TEAM NEWS - RFG Wealth Advisory Fall 2025

RFG Stories - Chris Robinson This is a year of transition for us as our children age. After this school year, we will only have one child at home. It’s been a great ride, but hard to believe it has gone by so fast. I do miss the days of having young children. But I do want to enjoy all stages of life and love watching them grow into adults. “I just love the fall! It is my favorite season closely followed by winter.” TEAM NEWS RFG Wealth Advisory Our oldest child, Henry, graduated from Texas Tech in the summer and is looking for a job and continuing his computer science learning. Our second son, Jacob, is in the middle of football season at Sam Houston State University. It has been a tough year for him with numerous injuries. He had a great game against the University of Texas in Austin early in the season. He plays linebacker and blew through the line and tackled UT’s running back in the backfield on the goal line. It’s funny how sports changes so much as you move up the levels. It has been so much fun watching him through the years, but I also realize how tough football is at the college level. I really am looking forward to seeing what he accomplishes after football. Fall 2025

My third son Ben, is a senior at Argyle High School and seems to be really enjoying his last year. He has such a great group of friends, and they are always out having adventures. They are also very good students, and they are all trying to decide where to go to college. It is really cool to see talented young people trying to make a big future for themselves! My wife, Joyce, continues to shuttle Molly around; this will change as she turns 16 this coming summer. Hard to see ourselves as empty nesters, but it’s not that far off! Joyce also stays busy making sure all the children are getting everything done and are succeeding in their lives. I guess this will never change! My daughter Molly is a freshman at Argyle High School. She continues to play tennis and have fun with her friends, but school is always number 1. She’s such a serious student! She also competes on the Argyle UIL team in accounting. I expect a big future from her! Click here for video clip.

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We have had an excellent year at RFG Wealth Advisory. We have a couple of new faces as well, with Michael Tull and Lanette Frost. I am looking forward to watching them help our team succeed. There are a lot of challenges, as usual, in the world and in our country; this never changes. There are also a lot of economic challenges we face today. After more than 30 years as a financial advisor, I have come to realize that there will always be challenges and crises. I always appreciate the good economic times and the good stock markets, but know that challenges will come as well. But tremendous financial success is created by owning great companies for large periods of time. Smart decision-making pays off tremendously over time. We are there for our clients to create a plan for financial success; time does the heavy lifting. When I passed my first securities exam in 1995, the Dow Jones was trading around 3800. As I write this, it is trading over 46,600. That is hard to believe! What ups and downs we have had in between but investing smartly for long periods of time pays off so well. I hope 2025 finishes strong and 2026 is good as well, but just like life we have to expect the ups and downs. We are here to help you in any way we can and I look forward to seeing all of you soon! Regards, Chris Robinson

Welcome New Team Members I joined RFG Wealth Advisory in October with a background in sales, marketing, recruiting, and education. Before returning to full-time work, I spent several years teaching and homeschooling my children. I’m also a proud Texas A&M graduate — Gig ’em! My husband and I have been married 22 years and enjoy traveling, live music, and time with family. We have three kids: Ben, a TCU sophomore; Lydia, a high school senior; and Sophia, our creative 13-year-old. Serving others is core to who I am. I’ve served on the boards of National Charity League and Young Men’s Service League, and I’m thrilled to be part of the RFG Wealth Advisory family. I’m excited to serve the RFG Wealth Advisory community with a relationship-driven approach. I graduated from the University of North Texas with a BAAS in Applied Technology and Performance Improvement, and my career has centered on connecting with people and supporting families and businesses in their goals. My wife, Stefanie, and I have lived in Argyle for eight years, raising our three boys—Cayden, Casen, and Connor. We’re active at Denton Country Club, where I serve as president of the Men’s Golf Association. Outside of work, I’m coaching my boys’ sports, spending time with family, or playing golf. What drives me most is building relationships and creating a sense of belonging, and I’m grateful to continue that work at RFG.Michael Tull-Financial Advisor Lanette Frost-Client Service

