RFG Wealth Advisory Team News Fall '26

RFG Stories - Chris Robinson Fall is my favorite time of year. TEAM NEWS Fall 2026 We have had big changes at the Robinson household! We actually had all four of our children living with us this summer. It was a lot of fun, and we tried to enjoy it as much as possible. Our son Jacob medically retired from college football and transferred to the University of Oklahoma. He never really got the college experience because of football; he had never been in a college classroom since all football players took online courses. He is really enjoying OU and tells me he enjoys going to class. He thinks he will learn a lot better in person, too. He is majoring in accounting. Our son Ben is now a freshman at the University of North Texas. He is living in the dorms and also studying accounting. He is staying very busy, though we get to see him a few times a week, which is nice.

Chris Robinson Our daughter Molly turned 16 this summer and may be busier than all of us. She is driving herself around now, which is hard to believe. She is a sophomore at Argyle High School and on the tennis team. She is a very serious student and has very little time for herself between tennis and school. She is already considering colleges and will have good enough grades to go anywhere she wants. Perhaps we have a future doctor or lawyer in the family! Crazy how fast the last 14 years have gone. As I write this article, the temperature is finally starting to drop. What a long hot summer. I can’t wait for fall weather! Fall is my favorite time of year. We have several new faces at RFG, which is very exciting. I hope you get to meet them all soon!

RFG in Action The Amazing FundRACEr is an annual "Amazing Race"- style fundraising event hosted to benefit PediPlace , a Lewisville-based nonprofit pediatric healthcare provider serving children in Denton County and North Texas. RFG Wealth Advisory was well represented by Ryan Schroer and team during the 2026 FundRACEr. Susan Dawson was privileged to support the Children’s Advocacy Center for North Texas at their annual Gala, which helps fund counseling and justice services for children in Denton, Jack, and Wise counties. She donated an original acrylic painting as part of a “Comfort at Home” raffle package. Mike and Susan were joined by John & Mary Hook.

Welcome New Team Member Jess Fairchild Financial Adviso r Hello, I am Jessica Fairchild, Financial Advisor at RFG Wealth Advisory. Native to North Texas, I currently live in the Frisco, Texas area and enjoy working in the Argyle office. I spend most of my time outside the office with my daughter, River, and my family in the Wichita Falls, Texas, area. I graduated from Vernon College and Midwestern State University before completing my Financial Planning education at Texas A&M University. After a decade and a half as a financial advisor, my greatest professional joy is building comprehensive strategies that align with clients’ goals and values in a way that improves their quality of life. I believe in bolstering each client’s experience by truly understanding the nuances that matter in each financial plan and executing strategies that make a tangible difference over time.

RFG University How to Divide Your IRA Among Multiple Heirs If you’re planning a legacy for more than one heir – perhaps your spouse, children, or grandchildren – naming multiple IRA beneficiaries is a smart starting point. However, without careful strategy, it can lead to disputes, tax inefficiencies, and forced distributions that diminish your intended gift. The solution is straightforward: follow key IRS timelines and structures to ensure each beneficiary receives their share efficiently and with optimal tax treatment. Why Name Multiple IRA Beneficiaries? This approach lets your IRA assets flow directly to several individuals or entities, bypassing probate and avoiding the need for separate accounts during your lifetime. It’s efficient – until deadlines come into play. Multiple beneficiaries are defined once you list more than one. That’s your cue to plan ahead. September 30 of the year following your death is when the IRS determines your designated beneficiaries – those eligible for extended distribution options like life expectancy stretches or 10-year periods. Non-designated beneficiaries (such as estates, charities, or non-qualifying trusts) must be fully distributed before this date to protect the others’ benefits. Read the full article here Watch the video summary here

