What Belonging Wealth Management does

Belonging Wealth Management, operating under the legal entity Brandon Renfro LLC, is a fee-only fiduciary financial advisory firm headquartered in Longview, Texas, that provides retirement-focused financial planning to individual clients. The firm specializes in integrated retirement income planning, coordinating investment management, tax planning, Social Security and pension decisions, and estate considerations for clients approaching or in retirement. It is led by two CERTIFIED FINANCIAL PLANNER™ professionals — Brandon Renfro (PhD, CFP, RICP, EA, FBS) and Den Murley (CFP) — supported by a small team of 1-10 employees, and is registered with the SEC as an investment adviser and is a member of NAPFA.

The firm operates on a tiered asset-under-management fee schedule ranging from 1.25% at the low end to 0.8% at higher tiers, providing a transparent cost structure aligned with client portfolio size. A notable service differentiator is the bundling of tax preparation — offered at no incremental cost to clients with over $1 million in AUM and at a flat $600 fee otherwise — which positions the firm as a holistic financial coordinator rather than a standalone investment manager. Technology is built on third-party platforms: Altruist serves as the custodial and back-office platform, and RightCapital is used for financial planning and projections. There is no proprietary technology stack.

Distribution combines local community engagement with national visibility. The firm anchors its East Texas market through the annual Longview Life In Retirement Expo, a recurring community event, and delivers employer-specific financial education programs to organizations such as AEP and SWEPCO. National media contributions and authored content extend brand reach beyond the local geography, and virtual service delivery enables the firm to serve clients outside its immediate region. The business model is recurring-fee based on AUM, supplemented by tax-prep fees, with no disclosed revenue or AUM figures.

Name

Belonging Wealth Management

Legal name

Brandon Renfro LLC

Website

https://belongingwealth.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Belonging Wealth Management (Brandon Renfro LLC) is a fee-only fiduciary RIA in Longview, Texas, offering integrated retirement, tax, and estate planning to individual retirees and pre-retirees, led by two CFP professionals.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Trust, Fiduciary, and Custody Activities (523991)

SIC

Finance Services (6199)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Retirement planning
• Fee-only advisory
• Fiduciary financial planning
• Retirement income planning
• Tax planning services

Headquarters

HQ city

Morristown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory/Asset Management Fees: The firm charges a tiered annual percentage of assets under management (AUM). Fees decrease at higher asset tiers, aligning firm compensation with client portfolio size and success. This is the primary revenue stream.
2. Tax Preparation (Bundled): Tax return preparation is included at no additional cost for clients with at least $1 million in assets under management as part of their comprehensive planning relationship. For clients below that threshold, a flat fee of $600 is charged per filing. This service is offered in-house, coordinated with ongoing financial planning.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Belonging Wealth Management is a fee-only fiduciary registered investment adviser that delivers comprehensive retirement planning services for retirees and near-retirees. Its core offerings integrate retirement income planning, tax strategy, investment management, Social Security optimization, and estate planning coordination under a single advisory relationship, with in-house tax preparation bundled for clients holding $1 million or more in assets under management.

Product overview

Belonging Wealth Management is a fee-only fiduciary financial advisory firm offering a unified retirement planning platform that integrates multiple services: retirement income planning, tax strategy, investment management, Social Security optimization, estate planning coordination, and in-house tax preparation. The firm operates on a tiered advisory fee structure based on assets under management, with tax preparation included for clients with $1M+ in assets. All services are coordinated through a 4-step planning process: listening to client goals, reviewing current situation, building a customized plan, and ongoing adjustment. Clients access their plans through an online portal for real-time tracking and scenario modeling.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Income Planning

Quantifiable outcome

• Clients receive a withdrawal strategy calculated to last as long as needed, annual consultations, regular tax analysis, investment management, health care and Social Security planning, and estate planning assistance.

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• AltruistcoreTechnology or IntegrationAltruist provides the custodial platform and account management experience for the firm's client accounts. The firm has partnered with Altruist to deliver a secure, digitally-accessible account experience for clients who engage the firm for ongoing investment management.
• RightCapitalcoreTechnology or IntegrationRightCapital is the financial planning software used by the firm to build and monitor client retirement plans, run scenario modeling, and track progress. It enables clients to model 'what if' scenarios and view probability-of-success metrics in real time.
• AEP/SWEPCOminorOthersThe firm has created educational content and retirement planning guidance specific to AEP/SWEPCO employees, helping them navigate the utility's retirement package including defined benefit pension, 401(k), and supplemental benefits.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mercer Advisors: National fee-only RIA focused on retirement income, tax planning, and estate coordination for retirees. Comparable service mix and target demographic, but at much larger scale with multiple offices across the U.S.
• Edelman Financial Engines: One of the largest independent RIAs, with deep retirement-income and tax planning offerings for affluent retirees. Comparable in retirement focus and integrated planning, but operates at enormous scale with proprietary technology.
• Empower (formerly Personal Capital): Hybrid digital wealth manager with a strong retirement-planning toolset and dedicated advisor service for retirees. Comparable target customer and retirement focus, with a proprietary tech platform that Belonging Wealth lacks.
• Creative Planning: Large fee-only RIA serving affluent households nationwide with retirement, tax, and estate planning. Comparable in fiduciary model and integrated service offering, but operates at vastly greater scale and geography.

Others

• NewRetirement: Do-it-yourself retirement planning software platform used by consumers and some advisors. Comparable retirement-planning scope (withdrawal, Social Security, taxes) and represents a partial substitute/self-serve alternative for Belonging Wealth's target customer.

Direct peers

• Carson Wealth: Fee-only RIA managing roughly $30B+ in assets with retirement and tax planning at its core. Closest direct peer because of similar fee-only fiduciary structure, AUM-based pricing, and integrated retirement planning approach.
• XY Planning Network member firms: Network of fee-only RIAs serving Gen X and younger retirees with virtual planning and AUM-based fees. Belonging Wealth is itself an XYPN member; these firms are direct peers competing for the same virtual, fee-only, retirement-focused customer.
• Abacus Wealth Partners: Fee-only RIA specializing in holistic retirement and tax planning for affluent households, with a values-driven, fiduciary-first model. Comparable in fee-only positioning, integrated planning, and small-firm relationship orientation.
• Facet Wealth: Virtual-first fee-only RIA offering flat-fee financial planning plus investment management to households nationwide. Direct peer in the virtual, fiduciary, retirement-focused segment — competing for the same online inquiry flow.

Emerging players

• Blueleaf: Smaller fee-only RIA focused on retirement and tax planning for households in the $500K-$5M range. Comparable in scale, target demographic, and retirement-income specialization.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/RenfroPhD
• LinkedInlinkedin.com/company/belongingwealth

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Belonging Wealth Management