

Want to help pay for a grandchild’s education? A 529 plan does a few things for grandparents that most other gifts don't...
10/07/2026

Want to help pay for a grandchild’s education? A 529 plan does a few things for grandparents that most other gifts don't.

You keep control. You own the account, choose the investments, and can change the beneficiary to another family member if plans change.

The money leaves your estate. Contributions are generally treated as completed gifts, even though you still control the account.

You can give more at once. A special election lets you front-load five years of annual exclusion gifts in a single year, up to $95,000 per grandchild in 2026 (190,000 for a married couple).

Last, it no longer hurts financial aid. Under the simplified FAFSA, distributions from a grandparent-owned 529 aren't reported as the student's income.

The right approach depends on the family.

- How many grandchildren are you helping?
- Do you want to retain control of the funds?
- How does the gift fit with your broader estate plan?

If you’re considering education gifts as part of your broader financial or estate plan, connect with our team to discuss how the pieces fit together: https://rbgwa.com/contact-us/

Your business may be built around you, but your financing shouldn’t be.A business owner’s personal guarantee or line of ...
10/05/2026

Your business may be built around you, but your financing shouldn’t be.

A business owner’s personal guarantee or line of credit can put personal assets on the line. What happens if you’re no longer able to manage the business or meet the terms of an agreement?

Reviewing debt, guarantees, ownership documents, insurance, and succession plans can reveal where your business and personal finances are more connected than you realized.

For business owners, that kind of coordination is part of comprehensive financial planning. Our team at RBG Wealth Advisors brings tax, investment, estate, and business considerations into the same conversation, so decisions are made with the full picture in view.

If your parents got a call tomorrow claiming to be a grandchild in trouble, would they know what to check before sending...
10/02/2026

If your parents got a call tomorrow claiming to be a grandchild in trouble, would they know what to check before sending money?

Financial scams targeting older adults rely on speed and emotion, not sophistication. The caller creates a sense of urgency, discourages a second opinion, and asks for payment via gift cards, wire transfers, or cryptocurrency, since those are the hardest to reverse.

A simple family rule helps more than most technology does: no financial decision should be made on the same call it was requested. Hang up, verify independently, then act.

As family wealth grows, financial decisions tend to become more interconnected.Investment choices can affect taxes. Busi...
09/30/2026

As family wealth grows, financial decisions tend to become more interconnected.

Investment choices can affect taxes. Business decisions can influence the family's broader financial picture. Estate planning can shape how assets move from one generation to the next.

For families managing significant wealth, having these pieces considered together can make the planning process more cohesive and help keep financial decisions aligned with their priorities.

At RBG Wealth Advisors, we coordinate investment management and tax strategy under one roof, giving families a connected approach to managing their wealth today and planning for the future.

If you're looking for a more coordinated approach to your family's financial life, schedule a conversation with our team: https://rbgwa.com/contact-us/

What do the following have in common? Your favorite athlete's investment strategy. The influencer who just discovered th...
09/28/2026

What do the following have in common? Your favorite athlete's investment strategy. The influencer who just discovered the next hot stock. The advice you got from an AI chatbot.

None of them were built around your financial life.

Herd behavior pulls investors toward whatever is trending or being promoted loudly enough to feel like consensus, and confirmation bias keeps you there long after the evidence has shifted. Together, they are two of the most common and costly patterns in investor decision-making.

At RBG Wealth Advisors, we help clients filter the noise, look at the facts objectively, and make decisions grounded in their own financial picture rather than someone else's.

Navigating a major inheritance is a deeply personal experience. Rather than rushing into immediate action, there’s real ...
09/25/2026

Navigating a major inheritance is a deeply personal experience. Rather than rushing into immediate action, there’s real value in slowing down.

Before making key financial moves, it helps to focus on a few core priorities:

→ Assess the tax implications: Different categories of inherited assets carry distinct tax treatments.
→ Evaluate your broader plan: Determine how this change affects your existing asset allocation, insurance needs, and estate documentation.
→ Address family dynamics: Engage in open conversations about any expectations or relational considerations surrounding the inherited assets.

Ultimately, families who successfully incorporate inherited wealth are those who give themselves permission to pause and work through each step deliberately.

Address

5100 Wheelis Drive Suite 211
Memphis, TN
38117

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19012442980

Website

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