What 49 Financial does

49 Financial, operating through 49 Wealth Management, LLC (an SEC-registered investment adviser), is a values-based financial planning firm headquartered in Austin, Texas. Founded in 2015 within a Fortune 500 company and fully independent since 2019, the firm delivers comprehensive financial planning through a team-based advisor model rather than a single-advisor approach, targeting business owners and executives, pre-retirees, retirees, and private wealth/high-net-worth clients across all 50 U.S. states from 11 physical offices. Service offerings span the 49 Financial Core Planning Services (investment management, retirement planning, estate planning, tax mitigation, insurance, and business planning), 49 Private Wealth (HNW-focused estate-tax, legacy, generosity, and business-owner services), 49 Solutions (foundational planning), and Fractional Family Office Services (cross-advisor coordination for complex financial lives), supported by affiliate entities including 49 Management Company, 25 Giving, 818 Family Office, and Alongside.

The firm operates as an independent RIA with two core partnerships: Charles Schwab & Co., Inc. serves as primary custodian for client accounts, providing the trading, account-type, and investment-product infrastructure, while commissionable product sales are routed through Oakwood Capital Securities (an unaffiliated broker-dealer) — a relationship that has been strategically de-emphasized in favor of the fee-based RIA model. Revenue is generated through recurring investment advisory fees under a variable compensation model where advisors, as W-2 employees, are compensated based on the value they create for clients, supplemented by transaction-based commission revenue from Oakwood Capital. Customer acquisition is relationship-driven via personal networks, referrals, community involvement, and a multi-channel content marketing presence (LinkedIn, Facebook, YouTube, Spotify podcast, blog, Investment Insights), with leadership distributed across Market Vice Presidents and Senior Directors in each metro.

Name

49 Financial

Legal name

49 Wealth Management, LLC

Website

https://49financial.com

Company type

Private

Founded year

2015

Operating status

Operating

Short description

49 Financial is an independent, SEC-registered investment adviser that delivers team-based comprehensive financial planning to business owners, executives, pre-retirees, retirees, and high-net-worth individuals across 11 U.S. offices, using Charles Schwab custody and a fee-based advisory model.

Ownership category

akta.pro rank

Product category

Financial Planning and Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Business Owner & Executive Financial Planning (FSAEAAAO), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Financial planning services
• Investment advisory
• Wealth management
• Retirement planning
• Estate planning

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services provided through 49 Wealth Management, LLC, an SEC registered investment adviser. Services include financial planning, investment management, and holistic wealth management for individuals and families.
2. Commissionable Product Sales: Commissionable product sales are performed through and under the supervision of Oakwood Capital Securities. The firm utilizes a variable compensation model for advisors where earnings are tied directly to performance and value created for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

49 Financial is a values-based financial planning firm that delivers integrated financial planning, investment management, retirement planning, estate planning, tax mitigation, insurance, and business planning services to individuals, families, business owners, executives, and high-net-worth households through a team-based advisor model. Investment advisory activities are performed through 49 Wealth Management, LLC (an SEC registered investment adviser), with Charles Schwab serving as primary custodian and Oakwood Capital Securities supervising commissionable product sales.

Product overview

49 Financial is a values-based financial planning firm offering a comprehensive suite of financial services through a team-based advisor model. The core offering consists of 49 Financial Core Planning Services, which provides integrated financial planning including investment management, retirement planning, estate planning, tax mitigation, insurance, and business planning. 49 Private Wealth extends specialized high-net-worth services including legacy planning, estate-tax planning, and generosity planning. 49 Solutions provides foundational planning for those beginning their financial journey, while Fractional Family Office Services offers coordinated oversight for clients with complex financial lives requiring alignment across multiple professional relationships and strategies.