RFG Stories - Susan Dawson Travel and art remain my themes for this summer and fall. I’m so excited to travel to new places, and Iceland was a lovely surprise. I didn’t really know what to expect, although I’d read and researched before our cruise. The amount of volcanic activity and continental tectonic plate movement in this 40,000- square-mile country is remarkable. Kentucky is about the same size. Our Viking team ferried us around the country, and we enjoyed every minute of on-ship and off-ship time. Highlights include Reykjavik, the capital and most densely populated city. Our time there included a “Through the Lens” tour with professional photographer Sig Olafsson, featured in numerous publications for his photos of active volcanic eruptions. The sheer volume of geological information explained to us in this 7- hour tour was astounding. Iceland was formed by volcanic activity at the end of the Mid-Atlantic Ridge, a completely submerged mountain range that runs from Iceland all the way past South America. https://whc.unesco.org/en/activities/504/ The trip included many beautiful stops with hikes and fish lunches in almost every place. It’s a trip I won’t forget.

RFG Stories - Emilio Gonzalez Art Show by Susan Dawson isn’t something I thought I’d ever say, but it happened. The wonderful people at Thrive Pilates in Flower Mound offered to host a show for me as a new artist and client of their gym. It was a lot of work but so much fun. About 30 guests joined us to see what I’m up to in my “outside work” time and enjoy the 24 paintings I displayed. The theme was “New Beginnings.” I chose it because I’ve been doing Pilates for about 8 months and began painting only a few months before that. You can start something new no matter what your age! What will you start new before 2027? Well, Mateo (18) (our youngest) is settled in for his freshman year at Texas Tech, an d Sharon and I are in the “honeymoon” period of the Empty Nest season. It is a little quieter on the home front, and the fridge is a little lighter. Our grocery bill has significantly decreased, but I sure miss feeding all his football buddies from time to time. My financial advisor will probably tell me to add those savings to my after-tax investments...wink, wink!! Mateo is doing well and settling into his dorm. He has a slew of new friends and has taken up Jujitsu to scratch that competitive itch. He is really enjoying the college life and his new sport; he is pretty good at it too. After he completes his degree, he may be the most dangerous CPA in the West.

To soften the sudden shock of the empty nest, we do get some gorgeous visitors from time to time. Olivia (25) makes a good effort to bring our granddaughter, Mia (3), by often. They both get more talented by the day. Mia loves to entertain us with her creativity and song-and-dance routines, and Olivia is finishing up her clinical internships as she winds up her Doctorate Degree in PT. Diego (27) and I have been hitting the weight room fairly consistently at 5:30 am for over a year now. As the weather cools off (if it ever will), we will pick up our rucking routine again for some good cardio. Big news of the quarter....Isabella (26) is due in the Oct/Nov timeframe. She is having a girl, so, I will be up to my ears in sugar with a granddaughter in each arm. So excited for her new chapter. Since she is living in Oklahoma, we may have to figure out how to alter the birth certificate with a Texas stamp! Sharon and I have taken a few short road trips as a warm-up to our newfound free time. Thank you all for sharing your great traveling adventures; we will use your guidance to forge some memories of our own... feel truly blessed to share them with you.

RFG Stories - Nick Noll As we move into fall, I wanted to pause and share a little of what’s happening at home and, more importantly, to thank you. Kylie is back at Murray State and back on the soccer field. College life and a full season is a lot to juggle, but she’s all in, and we’re proud of how she’s handling both. Addison kicked off her senior year and is doing all the classic senior things: the games, the milestones, the “this is really happening” moments. It’s a big year in our house, and we’re trying to soak it in. Emily’s softball team won the championship, which was a fun cap on her season. Now the next chapter is already underway: we’re teaching her to drive, as she turns 16 in April. That’s been equal parts exciting and a reminder that time is moving fast. Closer to home, Chelsea and I just celebrated 18 years of marriage. Eighteen years of family, work, and the usual chaos in between. We’re grateful for it.

