{"url":"https://nivawealth.com/firms/rinaldi-wealth-management-311583","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/311583","regulatoryAum":243200000,"crd":"311583","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7474984","suffix":null,"lastName":"Khemkhajon","firstName":"Anna","middleName":"Butterfield"},{"crd":"8192130","suffix":null,"lastName":"O'GRADY","firstName":"PATRICK","middleName":"JAMES"},{"crd":"5006872","suffix":null,"lastName":"RINALDI","firstName":"DUSTIN","middleName":"CARL"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-05-12","regulatoryAum":133600000,"clients":294,"employees":3,"offices":1},{"filedOn":"2023-07-24","regulatoryAum":130600000,"clients":452,"employees":5,"offices":1},{"filedOn":"2024-03-06","regulatoryAum":162600000,"clients":380,"employees":4,"offices":1},{"filedOn":"2025-02-10","regulatoryAum":201400000,"clients":406,"employees":4,"offices":1},{"filedOn":"2026-02-22","regulatoryAum":243200000,"clients":363,"employees":3,"offices":1}],"secFileNumber":"801-122703","legalName":"Rinaldi Wealth Management, Inc.","displayName":"Rinaldi Wealth Management","slug":"rinaldi-wealth-management-311583","website":"https://retirewithdustin.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/311583/d33028337f80bb64-r1.webp","tone":"light","width":845,"height":200,"sourceUrl":"https://www.retirewithdustin.com/","sourceLabel":"Rinaldi Wealth Management, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/rinaldi-wealth-management-inc","founded":null,"organization":"Florida corporation","fiscalYearEnd":"December","headquarters":{"street":"24311 Walden Center Drive, Suite 100","city":"Bonita Springs","state":"FL","stateName":"Florida","country":"United States","postalCode":"34134"},"tradeNames":[],"registration":{"secApproved":"15 November 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2B","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"ERISA Plan Services","summary":"ERISA plan services are an annual fee of up to 1% of included plan assets, negotiable, billed quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010872","versionId":1010872,"submittedOn":"2026-02-22","documentName":"ADV PART 2A & 2B"},{"role":"other","program":"Financial Planning Services","summary":"Financial planning is a fixed fee based on complexity, from $450 to $5,000, with an estimate given before the planning process.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010872","versionId":1010872,"submittedOn":"2026-02-22","documentName":"ADV PART 2A & 2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:47:38.083203+00:00","documents":[{"name":"ADV PART 2A & 2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010872","versionId":1010872,"submittedOn":"2026-02-22"}]},"custodians":[{"name":"Charles Schwab","shortName":"Charles Schwab","location":"Orlando, FL","smaAssets":240900000},{"name":"Protective Life Insurance Company","shortName":"Protective Life Insurance","location":"Birmingham, AL","smaAssets":2300000}],"custodyNote":"Rinaldi Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Dustin Rinaldi","title":"Chief Compliance Officer/Investment Advisor Representative/Shareholder","crd":"5006872"}],"ownership":[{"label":"Dustin Rinaldi","detail":"Chief compliance officer/investment advisor representative/shareholder in the 75% or more ownership band and a control person, since January 2017."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"24311 Walden Center Drive, Suite 100","city":"Bonita Springs","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"239-444-6111","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":7},{"label":"U.S. government/agency bonds","percent":11},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":79},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"22 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/311583/PDF/311583.pdf","brochureDate":"22 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010872","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Rinaldi Wealth Management have?","answer":"Rinaldi Wealth Management has 363 clients and manages $243 million for them, as of February 2026. They include 232 individual clients and 131 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 22 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Rinaldi Wealth Management offer?","answer":"Rinaldi Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Rinaldi Wealth Management charge?","answer":"Rinaldi Wealth Management charges up to 1.50% a year for its Asset Management Services. The fee is billed in advance and is negotiable.","source":"ADV PART 2A & 2B, filed 22 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Rinaldi Wealth Management use?","answer":"Rinaldi Wealth Management’s separately managed account assets are held at Charles Schwab (Orlando, FL), with $241M and Protective Life Insurance Company (Birmingham, AL), with $2.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Rinaldi Wealth Management have?","answer":"Rinaldi Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Rinaldi Wealth Management invest in?","answer":"At the end of its last fiscal year, Rinaldi Wealth Management’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 11% U.S. government and agency bonds, 7% exchange-traded equities, 1% state and local bonds, 1% pooled vehicles (private funds and similar) and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Rinaldi Wealth Management?","answer":"Rinaldi Wealth Management’s direct owner is Dustin Rinaldi (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 22 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Rinaldi Wealth Management get paid?","answer":"Rinaldi Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Rinaldi Wealth Management?","answer":"Rinaldi Wealth Management’s main office is at 24311 Walden Center Drive, Suite 100, Bonita Springs, FL 34134. Its phone number is 239-444-6111. Its website is retirewithdustin.com.","source":"Form ADV Part 1A, Item 1.F, filed 22 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}