Bob Agnew RFG Advisory

We aim to increase the value of your assets and leverage them so that you can live completely in the now and in the future.

Investing for Steady Income

Two Philosophies for Creating Retirement Income


There are opposing ideas about how to build a portfolio that will provide income to pay living expenses in your retirement years. The plan you use is an individual choice and should be made considering several factors. We will be pleased to present the pros and cons of each, as they apply to your goals and all your assets.


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Investing for Asset Growth

If you are more than five years away from retirement, you may still be more interested in increasing the value of your portfolio rather than creating an income stream from the assets. Our process starts with getting to know you through personal meetings and a comprehensive questionnaire. After learning all we can about your current financial life, your goals, and your personal feelings towards investing, we can begin assessing the best way to help you grow your assets.

Planning for Retirement

If you are near retirement or even already retired and need a better understanding of how you will financially navigate the future, our process starts with a detailed, comprehensive questionnaire so that we can get a full understanding of your liabilities (spending needs) and the total assets that you will be able to use to address those liabilities. After assessing your assets and liabilities, the third component of our retirement planning process is the construction of an investment portfolio that is designed to meet your specific non-discretionary and discretionary expenses. Our goal is to provide a comprehensive plan that will give you clarity, structure, and confidence in your financial life, so that you can use the assets that you have accumulated without fear of outliving the money.

Our Commitment to Exceeding Expectations

At our core, we believe the needs of our clients should always come first. The cornerstone is integrity, which translates to independent, objective advice for our clients. A commitment to quality is at the heart of our culture. This idea is intertwined into everything we do, and it is what sets Bob Agnew apart. Financial advisors are not all equal.

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Frequently Asked Questions

  • Can you tell me more about your company?

    Bob Agnew is an experienced financial advisor and part of the team at RFG Advisory LLC. Headquartered in Birmingham, Alabama, RFG Advisory LLC financial advisors number approximately 70, and are located across the U.S., from northern California to south Florida. Client assets are custodied at one of our custodians, Charles Schwab, Fidelity Investments, or TD Ameritrade.

  • How are your fees calculated?

    Bob Agnew is a fee-only, independent Registered Investment Advisor (RIA) that charges fees one of two ways-either annually based on the value of assets under advisement, or as a project-only consulting basis. Fees vary depending on total assets under advisement, or, in the case of consulting only, according to time spent. We do not charge transaction fees for buying and selling securities.

  • Do you have a specialty that will address my specific goals?

    Bob Agnew believes that most investors' primary investment objectives are either growing assets for their eventual retirement years, or are currently retired and are concerned with covering a portion of their spending needs with their investment portfolio. We address those two specific goals through detailed analysis of your current situation and then recommend investment strategies that will address your specific goals. 

  • How can I determine if you are a better match for me that my current advisor?

    You might consider us for a second opinion review of your current situation, beginning with a phone call or Zoom video and possibly followed by the steps listed under Getting Started which is shown at the top of the page

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