RFG Stories - Mike Lemich It was an exciting summer for our family as we took the kids out of the country for the first time. We went to Baha Mar in the Bahamas, and the kids loved swimming, the water park, exotic wildlife, and sea creatures. They put in a full 12 hours of sun each day and slept very well every night. While I was there, I learned that you should always know which side of the road you are supposed to be driving on BEFORE you start driving. A heads-up at the rental car counter that they drive on the left side of the road would have been much appreciated and more pleasant than figuring that out by having cars coming at me head- on at 50+ MPH 😊 If you ever go to the Bahamas, you've been warned! Besides that quick adrenaline rush, the trip was a blast. We also spent time up at our favorite lake in Oklahoma (Lake Eufaula) and Carlton Landing. All of that is a long way of saying we’re thankful for you. The work we get to do at RFG only matters because of the families who trust us with it. If something comes up, please don’t hesitate to reach out. We’re here.

RFG Stories - Ryan Schroer Back to school started with a bang. Carson is thriving at his new kindergarten at a Montessori school on a 2-acre farm where he can run, play, and hopefully learn to read. Calvin started his second year in his hybrid homeschool program, where he goes three days a week. Anastasia is fully homeschooled and trains in gymnastics during the day with her other homeschooled teammates. Calvin and Anastasia both got cast in the musical 'How to Train Your Dragon' this fall, and it has been fun watching them memorize lines and songs together. They also practice and perform together in a kids' rock band, where Calvin plays keyboard and Anastasia sings. When not performing, Calvin is busy with basketball and Anastasia with gymnastics. Carson is still our little ninja and is playing fall baseball. He is just starting a 'Rookies' hockey program, a free program put on by the Dallas Stars. Beyond that, we are more than ready for the heat to calm down a bit so we can truly settle into football season with some decent weather. Hope everyone had a great summer, and I look forward to hearing about your adventures! Our crew has been adjusting from summer vibes to fall routines, and the past few months have been defined by full days. We had the opportunity to spend time in Washington, D.C., with the Flower Mound Chamber of Commerce representing Denton County, Texas. It was a great hands-on civics lesson for our 13-year- old.

Summer kicked off at high speed in June with science camp adventures, early morning swim team practices, and Pine Cove camp for all the kids. We spent some time exploring Central America's natural wonders and getting acquainted with all types of flora and fauna. Now that September is in full swing, our weekly rhythm has shifted toward fall athletics. Our oldest started high school this year and is on the wrestling team, and our middle son is playing football. Our oldest also got his driver's permit, so that's been a new experience for everyone involved. We look forward to some cooler, wetter weather this fall and continuing to serve our clients well. If you know someone we can serve, we'd be happy to help – and we'll make you look good in the process!

RFG Stories - Lanette Frost Since last quarter, it’s been a busy— and very fun!—season for our family. Lydia graduated from high school and has officially joined big brother Ben at TCU, giving us two Horned Frogs to cheer on! As an Interior Design major, Lydia is diving headfirst into three Design classes as she prepares to apply to the program at the end of the semester. No pressure! Ben had quite the summer, serving as Rush Chair for his fraternity while also working a job and completing a Real Estate internship. He is now enjoying a new internship with a finance company while juggling his junior-year classes. We had a ball at TCU Family Weekend, squeezing in sorority and fraternity events, dinners, tailgates, and, of course, the football game. Go Frogs! My youngest, Sophie, is an 8th grader this year and is loving both her classes and teachers. She also loves volunteering at church with the elementary kiddos and stays busy as an active member of our youth group. She and I are still having a wonderful time in our local chapter of National Charity League, where we serve in leadership roles and have the privilege of teaming up with many amazing local organizations that are near and dear to our hearts. After a fun-filled summer of trying to stay cool under our warm Texas sun—with two family reunions, water park days, family cookouts, fishing, and celebrating America’s 250th birthday—we’re soaking up the last bits of summer and looking forward to all the fun, football, and fall activities ahead!

