SC Financial Services

What SC Financial Services does

SC Financial Services, Inc. is a privately held Registered Investment Advisor (RIA) operating as a d/b/a of Avior Wealth Management, LLC (principal office in Omaha, NE). Founded in 2003 in Scottsdale, Arizona, the firm operates with 1-10 employees and provides three subscription-tier advisory services: Financial Foundations (an entry-level planning and optional investment management package for individuals beginning their financial journey, billed annually); Personal CFO (a full-service, concierge-style offering for pre-retirees and retirees covering financial, estate, tax, and insurance planning with monthly or quarterly check-ups and CFO-on-call access, billed monthly); and Business Transition & Consulting Services (exit planning for business owners, delivered through the sister company Optimized Business Transitions, LLC, billed as professional-services fees).

Technology and platform delivery is built on third-party integrations rather than proprietary infrastructure. Client-facing tools include a net-worth dashboard and mobile applications (Apple and Android) provided through WealthAccess, a secure ShareFile-based document portal, and Charles Schwab as custodian with access to Schwab's institutional investment strategies (private equity, private credit, real estate funds) typically unavailable to retail Schwab clients. Risk tolerance assessments are delivered via the embedded Riskalyze platform, and prospect booking is handled through Calendly.

The business model combines recurring subscription fees for advisory relationships with episodic project-based revenue from business transition engagements. The firm is led by Sharlee L. Cretors (President & CEO, CFP since 1993) and her husband Kurt Cretors (VP & COO, AWMA/CEPTA), with a former Charles Schwab branch manager serving as Investment Representative. GTM relies on a sales-led advisor model supported by content marketing (blog, educational guides such as the Medicare navigation PDF) and community engagement through charity spotlights, with a free initial consultation as the primary conversion mechanism. As a federally registered RIA, the firm serves clients nationally, although the operational footprint is single-office in Scottsdale.

Name

SC Financial Services

Legal name

SC Financial Services, Inc.

Website

https://scfinancialservices.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

SC Financial Services is a Scottsdale-based Registered Investment Advisor offering subscription-tier personal financial planning, retirement-focused concierge services, and business transition consulting for pre-retirees, retirees, and business owners nationwide.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Financial planning services
• Investment advisory
• Retirement planning
• Business exit consulting
• Wealth management

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Investment Advisory Services: Registered Investment Advisor providing investment advisory services for clients nationally. Services include investment management, financial planning, and related advisory services. Securities accounts custodied through Charles Schwab.
2. Personal CFO Services: Full-service financial advisory offering financial planning, estate planning, tax planning, insurance review, alternative investments, and concierge services for specialty purchases. Includes monthly or quarterly check-ups.
3. Business Transition Consulting: Exit planning and consulting services for business owners, offered through sister company Optimized Business Transitions, LLC. Includes specialized analysis, financial modeling, integrated transition plans, and implementation services.
4. Financial Foundations: Basic financial planning service with optional ongoing investment management. Includes personalized planning sessions, twice-yearly check-ups, estate planning assistance (additional fee), and access to client dashboard and portal.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

SC Financial Services provides personalized financial planning, investment management, and business transition consulting through three service tiers: Financial Foundations (entry-level planning for individuals starting out), Personal CFO (concierge-style full-service financial management for retirees and pre-retirees), and Business Transition & Consulting Services (exit planning for business owners). Securities are custodied at Charles Schwab, and the firm operates as a Registered Investment Advisor serving clients nationally.

