Rhame & Gorrell Wealth Management

Rhame & Gorrell Wealth Management Fiduciary Wealth Management and Corporate Benefits Consultation in The Woodlands, TX

Headquartered in The Woodlands, Texas and with clients around the globe, Rhame & Gorrell Wealth Management is a fee-only Registered Investment Advisory firm serving high net-worth clients. 85% of the individuals and families we serve come from the energy sector, primarily ExxonMobil executives. We have a wealth of expertise in the ExxonMobil Savings and Pension Plans and have helped thousands of e

mployees retire successfully. With 14 full-time professionals, we are able to handle the most complex financial planning situations. We work alongside other professionals to offer our clients tax optimization, charitable planning, estate conservation and transfer, and investment management.

09/03/2026

The Mega Backdoor Roth is one of the most potentially lucrative tax strategies available within the AMD Retirement Savings Plan.

Eligible AMD employees can contribute beyond the standard IRS limits through the After-Tax account, then convert those dollars into Roth, where future growth can be distributed tax-free in retirement. For high earners, this can mean tens of thousands of additional Roth dollars each year.

In this video, we cover how the strategy works within the AMD RSP, how each contribution type is taxed, and the Pro Rata Rule considerations that apply when converting existing After-Tax balances.

Cydney Nash, CFP®, CIMA®, answers questions involving:
• What the Mega Backdoor Roth is
• How Pre-Tax, Roth, and After-Tax accounts differ
• How the After-Tax to Roth conversion works
• The Pro Rata Rule and when it applies
• The potential tax benefits
• And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

Schedule a Complimentary Consultation:
https://rgwealth.com/get-started/

08/28/2026

BP employees have access to a valuable retirement benefit funded entirely by the company: the BP Retirement Accumulation Plan, also known as the RAP.
The RAP is a cash balance pension plan, which blends features of a traditional pension and a 401(k). Your account grows over time through pay credits and interest credits, and once you separate from service, you choose how to receive the benefit.

In this video, we cover how the RAP builds your benefit, the distribution options available to you, and the considerations that go into choosing between a lump sum and an annuity.

Kyle Nickerson, CFP®, CIMA®, answers questions involving:
• What the BP Retirement Accumulation Plan is
• How pay credits and interest credits work
• When you can access your benefit
• Lump sum vs. annuity options
• How segment rates can affect your lump sum
• The potential tax implications
• And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

The S&P 500 continues to trade near its all-time high, holding up well against a more complicated backdrop. Three develo...
08/21/2026

The S&P 500 continues to trade near its all-time high, holding up well against a more complicated backdrop. Three developments have tested that momentum without derailing it: the ceasefire between the U.S. and Iran has expired and left the Strait of Hormuz effectively closed with oil prices elevated, Treasury yields have climbed to a 19-year high, and the labor market has shown signs of cooling. Corporate earnings have provided the counterweight, with S&P 500 companies on pace for a seventh straight quarter of double-digit growth.

Get the full picture from Chief Investment Officer David Hunter, CFA using the link below:

https://rgwealth.com/market-thoughts/market-update-august-2026/

08/13/2026

The Google 401(k) Plan allows eligible employees to contribute beyond the standard IRS limits through the After-Tax account, then convert those dollars into the Roth account, where future growth can be distributed tax-free in retirement. For high earners, this can mean tens of thousands of additional Roth dollars each year.

In this video, we cover how the strategy works within the Google 401(k), how each contribution type is taxed, and the Pro Rata Rule considerations that apply when converting existing After-Tax balances.

Tyler Miller, CPA/PFS, CFP®, CIMA® answers questions involving:
- What the Mega Backdoor Roth is
- How Pre-Tax, Roth, and After-Tax accounts differ
- How the After-Tax to Roth conversion works
- The Pro Rata Rule and when it applies
- The potential tax benefits
- And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

08/06/2026

For high-performing ExxonMobil employees, Restricted Stock Units (RSUs) can be a valuable component of your overall compensation package. ExxonMobil's vesting schedule is unusual, with half of each grant vesting three years out and the other half at seven years, and that timeline shapes both your tax bill and your exposure to a single stock. In our latest strategy video, we break down the key factors to help you navigate your RSUs with confidence.

