# RBS Wealth Management

> RBS Wealth Management is an SEC-registered investment advisory firm in Alto, MI, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 24, 2026.

- CRD: 336536
- Filed as: RBS WEALTH MANAGEMENT
- Legal name: RBS Wealth Management, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Alto, MI
- Filing period: October 2026
- Form ADV filing dated: March 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/336536
- AdvisorCensus page: https://advisorcensus.com/firm/rbs-wealth-management-alto-mi-336536

## Quick answers

**How is RBS Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), RBS Wealth Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does RBS Wealth Management charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Flat fee: up to $5,000 (financial planning services only); Hourly rate: up to $300 an hour (financial planning services only). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is RBS Wealth Management located?**
RBS Wealth Management's principal office is in Alto, MI, according to its Form ADV.

**Is RBS Wealth Management registered with the SEC or a state?**
RBS Wealth Management is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 336536.

**How much does RBS Wealth Management manage?**
RBS Wealth Management reports $322,324,114 in regulatory assets under management in its Form ADV filing dated March 24, 2026 (98% discretionary).

**How have RBS Wealth Management's assets and staff changed since 2025?**
In the Form ADV data for RBS Wealth Management: Regulatory assets under management: $0 in the October 2025 data and $322,324,114 in the October 2026 data. Total employees: 5 in October 2025 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does RBS Wealth Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (377); high net worth individuals (91); charitable organizations (2).

**Which custodians does RBS Wealth Management use?**
RBS Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does RBS Wealth Management report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/336536

**Does RBS Wealth Management state an account minimum?**
Its Form ADV Part 2A brochure dated March 24, 2026 says: "RBS imposes a minimum portfolio size of $250,000 to open an account. However, RBS does reserve the right to accept or decline a potential client for any reason in its sole discretion."

**What changed in RBS Wealth Management's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 3 to 2. Registered or notice-filed in CA, FL, IN.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> RBS imposes a minimum portfolio size of $250,000 to open an account. However, RBS does reserve the right to accept or decline a potential client for any reason in its sole discretion.

- Flat fee: up to $5,000 (financial planning services only)

> Clients that are receiving financial planning services only are charged a fixed fee ranging up to $5,000, depending upon the complexity of a client’s plan and services provided.

- Hourly rate: up to $300 an hour (financial planning services only)

> In the alternative clients that are receiving financial planning services only may be charged an hourly fee rate up to $300.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $322,324,114
- Discretionary: $314,579,034
- Non-discretionary: $7,745,080

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 377 | $89,019,328 |
| High net worth individuals | 91 | $231,058,187 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 2 | $2,136,042 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 2 | $110,557 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2025 (1 year)
- Employees: 6 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, IN, MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- rbswealthmgt.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $0 | 5 | April 29, 2025 |
| October 2026 | $322,324,114 | 6 | March 24, 2026 |

Regulatory assets under management: $0 in the October 2025 data and $322,324,114 in the October 2026 data.
Total employees: 5 in October 2025 and 6 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 3 to 2.
- Registered or notice-filed in CA, FL, IN.

### December 2025
- Regulatory assets under management went from $0 to $297,481,129.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. RBS Wealth Management (CRD 336536): Form ADV filing data as of October 2026.