Oswald Financial
Oswald Financial is an SEC-registered investment advisory firm providing retirement plan advisory, fiduciary, and wealth management services to corporate plan sponsors and individual investors, operating as a subsidiary of Unison Risk Advisors.
- Company typePrivate
- Founded1999
- HeadquartersCleveland, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Oswald Financial does
Oswald Financial, Inc. is the retirement plan services and wealth management division of Oswald Companies, now operating as a subsidiary of Unison Risk Advisors Inc. following the 2021 merger of Oswald Companies and RCM&D. Headquartered in Cleveland, Ohio with an additional Columbus office, the firm serves two primary customer segments: corporate plan sponsors (employers managing 401(k), defined benefit, and non-qualified deferred compensation plans) and individual investors seeking retirement readiness and wealth planning. Core offerings include Plan Sponsor Services (fiduciary support, plan design consultation, benchmarking, fee transparency), Fiduciary Services with 3(16) and 3(38) capabilities, Workplace Financial Wellness, Coaching Corner (one-on-one employee education), and Defined Benefit plan risk management.
The firm has built a differentiated product stack around fiduciary risk management, anchored by the proprietary Fiduciary Vault documentation platform, the Fiduciary Co-Pilot Program (launched February 2025) integrating 3(38)/3(21) advisory with documentation, FiduciaryRx for 3(16) administration outsourcing, and the Unison Risk Advisors Pooled Employer Plan (launched March 2021 in response to SECURE Act legislation). Technology partnerships with Voya Financial (recordkeeping) and The Platinum 401k (3(16) administration) operationalize the PEP. The firm operates as an SEC-registered investment advisor through Global Retirement Partners (DBA Oswald Financial), with securities offered through LPL Financial (FINRA/SIPC member), enabling a revenue mix of AUM-based advisory fees and securities commissions on multi-year enterprise contracts.
Oswald Financial differentiates through its independence, the scale of its parent (Unison Risk Advisors ranks among the top 30 U.S. brokerages and top 5 independently owned firms), deep certification stack across its advisor bench (CPFA, AIF, ChFC, CPA/PFS, CRPS, QKA), and sustained industry recognition including PLANADVISER 2022 Retirement Plan Adviser of the Year (DEI), multiple NAPA Top DC Advisor Team honors, and Financial Times Top 401 listings. GTM is relationship-led, high-touch consultative sales with dedicated advisors serving corporate plan sponsors and individual investors, supported by thought leadership content, webinars, and educational resources.
Oswald Financial firmographics
Firmographics- Name
- Oswald Financial
- Legal name
- Oswald Financial, Inc.
- Website
- https://oswaldfinancial.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Oswald Financial is an SEC-registered investment advisory firm providing retirement plan advisory, fiduciary, and wealth management services to corporate plan sponsors and individual investors, operating as a subsidiary of Unison Risk Advisors.
- Ownership category
- akta.pro rank
Oswald Financial industry classification
Industry- Product category
- Retirement Plan Advisory
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)
- akta.pro secondary industries
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Business Owner & Executive Financial Planning (FSAEAAAO), Liability-Driven Investment (LDI) & Pension Risk Transfer (PRT) Asset Management (FSAAAGAI)
Keywords
Where Oswald Financial is headquartered
LocationHeadquarters
- HQ city
- Cleveland
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Oswald Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Securities and Retirement Plan Consulting: Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Other advisory services offered through Global Retirement Partners, DBA Oswald Financial, a registered investment advisor
- Investment Advisory Services: Investment advisory services provided through Global Retirement Partners, DBA Oswald Financial, an SEC registered investment advisor. Revenue generated through advisory fees typically based on assets under management or advisement
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom retirement plan services priced based on client-specific requirements |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Oswald Financial product offering
Product offeringCore offering
Oswald Financial provides retirement plan advisory and wealth management services to corporate plan sponsors and individual investors. Core offerings include 3(38) and 3(21) investment management, plan design and benchmarking, fiduciary support, employee financial wellness, executive benefits, and personalized financial planning. Securities are offered through LPL Financial and investment advisory through Global Retirement Partners (DBA Oswald Financial), an SEC registered investment advisor.
Product overview
Oswald Financial offers a comprehensive suite of retirement plan services and wealth management solutions. The core offering centers on Plan Sponsor Services providing fiduciary support, plan design consultation, benchmarking, fee transparency, and employee education. The company delivers services through multiple integrated modules including Fiduciary Services (3(16) and 3(38) investment management), Consulting Services, Employee Education, Workplace Financial Wellness, and Defined Benefit Plans. Wealth Management services include Investment Advice and Financial Planning. Additional offerings include Coaching Corner for one-on-one employee guidance, the Fiduciary Co-Pilot Program for fiduciary risk mitigation, and specialized benefits like Student Loan Repayment, Cash Back Towards Retirement, and Identity Fraud Protection. The company also offers pooled employer plan solutions through the Unison Risk Advisors PEP partnership.
Differentiator
Problem solved
Functional benefit
Brands
- FiduciaryRx: 3(16) fiduciary services platform for plan administration outsourcing
- Fiduciary Co-Pilot Program
- Coaching Corner
- Money Coach Program
Products and services
- Plan Sponsor Services Comprehensive retirement plan management services for employers including fiduciary support, plan design consultation, benchmarking and reviews, fee disclosure and transparency, and communication and education programs.
