# Rooted Wealth Advisors

Rooted Wealth Advisors is a Bank / Wealth / Trust based in Bourbonnais, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Bourbonnais, United States
- **Region:** North America
- **Address:** Bourbonnais, IL, United States
- **Founded:** 2016
- **Assets under management:** Undisclosed
- **Website:** rootedretirement.com
- **LinkedIn:** https://www.linkedin.com/company/rootedwealthadvisors

## Regulatory record

- **CRD number:** 313759
- **SEC file number:** 801-121129
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-30T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/313759

## About

Gray launched Rooted Wealth Advisors in 2016 and later codified his planning philosophy in the book 'Deep Roots: Laying the Groundwork for Retirement.' The practice is built around a three-stage client journey — cultivate, plant, and nurture — that front-loads goals discovery and tax positioning before allocating assets. A companion entity, Rooted Tax Advisory, sits alongside the RIA and is cross-referred from the advisory site, signaling an integrated wealth-and-tax proposition for households in and approaching retirement. The firm’s public footprint points to a planning-first, implementation-second posture. Standard engagement covers investment advisory services, financial planning, and retirement-income structuring, delivered to individuals and high-net-worth individuals. The website lists paid media placements with nationally recognized outlets, and Rooted holds a paying sponsorship relationship with the University of Illinois, though that relationship is clearly disclosed as non-endorsement. No specific portfolio holdings, fund vehicles, or co-investment structures are publicly documented. Headcount and assets under advisement are not disclosed, consistent with the firm’s local-market orientation. The practice operates from a single office in Bourbonnais, about 60 miles south of Chicago, with no additional locations or announced expansion plans. No foundation, donor-advised fund, or club-membership structure is referenced in available materials. Rooted’s structural distinction is its bundled RIA-plus-tax-firm architecture targeting the retiree lifecycle, a model more common in accounting-led firms than in independent wealth-management shops.

## Sectors

- Wealth Management
- Retirement Planning
- Tax Advisory

## People

- Zach Gray — Founder

## Questions

### Who runs investment decisions at Rooted Wealth Advisors?

Founder Zach Gray leads the firm. He authored 'Deep Roots: Laying the Groundwork for Retirement,' which outlines the planning philosophy that drives the advisory practice. No other investment-committee members or portfolio managers are identified in publicly available sources.

### How does Rooted Wealth Advisors structure its client engagement?

The firm uses a proprietary three-step process called Cultivate & Dig, Plant & Grow, and Nurture & Harvest. Clients begin with goals discovery and tax review, move into plan formulation, and then enter ongoing monitoring with regular adjustment meetings. Rooted Tax Advisory, a related firm, handles the tax-preparation side of the relationship.

### Does Rooted Wealth Advisors participate in fund commitments or direct deals?

Public materials do not reference any private-market fund commitments, direct investments, or alternative-asset programs. The firm's outward focus is on financial planning, retirement-income strategies, and investment advisory services for individual clients.

### What is Rooted Wealth Advisors' relationship with the University of Illinois?

Rooted Wealth Advisors is a paying sponsor of University of Illinois. The firm's website explicitly states the university is not a client and that no endorsement is implied, framing the relationship as a marketing sponsorship rather than an advisory or investment-management engagement.

## Related profiles

- [Rooted Planning Group](https://altss.com/profile/rooted-planning-group)
- [Root Financial Partners](https://altss.com/profile/root-financial-partners)

---

Last updated: 2026-08-11T02:43:31.692Z

Canonical page: https://altss.com/profile/rooted-wealth-advisors

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology