Rather & Kittrell provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers. Financial planning was provided to 1,094 clients last fiscal year.
Rather & Kittrell reports 1,110 clients. They include 613 individual clients, 369 high-net-worth individuals, and 113 pension and profit-sharing plans. Of its assets, 57.7% ($1.3B across 3,093 accounts) are managed with discretion; $952M across 113 accounts are not. Of its clients, 1% are outside the U.S. It advised 19 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 55% | 12% |
| High-net-worth individuals | 33% | 44% |
| Banking or thrift institutions | <1% | 4% |
| Pension and profit-sharing plans | 10% | 38% |
| Charitable organizations | <1% | 1% |
| Other client typesState or municipal government entities; Other investment advisers; Insurance companies; Corporations and other businesses; Other | <1% | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 613 | $275M | 12.2% | $449K |
| High-net-worth individuals | 369 | $993M | 44.1% | $2.69M |
| Banking or thrift institutions | Fewer than 5 | $79.7M | 3.5% | $26.6M |
| Pension and profit-sharing plans | 113 | $865M | 38.4% | $7.65M |
| Charitable organizations | 7 | $23.9M | 1.1% | $3.42M |
| State or municipal government entities | Fewer than 5 | $1.8M | 0.1% | $1.8M |
| Other investment advisers | Fewer than 5 | $1.67M | 0.1% | $1.67M |
| Insurance companies | Fewer than 5 | $3.03M | 0.1% | $3.03M |
| Corporations and other businesses | 2 | $9.34M | 0.4% | $4.67M |
| Other | Fewer than 5 | $996 | 0.0% | — |
| Total | 1,110 | $2.25B | 100% | — |
- Clients
- 613
- Regulatory AUM
- $275M
- AUM share
- 12.2%
- Avg. per client
- $449K
- Clients
- 369
- Regulatory AUM
- $993M
- AUM share
- 44.1%
- Avg. per client
- $2.69M
- Clients
- Fewer than 5
- Regulatory AUM
- $79.7M
- AUM share
- 3.5%
- Avg. per client
- $26.6M
- Clients
- 113
- Regulatory AUM
- $865M
- AUM share
- 38.4%
- Avg. per client
- $7.65M
- Clients
- 7
- Regulatory AUM
- $23.9M
- AUM share
- 1.1%
- Avg. per client
- $3.42M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.8M
- AUM share
- 0.1%
- Avg. per client
- $1.8M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.67M
- AUM share
- 0.1%
- Avg. per client
- $1.67M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.03M
- AUM share
- 0.1%
- Avg. per client
- $3.03M
- Clients
- 2
- Regulatory AUM
- $9.34M
- AUM share
- 0.4%
- Avg. per client
- $4.67M
- Clients
- Fewer than 5
- Regulatory AUM
- $996
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 1,110
- Regulatory AUM
- $2.25B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 19
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1094
Rather & Kittrell charges 0.25%–1.25% a year for its Wealth Management Services. The fee is billed in arrears, is negotiable and requires an account of at least $500,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Financial planning and consulting are a fixed fee typically from $500 to $15,000, or hourly at $100 to $300, depending on complexity.
RK Holdings, Inc. owns 75% or more of Rather & Kittrell and is in turn owned by Lytle Rather (25–50%) and Christian Kittrell (25–50%). The leadership team of Rather & Kittrell includes President Lytle Rather. It has 32 employees, 17 of them in advisory roles.
Staff
- 32 employees
- 17 in advisory functions
- 17 state-registered reps
- 10 insurance agents
- Owns 75% or more of Rather & Kittrell, Inc.
RK Holdings, Inc.
Control person · since January 2017
- Owns 25% to 50% of RK Holdings, Inc.
Lytle Rather
Control person · since January 2017
- Owns 25% to 50% of RK Holdings, Inc.
Christian Kittrell
Control person · since January 2017
Rather & Kittrell’s regulatory assets grew 2.1× from $1.06B (March 2021) to $2.25B (August 2026); clients rose from 907 to 1,110 and employees from 22 to 32.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Aug 2026August 2026 | $2.25B | 1,110 | 32 | 2 |
| Apr 2025April 2025 | $1.86B | 1,133 | 30 | 2 |
| Mar 2024March 2024 | $1.49B | 1,130 | 28 | 2 |
| May 2023May 2023 | $1.2B | 1,067 | 25 | 2 |
| May 2022May 2022 | $1.27B | 987 | 27 | 1 |
| Mar 2021March 2021 | $1.06B | 907 | 22 | 1 |
Besides its headquarters, Rather & Kittrell has 1 office, with 2 listed addresses in 1 state.
Tennessee · 2 listed addresses
- 11905 Kingston Pike, KnoxvilleHQ
- 11909 Kingston Pike, Knoxville
Contact and registration details
- Legal name
- Rather & Kittrell, Inc.
- Headquarters
- 11905 Kingston Pike, Knoxville, TN 37934
- Website
- rkcapital.com
- Phone
- 865-218-8400
- @rather-&-kittrell
- SEC file
- 801-66996
- Structure
- Tennessee corporation
- Fiscal year end
- December
Rather & Kittrell’s named custodian for separately managed accounts is Fidelity ($1.27B). Rather & Kittrell has custody of $1.29B for 1,093 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $1.27B100%
At year end, Rather & Kittrell’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $716M across 108 positions; the largest are Dimensional ETF Trust (12.2%), Dimensional ETF Trust (10.1%) and Dimensional ETF Trust (9.5%).
What the accounts hold
- Stocks4%
- Funds93%
- Cash3%
How many clients does Rather & Kittrell have?
Rather & Kittrell has 1,110 clients and manages $2.25 billion for them, as of August 2026. They include 613 individual clients, 369 high-net-worth individuals, and 113 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 7 August 2026
What services does Rather & Kittrell offer?
Rather & Kittrell provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Rather & Kittrell charge?
Rather & Kittrell charges 0.25%–1.25% a year for its Wealth Management Services. The fee is billed in arrears, is negotiable and requires an account of at least $500,000.
Which custodians does Rather & Kittrell use?
Rather & Kittrell’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $1.27B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 August 2026
How many financial advisors does Rather & Kittrell have?
Rather & Kittrell has 17 investment adviser representatives registered with state securities authorities, out of 32 employees, and 17 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 10 employees are 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 Rather & Kittrell invest in?
At the end of its last fiscal year, Rather & Kittrell’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Rather & Kittrell have a minimum investment?
Yes, Rather & Kittrell’s minimum account size for its Wealth Management Services is $500K.
Who owns Rather & Kittrell?
Rather & Kittrell is owned through a holding company by Lytle Rather and Christian Kittrell. Its direct owner is RK Holdings, Inc. (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 7 August 2026
How does Rather & Kittrell get paid?
Rather & Kittrell is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no 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 Rather & Kittrell?
Rather & Kittrell’s main office is at 11905 Kingston Pike, Knoxville, TN 37934. Its phone number is 865-218-8400. Its website is rkcapital.com.