RFG Stories - Michael Tull Summer has finally come and gone, but the heat still remains. I will say that we made the most of it. With 3 boys, there is no shortage of activity. Stef and I got the opportunity to take Cayden to the Masters in April, and it was an experience unlike any other. We took it all in and ate more pimento cheese sandwiches than any reasonable person could even understand. Cayden got after it with his summertime golf schedule. We always kick off that summer season with the Texas-Oklahoma Tournament where I’m the caddie for 3 days. If you ever want to test your patience for a few days, sign up to let your oldest son be the boss in a competitive environment. Casen is about to be back in the thick of baseball and football season, so juggling multiple sports and school is challenging but rewarding. I would say that he’s our busiest kiddo, and this fall will be much the same. I’ll be interested to see what he ultimately focuses on as he gets older.

Connor is starting middle school, and some growing pains come with jumping between multiple classes and having a little more independence than elementary school provides. He’s hanging in there, and even though he’s the youngest, he holds his own when he needs to. We got to take a week down in Cabo San Lucas, and the boys enjoyed the vacation. They’re all getting to the age where entertainment options are almost endless, but so are the opinions on what that should be. I’m excited to see where the fall takes us! RFG Stories - Rylie Reynolds I have really enjoyed slowing down and appreciating the simple things. Some of my favorite evenings have been spent on walks, enjoying the warmer weather. It has been nice to get outside, spend time together, and talk about all the excitement that comes with becoming parents. This summer is one we will always remember because it has marked the beginning of a very exciting new chapter in our lives. The biggest part of our summer has been that I’m pregnant with our first child. While it has looked a little different from past summers, it has been filled with moments we will always look back on and cherish.

Another favorite part of our summer has been sitting by the pool. Relaxing in the sunshine has been the perfect way to unwind and stay cool during these hot summer days. However, since this has been our first summer in Texas, I am hoping it starts to cool down soon! We also made time for some fun outings, including going to a couple of Rangers games. Spending a summer evening at the ballpark, cheering on the team, enjoying the great food, and taking in the atmosphere always makes for a fun night. I think what makes this summer so special for us is knowing that life is about to change in the best possible way. Our house is full of excitement and anticipation for what the coming months will bring! RFG Stories - Jess Fairchild Summer 2026 was a season of transition for me as I joined the RFG team, which has turned out to be the biggest blessing of my life. My daughter River graduated from second grade to third and was honored at the end-of-year awards. She received the special classroom award, had perfect attendance, the Capturing Kid’s Hearts for Courage award, and was named an honorary dairy farmer.

I picked up the study books to prepare for the Certified Financial Planner exam and have enjoyed refreshing the nuances of financial planning while staying up to date on current regulations and options to help clients achieve their goals. I am particularly keen to expand my knowledge base further and bring the most up-to-date information to clients and their families. River enjoyed time on the family farm, helping care for the animals, big and small. She has aspirations to be a vet when she is older. She helped care for two bottle calves and loved naming them and watching them grow and develop. This fall, our family is looking forward to celebrating many birthdays and milestones. The biggest blessing of this season has been expanding my circle and getting more involved in the local community. I have enjoyed meeting the people in Argyle and the surrounding community. I am grateful for the opportunities for growth and personal development that have presented themselves this year. Thank you all for the warm welcome; it has been such an honor to join the RFG community.

Financial Success Doesn’t Happen by Chance. It takes Careful Planning and Expert Advice. Connect with Us! Chris@RFGWealthAdvisory.com - Ryan@RFGWealthAdvisory.com Emilio@RFGWealthAdvisory.com - Mike@RFGWealthAdvisory.com Susan@RFGWealthAdvisory.com - Nick@RFGWealthAdvisory.com Lanette@RFGWealthAdvisory.com - Michael@RFGWealthAdvisory.com Rylie@RFGWealthAdvisory.com - Jess@RFGWealthAdvisory.com Peter@RFGWealthAdvisory.com Thank You For being part of the experience that is RFG Wealth Advisory. 940-464-4104 Service worth sharing? Introduce us today .