Joseph A. Stephens
RFG ADVISORY
HOMEWOOD, AL 35209
Some features on this profile are disabled
CRD#: 5472036
Professional summary
Joseph A Stephens, CFP®, who also goes by Joe Stephens, is a registered financial advisor currently at RFG ADVISORY, LLC located in Homewood, Alabama and PRIVATE CLIENT SERVICES, LLC located in Homewood, Alabama.
Joseph is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2008. Joseph has worked at 4 firms and has passed the Series 66, SIE and Series 7 exams.
Biography
One of the most important things to me in my life is community. Growing up in a small town, my family owned a grocery store right outside of Tuscaloosa. It was our second home, the aisles were my playground, the parking lot my back yard, and the people of my community were like family. I learned about empathy, compassion, and how to exercise kindness as I grew up, working alongside family to serve our community. I met my wife, Heather, when I was a child. She grew up in the house across the street. We were fast friends, then forever partners. The town was small, but the impact on my life was enormous.
I went to the University of Alabama in 1991, where I studied Organizational Communication and Political Science. One of my passions to this day is debate. I had the honor of being a part of Alabama’s national championship debate team as the Captain and became a Debate All-American. After college, I was a debate coach and worked with local high-school and college debate teams, which really unlocked my passion for education and leadership. I quickly realized that I had a talent for education and leadership, but I was not sure what industry would be best to pursue. Given my expertise in economics, I decided to explore the financial sector. I applied at several firms hoping to start a career as a financial advisor. After making it through the entire interview process at one of the major wire houses, the hiring director decided not to hire me because he felt “I looked too young and no one would trust me with their money.”
Tail between my legs, I decided to start a career at a startup software company. I was one of 8 employees, so I had the opportunity to apply my entrepreneurial spirit and help the company grow. Through that time, I built and led and internal sales team focusing on service, communication, and expertise in technology. This part of my career taught me a myriad of lessons, but also reaffirmed what I knew in my heart. I could do more for my community and there was a need for good financial advice. So, I decided to make a jump in my late 30s and start my career over, as a financial advisor.
I found a firm that I liked and that would allow me to be independent, I made the decision to start my practice in early 2008. Yes…two months before the crash of 2008 and the subsequent Great Recession. You can imagine the worry my wife felt during this time, but I knew it was the right thing to do and, in the end, we were absolutely right. Over the next 4 years, we focused on helping, serving, communicating, and being there to help people through a very rocky time for our economy and it was truly special.
In 2012, my wife and I decided it was time to make another big decision. This time is was to make a move to a new community. After spending time in Edgewood, we knew we wanted to build our lives here and boy was that the best decision we have ever made. Edgewood is tight-knit, vibrant, full of energy, and a wonderful place to call home. From walking to grab a bite to eat at a local restaurant to summer block parties to afternoon strolls through the maze of beautiful houses, we absolutely love it and so does everyone around us. It is the epitome of a what it means to connect deeply, giving us the opportunity to cultivate rich relationships and bonds that go beyond the scope of being a good neighbor. Our community is like family and we are lucky enough to call many of those friends, clients.
Our goal is simple, to make the complex parts of your financial future simple. Everything we do is founded in helping you understand the path to reach your goals. No gimic is going to help you achieve your goals. It takes planning, communication, education, compassion, and understanding. We promise to always do what is right for you. Your financial life is unique and our job is to create a plan with your goals, needs, and dream at the center. One of my greatest joys is when I get to meet with a client, and I see the relief they feel when they realize that they are on the right track. You can see the stress leave their eyes. That makes it all worth it and is what drives me to bring my absolute best every day.
Question & Answer
What are your service offerings?
Tax Planning
Insurance Planning
Investment Planning
Estate Planning
Business Succession Planning
Comprehensive Financial Planni...
Retirement Planning
Employee and Employer Plan Ben...
Do you have an area of expertise or specialization?
Comprehensive Financial Planni...
Attending College
401(k)/403(b)/IRAs
Buying a Home
Charitable & Planned Giving
Annuities
Asset Allocation
Career Change
Disaster Recovery
Estate Planning
Investment Management
Limited Partnerships
Getting Divorced
Employee Benefits
Mutual Funds
Irregular Income
Getting Married
Job Loss
Real Estate
Insurance
Retirement
Stocks & Bonds
Life Planning
Long-term Care
Tangible Assets
Starting a Family
Succession Planning
Sudden Wealth
Men's Finances
Nontraditional Households
Special Needs
Personal Taxes
Women's Finances
Are you a "fiduciary"?