Kyle McClain, CFP®, CIMA®, answers questions involving:

- What RSUs are
- The 3-year and 7-year vesting schedule, and what happens to unvested shares if you retire
- Key terms to understand (grant date, vest date, cost basis)
- How ExxonMobil RSUs are taxed at vest and at sale
- Why the default 22% withholding may leave you short at tax time
- Managing single-stock concentration risk when your Pension and low-basis shares are already tied to ExxonMobil
- And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

07/30/2026

Apple employees have access to an Employee Stock Purchase Plan (ESPP) that can deliver an effective discount well beyond the standard 15%. Understanding how the plan's lookback provision works, and how the shares are taxed once sold, can make a meaningful difference in the value employees ultimately capture.

In this video, we cover the mechanics of Apple's ESPP, including contribution limits, the six-month lookback, and the holding requirements that determine whether gains are taxed as ordinary income or at long-term capital gains rates.

Austin Manning, CFP®, answers questions involving:
-What an ESPP is
- Apple's specific plan mechanics
- How the six-month lookback provision works
- How ESPP shares are taxed at sale
- Qualifying versus disqualifying dispositions
- Single-stock concentration risk and tax-efficient diversification strategies
- And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

The S&P 500 has spent the past two months consolidating after a sharp run higher, and currently sits below where it clos...
07/23/2026

The S&P 500 has spent the past two months consolidating after a sharp run higher, and currently sits below where it closed in May. Three developments have driven that shift: the ceasefire between the U.S. and Iran has broken down and effectively re-closed the Strait of Hormuz, mounting capital expenditure concerns have pulled AI and semiconductor stocks into correction territory, and Federal Reserve Chair Kevin Warsh has held a hawkish line as inflation ticks back up. Corporate earnings have provided a counterweight, with S&P 500 companies on pace for a second straight quarter of earnings growth above 20%.

Get the full picture from Chief Investment Officer David Hunter, CFA using the link below:

https://rgwealth.com/market-thoughts/market-update-july-2026/

We're proud to share that Rhame & Gorrell Wealth Management has been named a 2026 InvestmentNews Excellence Awardee in t...
07/16/2026

We're proud to share that Rhame & Gorrell Wealth Management has been named a 2026 InvestmentNews Excellence Awardee in the RIA Team of the Year category.

Excellence Awardees are selected through a multi-stage process that includes nominations, independent research, and evaluation by a panel of industry judges. The category recognizes RIA teams for the strength and depth of their advisory practice, and we're grateful to be included alongside such a strong group of firms from across the country.

Ranking Methodology & Disclosures: https://rgwealth.com/disclosure/

07/09/2026

Employees holding highly appreciated company stock inside a 401(k) Plan may have access to one of the most valuable tax strategies in the Internal Revenue Code: Net Unrealized Appreciation, or NUA. NUA allows the appreciation on those shares to be taxed at long-term capital gains rates instead of ordinary income rates when the stock is sold. For employees with significant low-basis stock, this can amount to meaningful tax savings.

In this video, Clayton Hostetter, CPA/PFS, CFP®, CIMA®, FRC℠ answers questions involving:

- What Net Unrealized Appreciation is
- How NUA compares to a standard IRA rollover
- The eligibility requirements for NUA treatment
- How the tax savings are calculated
- The rules for transferring company stock in-kind
- And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

07/01/2026

NVIDIA employees often see Restricted Stock Units (RSUs) make up a large share of their total compensation. The decisions employees make around vesting, taxes, and diversification can carry significant weight.

In this video, we cover how NVIDIA's vesting schedule works, how RSUs are taxed at vest and again when sold, and the concentration risk that comes with holding a large position in a single stock.

Cydney Nash, CFP®, CIMA®, answers questions involving:

- What RSUs are and how they differ from stock options
- How NVIDIA's vesting schedule works
- How RSUs are taxed at vest and at sale
- The risk of company stock concentration
- Strategies for diversifying without a large tax hit
- And much more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

Address

1330 Lake Robbins Drive, Suite 360
The Woodlands, TX
77380

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4pm

Telephone

+18327891100

Website

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