Differentiator

Problem solved

Functional benefit

Products and services

• 49 Financial Core Planning Services Comprehensive financial planning service for individuals and families that integrates investment management, retirement planning, estate planning, tax mitigation strategies, insurance, and business planning, delivered through a team-based advisor model. Delivered by 49 Wealth Management, LLC, an SEC registered investment adviser.
• 49 Private Wealth Specialized wealth management service for high-net-worth clients and business owners providing highly personalized support beyond traditional financial planning, including comprehensive financial planning, investment strategies, legacy planning, estate-tax planning, business owner services, generosity planning, and new ventures coordination.
• 49 Solutions Foundational planning service providing investment management, estate planning, and life insurance support for clients seeking initial financial planning services from 49 Financial.
• Fractional Family Office Services Coordination and oversight service helping high-net-worth families align investments, tax strategy, estate planning, insurance, and administrative responsibilities across their existing professional relationships.

Quantifiable outcome

• 4-year advisor retention rate double the industry average
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Charles Schwab & Co., Inc.coreOthersCharles Schwab & Co., Inc. has been selected as the primary custodian for 49 Financial's client accounts. This partnership provides access to a wide range of products and services including full range of investment products and trading services, technology and service support, wide array of investment account types (retirement accounts, charitable giving, education accounts), and full range of investment options (stocks, mutual funds, bonds, ETFs, CDs and other investments).
• Oakwood Capital SecuritiescoreOthersOakwood Capital Securities supervises commissionable product sales for 49 Financial. All commissionable product sales are performed through and under the supervision of Oakwood Capital Securities. 49 Financial and Oakwood Capital are not affiliated entities. While the firm utilizes Oakwood Capital for certain variable products, that relationship now represents a small, focused portion of the broader business model.

Scale indicators4 records

Recent moves17 records

Expansion highlights6 records

Direct peers

• Buckingham Strategic Wealth: Independent RIA providing comprehensive financial planning and evidence-based investment management to individuals and families; closely comparable to 49 Financial in size, service mix, and fee-based advisor model.
• One Capital (formerly Ronald Bernardi Group): Independent, team-based RIA offering comprehensive financial planning and investment management to HNW clients; comparable to 49 Financial in advisor-led model and family-office-adjacent service tier.
• Wealth Enhancement Group: PE-backed RIA with a growing multi-office footprint serving HNW and mass-affluent clients; comparable to 49 Financial in service breadth and geographic distribution, while illustrating the well-capitalized rollup dynamic.
• Carson Group: Independent RIA platform that supports affiliated advisors with operations, technology, and coaching; comparable to 49 Financial in its team-based advisor development model and comprehensive financial planning focus.
• Hightower Advisors: Independent RIA partnership platform serving HNW individuals, families, and institutions through a national network of advisor teams; comparable to 49 Financial in its team-based model and multi-office distribution strategy.
• Mariner Wealth Advisors: National independent RIA providing comprehensive financial planning, investment management, and family office services to HNW clients; highly comparable to 49 Financial's Private Wealth and Family Office offerings and multi-office footprint.
• Sanctuary Wealth: Independent advisor platform that provides compliance, operations, and investment support to advisor teams; comparable to 49 Financial in its multi-office team-based approach to serving HNW clients.
• Creative Planning: One of the largest independent RIAs in the U.S., offering comprehensive financial planning, investment management, and tax/estate services to individuals and business owners; directly comparable to 49 Financial in client segments, fee-based model, and broad-service orientation.
• Edelman Financial Engines: Large independent RIA offering financial planning and investment management across mass-affluent through HNW segments with a national office footprint; directly competes with 49 Financial in comprehensive financial planning for households and business owners.

Broad incumbents

• Focus Financial Partners / Cerity Partners: Large RIA rollup/consolidator that acquires independent advisory firms, providing capital, operations, and M&A scale; not a same-model competitor but a defining incumbent in the space that shapes 49 Financial's competitive context.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubem.youtube.com/channel/UClocYpiHt02LAW-_Zjm_Yew/videos?view=0&sort=dd&shelf_id=0
• Facebookfacebook.com/49financial
• LinkedInlinkedin.com/company/49financialgroup

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries4 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 49 Financial