- Wealth Management Services Comprehensive wealth planning services for individual investors including investment advice, financial planning, retirement readiness, and executive benefits with ongoing goal and objective reviews.
- Fiduciary Services Fiduciary support and investment monitoring services, including 3(38) and 3(21) investment advisory services, comprehensive fiduciary training, and risk management tools for plan sponsors managing their fiduciary responsibilities.
- Unison Risk Advisors Pooled Employer Plan (PEP) Pooled Employer Plan 401(k) product allowing multiple unrelated employers to join a single shared retirement plan for cost savings, reduced fiduciary risk, and administrative efficiencies. Oswald Financial serves as ERISA 3(38) Investment Manager with The Platinum 401k as 3(16) administrator and Voya Financial as recordkeeper.
- Fiduciary Co-Pilot Program Program partnering with employers to mitigate fiduciary risks across operations, investments, and employee education, including Fiduciary Vault documentation, dedicated client manager, 3(38) or 3(21) advisory services, and personalized one-on-one support.
- Investment Advice Personalized investment advisory service helping clients identify and implement their investment philosophy while seeking to minimize risk through diversified approaches.
- Consulting Services Expert guidance on fiduciary responsibilities and administrative efficiency, providing plan sponsors with resources to understand requirements and avoid detrimental penalties.
- Employee Education Customized group and individual financial wellness programs including group education sessions and one-on-one solutions for retirement readiness across plan sponsor organizations.
- Workplace Financial Wellness Financial wellness programs aimed at reducing employee healthcare expenses, increasing productivity, reducing retirement savings leakage, and creating retention initiatives.
- Defined Benefit Plans Pension plan risk management services including investment volatility monitoring, liability discount rate analysis, and strategic balanced approaches to managing pension risk for employers.
- Coaching Corner Hands-on employee education and financial wellness coaching with one-on-one attention from education specialists, delivered through in-person seminars, pre-recorded and live webinars, and animated videos.
- Money Coach Program Monthly financial wellness coaching program providing ongoing financial guidance and support to plan participants through all stages of life.
- FiduciaryRx 3(16) fiduciary services platform providing plan administration fiduciary responsibilities outsourcing for plan sponsors.
- OswaldIRA Individual Retirement Account (IRA) product offering for personal retirement savings outside of employer-sponsored plans.
Quantifiable outcome
- 92% of employees do not opt out of automatic enrollment
- +4 more outcomes
Companies that use Oswald Financial
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Oswald Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Oswald Financial partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Voya FinancialcoreVoya Financial serves as the recordkeeper for the Unison Risk Advisors Pooled Employer Plan. One of the leading retirement plan providers in the U.S., Voya had $700 billion in total assets under management and administration as of Dec 31, 2020 and serves approximately 13.8 million individual and institutional customers.
- The Platinum 401k, Inc.coreThe Platinum 401k serves as ERISA 3(16) Plan Administrator and Pooled Plan Provider for the Unison Risk Advisors Pooled Employer Plan. Responsible for day-to-day oversight of the plan and compliance with all ERISA and IRS regulations. Terry Power has over 40 years of retirement plan industry experience and has been involved in installation of over 3,000 retirement plans.
- Unison Risk AdvisorscoreParent company established in 2021 through strategic merger of Oswald Companies and RCM&D. Represents one of the nation's largest privately held and employee-owned insurance brokerage and risk management firms. Ranks among top 30 largest brokerage firms and top 5 independently owned firms in the country. Provides risk management, insurance, employee benefits, and retirement plan services.
- LPL FinancialcoreSecurities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Separate entity from Oswald Financial.
- Global Retirement PartnerscoreOther advisory services offered through Global Retirement Partners, DBA Oswald Financial, a registered investment advisor and separate entity from LPL Financial. Investment advisory services offered under the Oswald Financial brand.
- Faegre Drinker Biddle & Reath LLPminorBradford Campbell, partner at Faegre Drinker, serves as featured speaker for Oswald Financial webinars on retirement planning topics including SECURE Act, fiduciary rules, and CARES Act implications.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
Oswald Financial competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Oswald Financial social profiles
Digital presenceOswald Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oswald Financial leadership team
Management profileNumber of profiles
Profiles15 records
Oswald Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oswald Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oswald Financial
What does Oswald Financial do?
Oswald Financial provides retirement plan advisory and wealth management services to corporate plan sponsors and individual investors. Core offerings include 3(38) and 3(21) investment management, plan design and benchmarking, fiduciary support, employee financial wellness, executive benefits, and personalized financial planning. Securities are offered through LPL Financial and investment advisory through Global Retirement Partners (DBA Oswald Financial), an SEC registered investment advisor.
Is Oswald Financial a public or private company?
Oswald Financial is a private company. It is classified as management employee owned and is currently operating.
When was Oswald Financial founded?
Oswald Financial was founded in 1999. It employs 11 to 50 people.
Where is Oswald Financial based?
Oswald Financial is headquartered in Cleveland, United States, in the North America region.
How does Oswald Financial make money?
Two revenue lines are on record. Securities and Retirement Plan Consulting is the primary driver. The others are investment Advisory Services.
Does Oswald Financial have an API?
No public API is recorded for Oswald Financial.
What industry is Oswald Financial in?
Oswald Financial's product category is Retirement Plan Advisory. Its primary akta.pro industry code is FSAAACAF, Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)), with a secondary code of FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension). Its NAICS code is 523940 and its SIC code is 6282.