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RBG Wealth Advisors LLC

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RBG Wealth Advisors LLC

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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/

10/30/2026

Halloween brings plenty of ghost stories. Financial planning has a few of its own:

👻 “I haven’t looked at my 401(k) allocation since I set it up.”
👻 “I don’t actually know what our retirement spending would look like.”
👻 “My spouse and I have never talked about what happens if one of us can’t make financial decisions.”

The scary part isn’t the unknown. It’s discovering a planning issue when you no longer have time to address it thoughtfully.

What financial “ghost story” would you add to the list?

10/28/2026

If a long-term care need arose in your family next year, how would your current financial plan handle it?

According to the U.S. Department of Health and Human Services, someone turning 65 today has almost a 70% chance of needing some type of long-term care. The care might happen at home, through assisted living, or in a nursing facility, and the way you choose to pay for it can affect the rest of your financial plan.

Insurance is one option. Using personal assets is another. Family support, housing decisions, and other resources may also play a role.

There's no single right answer. What matters is whether you’ve considered what you would want, what you could afford, and how that decision fits with the rest of your plan.

If long-term care has not been part of your financial planning conversations, let’s talk it through: https://rbgwa.com/contact-us/

10/26/2026

Writing a check to charity uses after-tax dollars. Giving directly from your IRA uses pretax dollars that are never counted as income.

A qualified charitable distribution (QCD) allows IRA owners age 70 1⁄2 and older to send money directly from an eligible IRA to a qualified charity. When the requirements are met, the distribution can be excluded from taxable income and can count toward your required minimum distribution for the year.

There are specific rules to follow, including the requirement that the funds move directly from the IRA to the charity. QCDs are only available from IRAs, not 401(k)s or other employer plans.

If charitable giving is already part of your financial plan, a QCD may be a strategy to discuss before making your next gift.

10/23/2026

If something happened to you next month, would your adult children know where to start?

A conversation about the family's financial plan does not have to be complicated, but a few starting points can make a difference when the time comes:

Do they know who your attorney, CPA, and advisor are, and how to reach them? Do they know where the key documents live? Do they understand the broad intentions behind the plan, even without every number attached?

In our experience, families who have had even a partial version of this conversation tend to handle a transition with less confusion than families who have not.

10/21/2026

For business owners, year-end tax planning involves more than looking at this year’s profit and loss statement.

Before December 31, take a few minutes to review the four areas in this checklist. Decisions in one area can affect the others, which is why tax planning works best when business, personal, and retirement decisions are considered together.

Schedule a planning conversation with our team today: https://go.rbgwa.com/scheduler

10/19/2026

If you were unable to make a decision for yourself tomorrow, who would be legally authorized to make it for you?

Estate Planning Awareness Week is a good reminder to check three documents that often get overlooked:

1. Durable power of attorney: Allows someone you trust to manage financial matters if you cannot act for yourself

2. Healthcare directive: Documents your medical wishes and names someone to advocate for you if you cannot make or communicate those decisions

3. HIPAA authorization: Allows your doctors to share medical information with the people you name, so they have what they need to follow your wishes and make decisions for you

A will addresses what happens after death. These documents address what happens while you’re still living but unable to act.

If you’re unsure whether these documents are current or how they fit into your broader estate plan, connect with our team: https://rbgwa.com/contact-us/

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.

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.

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.

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

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

http://www.rbgwa.com/, https://www.linkedin.com/company/rbg-wealth-advisors-llc/

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