Yes
Aliases
Joe Stephens
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) Crump Insurance. Investment-related (insurance). 1900 28th Ave S, Suite 110, Homewood, AL 35209. Insurance. Insurance Agent. Start: 2012. 80 hrs/mo; 80 during trading hrs. 2) Edgewood Wealth Advisors. Investment-related. 1900 28th Ave S, Suite 110, Homewood, AL 35209. DBA/Brokerage/Advisory/Insurance. Start: 2012. Owner/Wealth Advisor/Insurance Agent. 160 hrs/mo; 160 during trading hrs. 3) Financial Planning Association (FPA) of North Alabama. Investment-related. P.O. Box 26607, Birmingham, AL 35260. Board of Directors- Member. Treasurer. Start: 2000. 5 hrs/mo; 5 during trading hrs. 4) RFG Advisory LLC. Investment-related. 1400 Urban Center Drive, Ste 475, Vestavia Hills, AL 35242. RIA, Investment Adviser Representative. Start: 8/11/2022. 160 hrs/mo; 160 during trading hrs.
CRS (Client Relationship Summary) - RIA
Click below to view Joseph A Stephens's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2013
Experience
Current
August 11, 2022 - Present
RFG ADVISORY, LLC
Office #1: 1900 28th Ave S. Suite 110, Homewood, AL 35209RIA
CRD#: 158401
HOMEWOOD, AL
Current
August 11, 2022 - Present
PRIVATE CLIENT SERVICES, LLC
Office #1: 1900 28th Ave S Ste 110, Homewood, AL 35209RIA
BD
CRD#: 120222
Homewood, AL
Past
November 26, 2008 - August 29, 2022
PRINCIPAL SECURITIES, INC.
RIA
CRD#: 1137
HOMEWOOD, AL
Past
November 18, 2008 - August 29, 2022
PRINCIPAL SECURITIES, INC.
BD
CRD#: 1137
HOMEWOOD, AL
Past
March 10, 2008 - September 16, 2008
EDWARD JONES
RIA
CRD#: 250
TUSCALOOSA, AL
Past
February 25, 2008 - September 16, 2008
EDWARD JONES
BD
CRD#: 250
TUSCALOOSA, AL
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
RA
RFG ADVISORY, LLC
21:5 ADVISORS WEALTH MANAGEMENT | WINGO WEALTH | WILLOW PRIVATE WEALTH | WILLIAMS FINANCIAL ADVISORS, LLC "WFA" | VOLARE WEALTH ADVISORS | TURNPOINT WEALTH | TREKNORTH INVESTMENT MANAGEMENT | THE WORLEY BANKS GROUP | SUSKO WEALTH ADVISORS | STRODTMAN WEALTH MANAGEMENT | STONES RIVER WEALTH MANAGEMENT | SIXPOINT FINANCIAL PARTNERS | SABLE POINT WEALTH MANAGEMENT | RVA WEALTH MANAGEMENT | ROUTE FINANCIAL GROUP | RJB FINANCIAL PLANNING | RIVER OAK ASSET ADVISORY | RFG ADVISORY, LLC | RFG ADVISORY GROUP, LLC | RFG ADVISORY | RESOLUTE WEALTH MANAGEMENT | RELIANCE FINANCIAL GROUP | PARAMOUNT FINANCIAL PLANNING | NAVIPATH FINANCIAL | META PRIVATE WEALTH | MATTERHORN PRIVATE WEALTH | LIND WEALTH MANAGEMENT | LICATA FINANCIAL DESIGN | LEMZAR CAPITAL | LEALAND WEALTH PARTNERS | LANDSCAPE WEALTH ADVISORS | L7 WEALTH | KWM WEALTH | KUBERA WEALTH MANAGEMENT | ITER FINANCIAL WELLNESS | INVESTOR'S RESOURCE | INVESTA FINANCIAL PLANNING | IN SEASON FINANCIAL GROUP | GROUNDED FINANCIAL PLANNING | GFG WEALTH ADVISORS | GALLIA WEALTH MANAGEMENT GROUP | FREEMAN WEALTH MANAGEMENT | FOUR SEASONS WEALTH MANAGEMENT | FOUR SEASONS FINANCIAL EDUCATION | EXECUTIVE COMPENSATION GROUP | ETA INVESTMENTS | ETA INVESTMENT & TAX ADVISORS | ENTERPRISE INVESTMENT PLANNING | EDUCATOR RETIREMENT SOLUTIONS | EDUCATOR PENSION RESOURCES | EDGEWOOD WEALTH ADVISORS | DESIGN WEALTH ADVISORS | CURATO ADVISORY | CROSS TIMBERS FINANCIAL GROUP | CRESCENT PRIVATE WEALTH | COPPER PASS ADVISORY | COPE PRIVATE WEALTH | COOPER TOWER WEALTH | CONFIDENCE FINANCIAL PARTNERS | CMC FINANCIAL | CHEAHA WEALTH MANAGEMENT | CARDINAL ASSET ADVISORY | CAMBIUM WEALTH PARTNERS | BRIANNE FINANCIAL | BLUEBIRD ADVISORY | BLUE SANDS WEALTH MANAGEMENT | BLAKE WEALTH MANAGEMENT | BILLINGS GROUP | BAYVIEW PRIVATE WEALTH | BARRETT CAPITAL ADVISORY | BALANCEPOINT FINANCIAL | BALANCE WEALTH PARTNERS | ARIV WEALTH | APPLE TREE LANE WEALTH MANAGEMENT | ANCHORING CAPITAL | AIMWELL FINANCIAL | AFIA WEALTH MANAGEMENT