RFG University Leaving a Legacy: Life Insurance vs. Roth IRAs When it comes to crafting a meaningful and tax- efficient legacy for your loved ones, Roth IRAs and life insurance policies are two powerful tools that share a similar goal: transferring wealth across generations. However, they operate under fundamentally different rules—and understanding how those differences affect your estate plan can make a significant impact. Drawing on insights from estate planning authorities like Ed Slott and our experience at RFG Wealth, here are three key distinctions to consider: 1. Estate Inclusion and Tax Implications for Roth IRAs and Life Insurance A Roth IRA, by its nature, remains in your estate—even today’s generous federal exemption ($13.99 million) can't avoid taxes in states with lower thresholds. If your estate exceeds local limits, your heirs may face unexpected tax liabilities on Roth IRA proceeds. In contrast, life insurance can be structured to live outside your estate —often through an irrevocable trust—delivering tax-free death benefits directly to beneficiaries, unencumbered by estate taxes. 2. Contribution Flexibility and Income Requirements Roth IRAs come with tight IRS-imposed limits: for 2025, annual contributions max out at $7,000 (or $8,000 if you're 50 or older). These contributions must come from "earned income" that falls below threshold levels. (read the rest of the article here)

My favorite experience besides shopping for an Italian leather purse was the great city of Athens. Here, we toured the incredible Acropolis Museum, which resides next to the actual Acropolis. This summer, we experienced our first Viking Ocean cruise. We've had the privilege of the river cruise before, but this was different. This adventure began outside Milan, Italy, on Lake Maggiore. This beautiful area was one we'd never visited before, and it's so close to Switzerland that you can almost taste the chocolate and hear the cow bells. We had a 3-day pre-cruise stay here and explored the Italian lakes while doing some shopping, eating, and relaxing. Then we were transported to Venice to board the beautiful Viking Star. We spent 11 glorious days exploring Slovenia, Croatia, Montenegro, and Greece. We explored everything from monasteries, walking the city wall in Dubrovnik, a classical guitar concert, to ancient Olympia. Did you know the original Olympic Games were played sans clothing? Ouch! This rule ensured no women were sneaking in to compete or train with the men. Travel is a passion as well as an education. Learning about the Italian and Greek cultures through the daily lecture series onboard was fascinating. It is not only history, but also the spotlights on artists, architecture, and trade. All fascinating! If you have the desire and opportunity, travel! RFG Stories - Susan Dawson “Travel continues to be a theme, and we love it.”

Pretty much sums up the early part of Fall. First Football: At this point, the Krum Bobcats are undefeated and District Champions. Mateo has had a great senior season playing both sides of the ball: middle linebacker on defense and running back on offense. Each week, Sharon and I are involved with Thursday night team dinners. Fridays are spent preparing for team pre-game and post-game meals. Then on Saturdays, 6-10 of Mateo’s teammates come over to watch film and grill hamburgers. It has been very busy, but soon, I will be missing it. Playoffs start November 14 th, Wish us luck. RFG Stories - Emilio Gonzalez Fall has been a time of Family get-togethers! From birthday parties, preseason rallies, Texas/OU games, and plain ‘ol Sunday afternoon grilling sessions, we have made fun memories in the “new” home and enjoyed every second of it. I'm so grateful to each of you for being part of RFG Wealth Advisory. We love serving you every day and count it a blessing to be part of this special part of your life. Football, Family, and Food!

