Rule72 Financial

What Rule72 Financial does

Rule72 Financial LLC is a fee-only fiduciary registered investment advisor founded by David Miller, a CERTIFIED FINANCIAL PLANNER professional and retired U.S. Air Force officer with 24+ years of military service and a master's from the Dwight D. Eisenhower School. The firm delivers bespoke private wealth advisory services — investment management, retirement, tax, estate, philanthropic, and risk planning — to high net worth individuals, business owners, entrepreneurs, veterans and their families, and women investors primarily in Northern Virginia. Operational technology consists of the Charles Schwab custodial platform for account custody, execution, and access to alternative/private investments and securities-based lending, supplemented by account aggregation tooling and third-party financial planning analytics software; no proprietary technology, API, or AI capability is offered.

The business model is recurring and commission-free, monetized through a tiered AUM fee beginning at 0.19% per quarter (declining with asset size, billed quarterly across the entire managed portfolio at the achieved tier) plus a quarterly financial planning subscription priced by complexity and outside-asset volume. Go-to-market is high-touch, relationship-driven sales delivered via in-person consultations at the Potomac Falls, Virginia office and virtual meetings, sourced primarily through professional affiliations (NAPFA, Fee Only Network, XY Planning Network, CFP Board), LinkedIn presence, and educational content. The firm holds SEC RIA registration enabling cross-state practice where exempted and is privately held under individual founder ownership with no external institutional investors, making it a classic boutique HNW advisory practice.

Name

Rule72 Financial

Legal name

Rule72 Financial LLC

Website

https://rule72financial.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Rule72 Financial is a fee-only fiduciary RIA in Potomac Falls, Virginia, founded by CFP David Miller, delivering bespoke investment management and integrated financial planning to high net worth individuals, business owners, veterans, and women in Northern Virginia via Charles Schwab custody.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Trust, Fiduciary, and Custody Activities (523991)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Investment advisory services
• Wealth management
• Retirement planning
• Fee-only fiduciary
• Financial planning services

Headquarters

HQ city

Virginia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Management (AUM Fees): Tiered fee structure based on assets under management at Charles Schwab. As assets increase, the advisory rate declines, and the lower rate applies across the entire managed portfolio. Fee is charged quarterly.
2. Financial Planning Subscription: Quarterly subscription for additional advisory and financial planning services. Pricing based on complexity of planning needs and amount of assets held outside of direct management.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Rule72 Financial is a fee-only, fiduciary Registered Investment Advisor that provides personalized wealth management, investment management, retirement planning, tax planning, estate planning, and philanthropic planning services. The firm manages client assets through Charles Schwab & Co., Inc. as custodian and is compensated through tiered AUM-based advisory fees starting at 0.19% per quarter. Its practice is focused on high-net-worth individuals, business owners, veterans, women, and sudden-wealth recipients in the Northern Virginia region.

Product overview

Rule72 Financial operates as a single unified fee-only fiduciary advisory practice, not a multi-product software platform. The core offering is comprehensive wealth management advisory services delivered through personalized advisor-client relationships. Core services include bespoke investment management through Charles Schwab with tiered fee pricing, alongside integrated financial planning modules covering retirement, tax, estate, risk management, and philanthropic planning. Specialized offerings include a Women's Wealth Program with educational frameworks like the Risk-Return Pyramid, and Sudden Wealth/Inheritance services for clients receiving significant inheritances. The firm also provides account aggregation technology and financial planning analytics tools to support the advisory process. No proprietary software products or API offerings are provided.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive wealth management service for high-net-worth individuals, business owners, and sudden-wealth recipients that combines investment management with holistic planning across retirement, tax, estate, and philanthropic goals.

Quantifiable outcome

• Fee structure at 0.19% per quarter with tiered reductions for higher asset levels

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cerity Partners: Fee-only wealth management and investment advisory firm serving HNW individuals and families. Comparable comprehensive planning offering with tax, estate, and investment services under a fiduciary standard.
• Halbert Hargrove: Fee-only fiduciary advisory firm serving HNW individuals and families with comprehensive planning. Comparable boutique fee-only model with similar reliance on credentialed founder-advisors.
• Moneta Group: Fee-only RIA serving high net worth individuals and families with comprehensive wealth, tax, and estate planning. Closely comparable business model, fee-only fiduciary structure, and HNW client focus.
• Wealthspire Advisors: Fee-only registered investment advisor providing comprehensive wealth management, tax planning, and financial planning to HNW clients. Similar fiduciary-only model with comparable HNW service scope.
• Buckingham Strategic Wealth: Fee-only RIA serving individuals and families with investment management, financial planning, and tax services. Operates a comparable fiduciary-only model with strong thought-leadership and referral-based growth.
• Signature Estate & Investment Advisors: Fee-only RIA providing wealth management, tax, estate, and financial planning to HNW clients. Operates a similar mid-sized advisor model with comparable fee structure and service scope.

Broad incumbents

• Empower Personal Dashboard (Personal Capital): Large hybrid RIA combining digital tools with human advisors to serve HNW households. Overlapping fee-only fiduciary positioning and account-aggregation capabilities, but with significantly broader scale and technology investment.
• Edelman Financial Engines: One of the largest fee-only RIAs in the U.S., serving HNW households with comprehensive planning and investment management. Overlapping fiduciary-only model but vastly greater scale and brand recognition.
• Mariner Wealth Advisors: Large-scale wealth management firm offering investment advisory, financial planning, tax, and estate services to HNW clients. Overlapping capability set but materially larger scale and broader footprint than Rule72.

Emerging players

• Facet Wealth: Tech-enabled fee-only RIA offering flat-fee financial planning and investment management. Comparable fee-only fiduciary model but differentiated by digital delivery and lower-fee structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rule72-financial-llc
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Rule72 Financial