CRD#: 158401 / SEC#: 801-79153
RIA
Registered Investment Advisory firm - (2/6/2014 Approved)Alabama
Registered Investment Advisory firm - (2/27/2014 Terminated)Florida
Registered Investment Advisory firm - (2/18/2014 Terminated)Georgia
Registered Investment Advisory firm - (2/18/2014 Terminated)Louisiana
Registered Investment Advisory firm - (2/28/2014 Terminated)Texas
Registered Investment Advisory firm - (2/18/2014 Terminated)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Alabama(8/11/2022)
IAR
Alabama(8/11/2022)
IAR
Texas(8/11/2022)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
RA
RFG ADVISORY, LLC
21:5 ADVISORS WEALTH MANAGEMENT | WINGO WEALTH | WILLOW PRIVATE WEALTH | WILLIAMS FINANCIAL ADVISORS, LLC "WFA" | VOLARE WEALTH ADVISORS | TURNPOINT WEALTH | TREKNORTH INVESTMENT MANAGEMENT | THE WORLEY BANKS GROUP | SUSKO WEALTH ADVISORS | STRODTMAN WEALTH MANAGEMENT | STONES RIVER WEALTH MANAGEMENT | SIXPOINT FINANCIAL PARTNERS | SABLE POINT WEALTH MANAGEMENT | RVA WEALTH MANAGEMENT | ROUTE FINANCIAL GROUP | RJB FINANCIAL PLANNING | RIVER OAK ASSET ADVISORY | RFG ADVISORY, LLC | RFG ADVISORY GROUP, LLC | RFG ADVISORY | RESOLUTE WEALTH MANAGEMENT | RELIANCE FINANCIAL GROUP | PARAMOUNT FINANCIAL PLANNING | NAVIPATH FINANCIAL | META PRIVATE WEALTH | MATTERHORN PRIVATE WEALTH | LIND WEALTH MANAGEMENT | LICATA FINANCIAL DESIGN | LEMZAR CAPITAL | LEALAND WEALTH PARTNERS | LANDSCAPE WEALTH ADVISORS | L7 WEALTH | KWM WEALTH | KUBERA WEALTH MANAGEMENT | ITER FINANCIAL WELLNESS | INVESTOR'S RESOURCE | INVESTA FINANCIAL PLANNING | IN SEASON FINANCIAL GROUP | GROUNDED FINANCIAL PLANNING | GFG WEALTH ADVISORS | GALLIA WEALTH MANAGEMENT GROUP | FREEMAN WEALTH MANAGEMENT | FOUR SEASONS WEALTH MANAGEMENT | FOUR SEASONS FINANCIAL EDUCATION | EXECUTIVE COMPENSATION GROUP | ETA INVESTMENTS | ETA INVESTMENT & TAX ADVISORS | ENTERPRISE INVESTMENT PLANNING | EDUCATOR RETIREMENT SOLUTIONS | EDUCATOR PENSION RESOURCES | EDGEWOOD WEALTH ADVISORS | DESIGN WEALTH ADVISORS | CURATO ADVISORY | CROSS TIMBERS FINANCIAL GROUP | CRESCENT PRIVATE WEALTH | COPPER PASS ADVISORY | COPE PRIVATE WEALTH | COOPER TOWER WEALTH | CONFIDENCE FINANCIAL PARTNERS | CMC FINANCIAL | CHEAHA WEALTH MANAGEMENT | CARDINAL ASSET ADVISORY | CAMBIUM WEALTH PARTNERS | BRIANNE FINANCIAL | BLUEBIRD ADVISORY | BLUE SANDS WEALTH MANAGEMENT | BLAKE WEALTH MANAGEMENT | BILLINGS GROUP | BAYVIEW PRIVATE WEALTH | BARRETT CAPITAL ADVISORY | BALANCEPOINT FINANCIAL | BALANCE WEALTH PARTNERS | ARIV WEALTH | APPLE TREE LANE WEALTH MANAGEMENT | ANCHORING CAPITAL | AIMWELL FINANCIAL | AFIA WEALTH MANAGEMENT
CRD#: 158401 / SEC#: 801-79153
RIA
Registered Investment Advisory firm - (2/6/2014 Approved)Alabama
Registered Investment Advisory firm - (2/27/2014 Terminated)Florida
Registered Investment Advisory firm - (2/18/2014 Terminated)Georgia
Registered Investment Advisory firm - (2/18/2014 Terminated)Louisiana
Registered Investment Advisory firm - (2/28/2014 Terminated)Texas
Registered Investment Advisory firm - (2/18/2014 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
1400 Urban Center Drive Suite 475, Vestavia Hills, AL 35242-2245
Mailing Address
Phone number
(205) 397-2450
Established
Firm type
Fiscal year end
# of Employees
277
SEC notice filing (52 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 23,999 |
| AUM (Assets Under Management) | $ 6,120,333,343 |
Red Flags
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Company Information
RFG ADVISORY, LLC
CRD#: 158401Homewood, AL 35209TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
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