It is hard not to focus on Mateo since he is our youngest and it is his Senior year, but we have three other kiddos!!! Diego is enjoying life; he and I have been working out together for 6 months. He is getting back to his fighting weight and helping keep me accountable. Isabella is coming up on her one- year wedding anniversary and really likes married life. Olivia is still killing it in PT school. She started her clinicals this semester and is getting some hands-on experience. And even with all of the hustle and bustle, Sharon and I could take some time out and attend the phenomenal Children’s Advocacy Center’s Gala. I cannot leave without mentioning my favorite grandbaby, Mia. She continues to amaze me daily, and I think she likes spending time with her Nonny and Pappy. I absolutely adore this little sack of sugar! However, she does have a little competition. We recently acquired a new family member, Jaeger. He is a Deutsch-Drahthaar and is currently in “boot camp” learning to hunt quail. He is pretty cute, but I think Mia takes the cake.

RFG Stories - Nick Noll Our youngest, Emily, kicked off high school this year, and let me tell you, the mix of nerves and thrill was real for all of us. She's diving in headfirst, making new friends and jumping into every event the school throws her way. So far, it's been an absolute blast for her. We also completed our fall softball season and came out as champs!! Coaching her team is such a joy! In the middle, Addison is loving her junior year and made the most of summer by interning with my wife at her medical practice. She's set her sights on a medical career and is already researching colleges to make those dreams a reality as she wraps up high school. What a whirlwind of excitement and change in the Noll household lately! As many of you know, our oldest, Kylie, took a huge step this fall by heading off to Murray State College— our very first kid in college. It's been an emotional rollercoaster of pride, nerves, and pure joy. She's already shining on the soccer field, wrapping up her freshman season with a strong impression on the coaches and advancing to the second round of playoffs. We're counting down to next year's games! Family Milestones & Adventures

Fall hit with a busy back-to-school and sports schedule. Our kids decided to try a hybrid homeschool program this year, and they have enjoyed the mix of learning between school and home. They have also been trying out a few new sports this year. This fall, I was able to coach Carson’s soccer team, the Mighty Giraffes (by majority vote). In between the countless ‘water breaks and various other distractions, he was able to score a few goals! Calvin has been enjoying Taekwondo and attended his first tournament last month, where he took first place in combat sparring and third place in both traditional sparring and weapons. He does get a lot of practice at home sparring upstairs with his brother! The highlight of fall was going on a kid-free vacation with Sarah to Costa Rica for a week with two other couples. We went from the rainforest to the Arenal Volcano and finished at the beach. We were able to enjoy the diverse landscapes, food, and activities of the three regions. If you have never been, I highly recommend visiting it. My wife and I hit some big milestones on the home front: our 18th wedding anniversary and her 40th birthday! We celebrated in style with a family getaway to Broken Bow, renting a cozy cabin for the week. Hiking, laughing, and creating memories we'll cherish forever was the perfect recharge. Here's to more adventures ahead! RFG Stories - Mike Lemich

RFG Stories - Ryan Schroer Erica and I took a trip to Switzerland to celebrate our 20th anniversary, and it was fantastic. The scenery, the people, and the food (especially chocolate!) were wonderful. We had a great time traversing the country via train and experiencing the German, French, and Italian-speaking regions of the Swiss wonderland. The last few months have provided some great opportunities to experience nature. We spent some time on Lake Palestine catching catfish, catching cutthroat trout in ID, and catching bass in MO. From floating the Current River in Missouri to hiking the Alps in Switzerland, God’s glory was on full display the past few months. We are looking forward to spending more time outdoors, enjoying the cooler weather, and celebrating the holiday season with family and friends. The kids have been begging for a dog lately, so the million-dollar question is… will they get a dog for Christmas? Only time will tell…. Fishing, Trekking, and Football

The boys played football this fall, had a great time, and escaped with no injuries. Our daughter played volleyball for the first time, so it was a learning experience for all of us. Much improvement was made between the beginning and the end of the season. It’s certainly an activity-laden season of life for our family, but it is a blast watching them. RFG participated in the Flower Mound Chamber of Commerce Clay Shoot and the Cross Timbers Rotary Duck Derby. We are proud to invest and support in our local community. The firm continues to grow by delivering exceptional value to our clients, and it's our joy to serve others.

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