Product overview

SC Financial Services offers a three-tier financial advisory service model: Financial Foundations (entry-level comprehensive planning with optional investment management), Personal CFO (full-service concierge financial management for retirement-phase clients), and Business Transition & Consulting Services (exit planning through sister company Optimized Business Transitions). The company also provides integrated digital tools including the Client Dashboard (via WealthAccess), Client Portal for secure document management, and access to Schwab's institutional investment platform. Supporting resources include a free Medicare navigation guide and charitable giving educational content.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Foundations Entry-level financial planning and optional investment management service for individuals just starting out or with simpler financial situations. Includes personalized planning sessions, twice-yearly financial check-ups, optional full-service investment management, optional estate planning assistance (small additional fee), and access to the client dashboard and portal.
• Personal CFO Full-service, concierge-style financial management for clients approaching or in retirement. Provides comprehensive services including financial planning, estate planning, asset protection, tax planning, insurance review, alternative investment recommendations, concierge service for specialty purchases, monthly/quarterly check-ups, and on-call CFO access.
• Business Transition & Consulting Services High-level exit planning and execution services for business owners, delivered through sister company Optimized Business Transitions, LLC. Options include ownership/management structure changes, family retention, internal sales to employees, external sales, IPOs, or diminishing involvement strategies, with specialized analysis, financial modeling, integrated transition plans, and implementation services.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Avior Wealth Management, LLCcoreOthersAvior Wealth Management, LLC is the parent company of SC Financial Services. SC Financial Services is a d/b/a (doing business as) of Avior Wealth Management, LLC, which is a Registered Investment Advisor with its principal office in Omaha, NE.
• Charles SchwabcoreTechnology or IntegrationSecurities accounts are custodied through Charles Schwab. The firm also provides access to Schwab's institutional investment strategies and models through their platform, including private equity, private credit, and real estate investment funds not available to Schwab's retail clients.
• WealthAccesscoreTechnology or IntegrationWealthAccess provides the SC Financial Client Dashboard - a comprehensive net worth balance sheet with mobile apps for Apple and Google/Android devices, fully integrated with SC Financial systems.
• Optimized Business Transitions, LLCcoreStrategic or Co-development PartnerSister company specializing in business exit planning and transition services. OBT assists business owners in formulating and executing transitions from leadership positions, including monetization strategies, estate planning, and implementation services.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Mercer Advisors: National RIA providing comprehensive financial planning, investment management, and tax/estate services to HNW and retirement-age households — directly comparable to SC Financial's Personal CFO service with greater geographic coverage.
• Carson Group: Large RIA and advisor-support platform providing financial planning, investment management, and business consulting services to advisors and their clients — overlapping with SC Financial's service tiers and serving similar small-business-owner and retiree segments.
• Edelman Financial Engines: Large RIA serving as both a personal financial planning practice and an enterprise workplace advisory platform — comparable to SC Financial in targeting both individuals and business-owner clients with retirement-phase services.
• Mariner Wealth Advisors: National RIA delivering comprehensive financial planning, investment management, and specialized practice areas (including business exit planning) to HNW clients — comparable service mix to SC Financial but at materially greater scale.
• Creative Planning: Large, nationally scaled RIA offering comprehensive financial planning, investment management, and concierge services — overlapping directly with SC Financial's Personal CFO and Financial Foundations tiers but with vastly greater scale and geographic reach.

Direct peers

• Avior Wealth Management: Parent RIA entity of SC Financial Services (operating as d/b/a). Directly comparable registered investment advisor providing financial planning and investment management, with the same Omaha-based SEC-registered platform that supports SC Financial.
• North Star Resource Group: Mid-sized financial advisory firm specializing in comprehensive financial planning, retirement planning, and business exit/succession planning — overlapping with SC Financial's full service mix and similarly focused on owner/entrepreneur clients.
• Ronald Blue Trust: Faith-based, financial-planning-led RIA serving individuals, families, and business owners across the U.S. — closely comparable to SC Financial in service mix (financial planning, investment management, charitable/legacy planning) and target segments.

Emerging players

• Facet Wealth: Tech-enabled, flat-fee financial planning firm offering comprehensive planning and investment management to a national audience — overlaps with SC Financial's Financial Foundations and Personal CFO tiers but delivers via a remote, digitally native model.

Others

• WealthAccess: Technology/integration partner that supplies SC Financial's Client Dashboard; thematically related as a wealth-tech platform enabling RIAs to deliver digital client experiences — relevant ecosystem participant rather than direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SC-Financial-Services-Inc-226773664936769
• LinkedInlinkedin.com/company/sc-financial-services-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SC Financial Services