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- Custodian
- Capital Group · Charles Schwab & Company
- Clients
- Retail and Institutional
- Platforms
- Available in AdvizorPro
- Established Date
- 08-01-1986
- Office Locations
- 5
Office Locations
About Advance Capital Management INC
Advance Capital Management provides personalized financial planning and investment management for individuals and families building wealth or transitioning into retirement. The firm creates comprehensive plans and provides ongoing portfolio guidance focused on retirement income and long-term goals. A notable niche is dedicated education and planning resources for AT&T employees’ retirement benefits.
Reported data analysis
What the numbers show
Between November 7, 2025 and March 26, 2026, reported AUM increased 10.6%, from $4.5B to $5.0B.
Across 5 reported observations, AUM increased 22.4% between November 4, 2022 and March 26, 2026, from $4.1B to $5.0B.
Of the latest reported AUM, 98.5% is discretionary and 1.5% is non-discretionary.
The firm reports 29 advisory representatives and 7,365 clients, or 254 clients per representative. That equates to $676.3K in reported AUM per client.
The profile lists 5 reported office locations and 40 years in operation. The source data was last updated on March 26, 2026. Figures reflect reported regulatory data and may not include subsequent changes.
Team overview
Additional firm insights
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Available data coverage
- Asset Classes
- Client Personas
- CRM
- Custodian
- Investment Themes
- Investment Vehicles
- Platform
- Services
- Technology
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The full Advance Capital Management INC record includes the detailed values behind these data categories, along with filters and export-ready prospecting fields.
Owner & Executives
RAYMOND AUGUST RATHKA
Advisor
- CRD
- --
- Ownership
- 10% but less than 25%
ELIZABETH COLLEEN GARDNER
Chief Compliance Officer, Managing Director
- CRD
- --
- Ownership
- Less than 5%
Showing 2 of 8 owners & executives
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EMILY PATRICIA CELY
--
- CRD
- #6333923
LUIS ALEJANDRO CELY
--
- CRD
- #5977075
Showing 2 of 35 contacts
Unlock allAssets Under Management
| Category | Assets | AVG. Account size |
|---|---|---|
| Discretionary | $4,904,620,288 | $346,323 |
| Non-Discretionary | $76,220,363 | $113,255 |
| Total | $4,980,840,651 | $335,749 |
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Separately Managed Accounts
SMA allocation detail is available
Advance Capital Management INC has reported separately managed account data across 3 asset classes. AdvizorPro provides the associated asset values, allocation percentages, and exportable breakdown.
13F Holdings | Q2 2026
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Advance Capital Management INC's 13F holdings detail is available for Q2 2026, including issuer, security class, CUSIP, ticker, portfolio weight, and reported value.
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