Rather & Kittrell

What Rather & Kittrell does

Rather & Kittrell is a privately held, SEC-registered investment advisory firm (also operating as RK Capital) headquartered in Knoxville, Tennessee, that delivers fee-only wealth management and corporate retirement plan advisory services. The firm serves individuals, families, business executives, entrepreneurs, and pre-retirees/retirees, primarily across the Southeastern United States with virtual service delivery extending nationally and internationally. It manages approximately $1.5 billion in assets under management on a fiduciary basis, coordinating investment management, tax-efficient strategies, retirement income planning, estate and legacy planning, insurance analysis, and life-transition guidance into a single integrated financial plan.

The firm's core offerings are Wealth Management and Corporate Retirement Plans, supplemented by Life Transitions Planning as a thematic wrapper. Rather & Kittrell does not develop proprietary technology; its technical stack comprises third-party financial planning software (Moneyguide Pro) for comprehensive plan construction, Black Diamond for portfolio performance reporting, and a rules-based systematic investment process with globally weighted equity portfolios and threshold-based rebalancing. Client engagement is delivered through in-person meetings at its 11905 Kingston Pike office and virtual consultations.

Rather & Kittrell generates revenue through a blended annual fee on assets under management, structured as subscription-style recurring revenue with publicly disclosed fee schedules. Its go-to-market is relationship-led and content-driven, using educational articles, videos, a quarterly newsletter, and a Thrive Magazine to build trust, complemented by complimentary consultations. The firm is co-founder-owned (Lytle Rather IV and Chris Kittrell), with no external institutional investment, and was recognized on the 2025 CNBC Financial Advisor 100 ranking.

Name

Rather & Kittrell

Legal name

Rather & Kittrell, Inc.

Website

https://rkcapital.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Rather & Kittrell is a fee-only, SEC-registered fiduciary RIA in Knoxville, Tennessee managing $1.5B in AUM, providing integrated wealth management and corporate retirement plan advisory services to individuals, families, business executives, and pre-retirees/retirees primarily across the Southeastern United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Knoxville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wealth Management - Assets Under Management (AUM) Fee: Rather & Kittrell charges a blended annual fee based on assets under management. The fee schedule is published on their website and covers ongoing planning, collaboration, coordination, and implementation as clients' financial lives evolve.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Rather & Kittrell is a fee-only SEC-registered investment advisory firm that delivers comprehensive financial planning and investment management services to individuals, families, and businesses. Their offerings center on a fiduciary wealth management service that integrates investment guidance, tax-efficient strategies, retirement income planning, estate and legacy planning, and insurance and risk analysis, alongside corporate retirement plan advisory for employer-sponsored plans.

Product overview

Rather & Kittrell is a wealth management and retirement plan advisory firm offering a unified suite of financial services centered around Wealth Management and Corporate Retirement Plans. Their core offering is comprehensive financial planning that integrates investment management, tax planning, retirement income, estate planning, and insurance analysis into a single cohesive strategy. The firm uses internal tools including Moneyguide Pro for financial planning and Black Diamond for portfolio performance reporting. Services are delivered with a fiduciary approach, emphasizing life transitions planning and holistic coordination of all aspects of clients' financial lives.

Differentiator

Problem solved

Functional benefit

Named customers4 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Moneta Group: Independent, fee-only RIA providing comprehensive wealth management and financial planning. Closely comparable fiduciary model and holistic-planning approach at similar mid-sized regional scale.
• Savant Wealth Management: Fee-only RIA providing comprehensive financial planning, investment management, and tax services. Comparable in service mix and fiduciary positioning, with similar mid-sized regional RIA profile.
• Mercer Advisors: National fee-only RIA providing holistic financial planning, tax, estate, and investment management. Operates a similar fiduciary, holistic-planning model with significantly more scale and a roll-up acquisition strategy.
• CAPTRUST: Independent RIA specializing in investment management and corporate retirement plan advisory. Directly comparable in the retirement plan advisory product line, with much larger AUM.
• Mariner Wealth Advisors: Large national RIA offering comprehensive wealth planning, investment management, and retirement plan advisory—directly comparable to Rather & Kittrell's service mix but at materially greater scale with a national footprint.
• Hanson McClain: Mid-sized independent RIA providing retirement and wealth management services. Comparable in scale and service positioning as a fee-only fiduciary advisor serving individuals and retirement plan sponsors.
• Creative Planning: Fee-only RIA offering wealth management, tax, estate, and retirement plan services. Highly comparable business model with fiduciary positioning and a national client base, but at multibillion-dollar AUM scale.

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs, offering wealth planning, investment management, and retirement plan services. Highly comparable service offering but operates at substantially greater scale with both human advisors and a digital platform.
• Cetera Financial Group: Large network of independent financial advisors offering wealth management and retirement planning. Overlaps in target client and services but operates through an advisor-network model rather than a single integrated RIA.

Regional players

• Plante Moran Financial Advisors: Mid-sized RIA affiliated with a larger professional services firm, offering wealth management and retirement plan advisory. Comparable in service mix but more regionally anchored with a different parent structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/rkcapital
• Xx.com/ratherkittrell

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rather & Kittrell