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Private Credit Is Reshaping Portfolio Strategy. Some Advisors Are Leading the Shift.

  • Writer: R. Levi Smith III
    R. Levi Smith III
  • Mar 10
  • 3 min read

Updated: Oct 28

Amid a changing market, planners are turning to private real estate debt for stability, yield, and strategic alignment.


Advisors are navigating a more complex investment environment. Market volatility, uneven performance in traditional fixed income, and shifting client priorities have made it harder to rely on legacy models. Many are rethinking the tools they use to meet income and planning needs across retirement, liquidity events, and estate transitions. The search for solutions has led to a clear pivot: private credit is gaining ground.


According to the Financial Planning Association’s 2025 Trends in Investing Survey, advisor allocations to private debt rose from 12.5% to 19.4% over the past year—a 55% increase. The trend is accelerating, driven by advisors looking for structures that align better with the planning realities their clients face today.


Market Complexity Creates a Gap

Public bond markets no longer offer the same cushion. Clients facing tax-heavy sales or transitioning out of active business roles need income that doesn’t carry the same exposure or volatility they’re trying to leave behind. Traditional products often fall short of solving for cash flow, capital preservation, and planning flexibility.


Many advisors see the path forward. What they need is access—and a partner who can help them bring these tools to life.


A Guide with Access and Alignment

RCX Capital partners directly with institutional real estate sponsors to bring curated credit and equity offerings to planners, RIAs, and family offices.


These sponsors focus on direct, middle-market transactions in the $10 to $100 million range. They underwrite with care and structure with clarity. RCX serves as a trusted guide, giving advisors a focused entry point into this space, backed by rigorous due diligence and experienced support.


A Simple Plan for Advisors

  1. Clarify the planning need—post-sale, income generation, risk diversification, or legacy

  2. Review current offerings—pre-screened opportunities with asset-level transparency

  3. Engage RCX for positioning guidance, sponsor insights, and execution support


RCX handles communication with managers, provides institutional-grade materials, and helps advisors stay focused on the client relationship.


A Clear Outcome

Advisors who act on this shift build portfolios that are better structured for today’s conditions. Clients receive targeted exposure to income-generating assets backed by real collateral. And advisory teams reinforce their position at the center of the client’s most important financial decisions.


Avoiding the Trap of Inertia

Standing still means falling behind. Advisors relying solely on outdated models face limited flexibility and growing client frustration. Missed opportunities compound over time. The cost isn’t just portfolio performance—it’s relevance and trust.


From Constrained to Capable

With the right tools and support, planners become architects of smarter portfolios. RCX helps make that possible.


We work with a select group of firms to integrate private real estate credit into comprehensive planning strategies—aligned to income, succession, and long-term stewardship.


This is not an offer or solicitation to buy or sell any securities. 

Some of the risks related to investing in commercial real estate include, but are not limited to: market risks such as local property supply and demand conditions; tenants’ inability to pay rent; tenant turnover; inflation and other increases in operating costs; adverse changes in laws and regulations; relative illiquidity of real estate investments; changing market demographics; acts of God such as earthquakes, floods or other uninsured losses; interest rate fluctuations; and availability of financing. Investments in real estate or real estate securities are not guaranteed and have the potential to suffer losses.


This site provides brief and general description of certain tax strategies including Opportunity Zones, Sections 1031, 1033, and 721 Exchanges. There are various risks related to purchasing securities as part of any planning strategy, including tax complexity, illiquidity and restrictions on ownership and transfer. RCX Capital Group and its representatives do not provide Tax Advice. Because each prospective investor’s tax implications are different, all prospective investors should consult with their tax advisors.

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