What Complete Financial Solutions does

Complete Financial Solutions, Inc. is an independent, privately held financial services firm headquartered in Fuquay-Varina, North Carolina, with five additional satellite offices across Cary, Chapel Hill, Durham, Raleigh, and Wilmington. The firm serves high net worth individuals and retirees within North Carolina through an advisor-led, scheduled-meeting engagement model built around a proprietary four-step process (Discover, Analyze, Implement, Evolve) and a "Simple ONE Blueprint" retirement-planning framework. Its wholly-owned subsidiary, Quest 10 Wealth Builders, Inc., operates as an SEC Registered Investment Advisor and provides the investment advisory arm of the practice, while the parent entity distributes insurance and annuity products. Securities transactions are executed through Fidelity Investments and Charles Schwab as custodians, and the firm maintains an Orion Advisor-powered client portal for ongoing account access.

The company generates revenue through three streams: recurring investment advisory fees on assets managed by Quest 10 Wealth Builders, commissions on insurance and annuity products distributed by the parent entity, and securities transaction revenue routed through Fidelity and Schwab with the firm acting as introducing advisor. Specific fee schedules are not publicly disclosed; pricing is structured as a combination of AUM-based advisory fees, planning fees, and product commissions, finalized through direct engagement with prospects. The firm does not disclose or operate a proprietary technology platform; its technology footprint is composed of licensed third-party tools (Orion Advisor, ShareFile, webinar/web/content platforms) plus a marketing presence on YouTube, Facebook, and X/Twitter.

Go-to-market is enterprise-style field sales applied to a retail audience: licensed financial advisors acquire clients through educational events, classes, webinars, content (including Kenneth Stephenson's published book "The Retirement Harvest" and an "Annuity Myths" guide), and an online discovery form that converts prospects into scheduled one-on-one meetings. The firm operates exclusively within North Carolina and across a single customer persona (HNW individuals and retirees), with no disclosed institutional, employer, or plan-sponsor clients. No funding rounds, M&A activity, patents, awards, regulatory actions, or AI/ML capabilities are present in the source data.

Name

Complete Financial Solutions

Legal name

Complete Financial Solutions, Inc.

Website

https://completefinancialsolutions.org

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Complete Financial Solutions is an independent North Carolina financial advisory firm serving high net worth individuals and retirees through its subsidiary Quest 10 Wealth Builders (SEC RIA) and an in-house insurance/annuity practice, operating from six NC offices via advisor-led meetings.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (52421)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Retirement planning services
• Investment advisory
• Annuity products
• Wealth management
• Medicare planning

Headquarters

HQ city

Fuquay Varina

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Fees: Investment advisory services are offered through Quest 10 Wealth Builders, Inc., an SEC Registered Investment Advisory firm, generating revenue through advisory fees charged to clients for portfolio management and financial planning services.
2. Insurance and Annuity Product Distribution: Insurance and annuity products are offered through Complete Financial Solutions, Inc., generating commissions from the sale of these products to clients as part of customized retirement strategies.
3. Securities Transaction Revenue: Securities transactions for Quest 10 Wealth Builders, Inc. are placed through Fidelity Investments and/or Charles Schwab & Co., Inc., with the firm acting as the introducing advisor.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Complete Financial Solutions provides retirement planning, investment advisory, and insurance/annuity product distribution to individual clients across North Carolina. Through its subsidiary Quest 10 Wealth Builders, Inc., an SEC-registered investment advisor, the firm manages advisory portfolios, while the parent entity places insurance and annuity products and offers Medicare planning. Service is delivered via a four-step process (Identify, Plan, Execute, Monitor) across six North Carolina locations.

Product overview

Complete Financial Solutions appears to be a financial services company providing advisory, planning, and related financial solutions to clients. The source data contains significant corruption and encoding issues, making it difficult to extract complete product information. References to client portal access (Orion Advisor) and what appears to be a Quest platform/product are present, but detailed product descriptions cannot be reliably extracted from the garbled content.

Differentiator

Problem solved

Functional benefit

Brands

• Quest 10 Wealth Builders, Inc. The investment arm of Complete Financial Solutions, Inc. and a Registered Investment Advisor of the state of North Carolina. Securities transactions are placed through Fidelity Investments and/or Charles Schwab & Co., Inc.

Products and services

• Investment Advisory Services (Quest 10 Wealth Builders)

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and flagship.

• Fidelity InvestmentscoreOthersSecurities transactions for Quest 10 Wealth Builders, Inc. are placed through Fidelity Investments. This is a custodial and execution relationship for client investment accounts managed under the advisory firm's direction.
• Charles Schwab & Co., Inc.coreOthersSecurities transactions for Quest 10 Wealth Builders, Inc. are also placed through Charles Schwab & Co., Inc. as an alternative custodian and execution venue for client investment accounts.
• Quest 10 Wealth Builders, Inc.flagshipStrategic or Co-development PartnerQuest 10 Wealth Builders, Inc. is the registered investment advisory arm of Complete Financial Solutions, Inc., providing investment advisory services. It is a Registered Investment Advisor of the state of North Carolina and SEC Registered Investment Advisory firm. The two entities operate in an integrated fashion under the same leadership (Kenneth Stephenson), with Complete Financial Solutions handling insurance/annuity products and Quest 10 handling investment advisory.

Recent moves5 records

Expansion highlights4 records

Direct peers

• Carson Group: Independent advisor-focused platform supporting RIAs with retirement income, investment solutions, and practice management resources. Comparable integrated RIA-plus-coaching approach targeting retirement-age clients.
• Cambridge Investment Research: Independent broker-dealer and RIA support firm helping financial advisors deliver comprehensive planning, retirement, and insurance solutions. Comparable independent multi-product advisory model.
• Hightower Advisors: Independent RIA platform serving HNW individuals with comprehensive wealth, retirement, and financial planning services. Comparable independent advisory structure and target segment.
• Creative Planning: Independent, fee-based RIA providing comprehensive financial planning, retirement income, and wealth management to individuals and HNW households. Closely mirrors CFS's integrated advisory model and target client profile.

Broad incumbents

• Ameriprise Financial: Large established wealth manager with advisor network providing retirement planning, investment advisory, and insurance solutions to mass-affluent and HNW clients. Overlaps with CFS's holistic retirement-focused offering.
• Edelman Financial Engines: Large national independent financial planning firm focused on mass-affluent and HNW clients with integrated retirement income and investment advisory services. Highly comparable business model to CFS/Quest 10, but at much greater scale.
• LPL Financial: Largest independent RIA and broker-dealer platform in the U.S., supporting thousands of advisors offering retirement, insurance, and investment services. Indirect peer via the independent advisor ecosystem in which CFS operates.
• Cetera Financial Group: Large independent advisor support platform providing custody, technology, and compliance infrastructure to RIAs and insurance-licensed advisors. Overlaps with CFS's independent model of combining insurance distribution with RIA advisory.
• Focus Financial Partners: Investor-owned partnership of independent RIAs providing comprehensive wealth management, including retirement and insurance planning. Comparable integrated RIA-plus-insurance model at scale.

Emerging players

• RetireOne / Annexus Wealth Strategies: Annuity and retirement income-focused platforms supporting independent advisors in building fee-based retirement income practices. Closely aligned with CFS's annuity-centric retirement strategy offer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Complete_FS
• YouTubeyoutube.com/@kennethteam8476
• Facebookfacebook.com/Complete-Financial-Solutions-Inc-115038841862831
• LinkedInlinkedin.com/company/complete-financial-solutions-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Complete Financial Solutions