Rainier Family Wealth provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, family office services, insurance, philanthropic planning, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Rainier Family Wealth reports 113 clients. They include 71 high-net-worth individuals, 34 individual clients, and 6 corporations and other businesses. Of its assets, 98.8% ($327M across 441 accounts) are managed with discretion; $4.02M across 5 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 30% | 4% |
| High-net-worth individuals | 63% | 88% |
| Pension and profit-sharing plans | 2% | 2% |
| Corporations and other businesses | 5% | 7% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 34 | $12.4M | 3.7% | $363K |
| High-net-worth individuals | 71 | $290M | 87.6% | $4.09M |
| Pension and profit-sharing plans | Fewer than 5 | $6.3M | 1.9% | $3.15M |
| Corporations and other businesses | 6 | $22.4M | 6.8% | $3.73M |
| Total | 113 | $331M | 100% | — |
- Clients
- 34
- Regulatory AUM
- $12.4M
- AUM share
- 3.7%
- Avg. per client
- $363K
- Clients
- 71
- Regulatory AUM
- $290M
- AUM share
- 87.6%
- Avg. per client
- $4.09M
- Clients
- Fewer than 5
- Regulatory AUM
- $6.3M
- AUM share
- 1.9%
- Avg. per client
- $3.15M
- Clients
- 6
- Regulatory AUM
- $22.4M
- AUM share
- 6.8%
- Avg. per client
- $3.73M
Total
- Clients
- 113
- Regulatory AUM
- $331M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Rainier Family Wealth charges 0.50%–1.00% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $500,000. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$5M | 0.80% |
| $5M–$10M | 0.65% |
| $10M and above | 0.50% |
Fee details and sources
Other fees
- Advice on accounts held elsewhere
- Ongoing advice and supervision on accounts that cannot move to the firm's recommended custodians is charged at 0.50% a year.
- Family Office Services
- Family office fees are an asset fee of 0.65% down to 0.30% a year, negotiable, or hourly at up to $500, or a flat fee up to $500,000 a year.
Jun Chea owns 75% or more of Rainier Family Wealth. The leadership team of Rainier Family Wealth includes Chief Investment Officer Michael Ruff, Chief Operating Officer Timothy Rhee and Chief Compliance Officer Jun Chea. It has 5 employees, 3 of them in advisory roles.
Leadership
- Timothy RheePartner and Chief Operating Officer, Wealth Advisor
- Jun CheaPartner and Chief Compliance Officer, Wealth Advisor
- Michael RuffPartner and Chief Investment Officer, Wealth Advisor
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
- Jun Stephen Chea
- Timothy Hoon Rhee
- Michael Robert Ruff
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Rainier Family Wealth, Inc.
Jun Chea
Control person · since August 2024
- Owns 10% to 25% of Rainier Family Wealth, Inc.
Michael Ruff
since April 2025
Rainier Family Wealth’s regulatory assets grew from $238M (April 2025) to $331M (June 2026); clients rose from 80 to 113 and employees from 4 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| June 2026 | $331M | 113 | 5 | 1 |
| April 2025 | $238M | 80 | 4 | 1 |
Besides its headquarters, Rainier Family Wealth has 0 offices, with 1 listed address in Washington.
Washington · 1 listed address
- 1102 Broadway Suite 312, TacomaHQ
Contact and registration details
- Legal name
- Rainier Family Wealth, Inc.
- Headquarters
- 1102 Broadway Suite 312, Tacoma, WA 98402
- Website
- rainierfamilywealth.com
- Phone
- 253-448-2107
- @104777359
- SEC file
- 801-130876
- Founded
- 2023
- Structure
- Washington corporation
- Fiscal year end
- December
Rainier Family Wealth uses Fidelity ($309M) as custodian for its separately managed accounts. Rainier Family Wealth has custody of $309M in client assets for 113 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $309M100%
At year end, Rainier Family Wealth’s separately managed accounts were mostly in stocks (84%) and bonds (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $176M across 102 positions; the largest are SPDR Series Trust (7.8%), Nvidia Corporation (5.9%) and Microsoft Corp. (4.5%).
What the accounts hold
- Stocks84%
- Exchange-traded equities57%
- Non-exchange-traded equities27%
- Bonds10%
- Investment grade corporate bonds6%
- State and local bonds4%
- Cash6%
Reported 13F holdings
- $176M
- Reported 13F value
- 102
- Positions
- 40.0%
- In the 10 largest
- +17.9%
- Value vs. prior quarter
- SPDR Series Trust · ST Str P500etf7.8%
- Nvidia Corporation5.9%
- Microsoft Corp.4.5%
- Apple Inc.4.0%
- Dbx ETF TR · Xtrack MSCI Eafe3.5%
- Alphabet Inc. · Cap Stk CL A3.1%
- SPDR Series Trust · ST Str Sp600 Sml3.0%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt2.9%
- Broadcom Inc.2.7%
- SPDR Series Trust · ST Str Aggre ETF2.7%
Together, the ten largest are 40.0% of reported value.
How many clients does Rainier Family Wealth have?
Rainier Family Wealth has 113 clients and manages $331 million for them, as of June 2026. They include 71 high-net-worth individuals, 34 individual clients, and 6 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 17 June 2026
What services does Rainier Family Wealth offer?
Rainier Family Wealth provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, family office services, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Rainier Family Wealth charge?
Rainier Family Wealth charges 0.50%–1.00% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $500,000.
Which custodians does Rainier Family Wealth use?
Rainier Family Wealth’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $309M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 June 2026
How many financial advisors does Rainier Family Wealth have?
Rainier Family Wealth has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Rainier Family Wealth invest in?
At the end of its last fiscal year, Rainier Family Wealth’s separately managed accounts held 57% exchange-traded equities, 27% non-exchange-traded equities, 6% investment grade corporate bonds, 6% cash and equivalents and 4% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Rainier Family Wealth have a minimum investment?
Yes, Rainier Family Wealth’s minimum account size for its Wealth Management Services is $500K.
Who owns Rainier Family Wealth?
Rainier Family Wealth’s direct owners are Jun Chea (75% or more) and Michael Ruff (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 17 June 2026
How does Rainier Family Wealth get paid?
Rainier Family Wealth is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Rainier Family Wealth?
Rainier Family Wealth’s main office is at 1102 Broadway Suite 312, Tacoma, WA 98402. Its phone number is 253-448-2107. Its website is rainierfamilywealth.com.