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Householder Group Estate & Retirement Specialists
Householder Group was established as a specialized financial advisory practice concentrating on estate and retirement strategies. The firm's identity is built...
Householder Group Estate & Retirement Specialists
Householder Group was established as a specialized financial advisory practice concentrating on estate and retirement strategies. The firm's identity is built around planning for the distribution phase of wealth, addressing issues such as required minimum distributions, Social Security optimization, and multi-generational wealth transfer. The advisory approach integrates retirement income planning with estate planning documents, tax analysis, and risk management. Asset classes typically incorporated into client portfolios include equities, fixed income, annuities, and managed accounts, though the firm's primary emphasis remains planning rather than discretionary asset management. Geographic focus is concentrated in the Southwest, serving clients in Arizona and neighboring states. The firm assists clients in coordinating with external legal and tax professionals to implement trust structures and beneficiary designations. Headquartered in Scottsdale, the firm maintains a regional presence. Recent operational developments are not publicly documented. The practice operates as a planning-centric advisory firm rather than a large-scale RIA aggregator, maintaining a focused footprint. A structural differentiator is the firm's dual specialization in estate and retirement planning — two disciplines often siloed at larger institutions. By combining both under one advisory roof, the model aims to address the full arc from accumulation to distribution to legacy, avoiding gaps that can emerge when separate advisors manage each domain.
General information
Firm type
Bank / Wealth / Trust
Year founded
1997
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Scottsdale
Corporate office
Scottsdale, AZ, United States
Frequently asked questions
Does Householder Group operate as a fiduciary?
As a registered investment advisor, Householder Group is held to a fiduciary standard, meaning it is legally obligated to put client interests ahead of its own. This separates it from broker-dealer models that operate under a suitability standard. Clients should confirm this status directly in the firm's Form ADV, which all RIAs are required to file with the SEC.
What is the firm's approach to retirement income planning?
The firm focuses on the decumulation phase — structuring sustainable income from portfolios, Social Security, pensions, and annuities. This typically involves tax-efficient withdrawal sequencing, required minimum distribution management, and coordination with estate planning documents to ensure assets transfer according to client wishes.
How does Householder Group coordinate estate planning with other professionals?
The firm works alongside clients' existing attorneys and CPAs rather than providing legal or tax advice in-house. The advisory role is to identify planning gaps, recommend trust structures, review beneficiary designations, and ensure that the investment portfolio aligns with the estate plan's objectives.
What types of clients does Householder Group typically serve?
The firm's name signals a focus on individuals and families navigating retirement and estate planning decisions. This often includes pre-retirees, current retirees, and those managing inherited assets. The practice is oriented toward comprehensive planning relationships rather than one-time transactional engagements.
How does the firm's compensation model work?
Most advisory firms of this type charge fees based on a percentage of assets under management or a flat retainer for financial planning services. Householder Group's specific fee schedule would be disclosed in its Form ADV Part 2A, which must be provided to prospective clients before engagement.
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