Bingham, Osborn & Scarborough

What Bingham, Osborn & Scarborough does

Bingham, Osborn & Scarborough, operating as B|O|S Invest, is a San Francisco-based wealth management firm founded in 1985 that serves high-net-worth individuals, families, business owners, corporations, and institutions through an advisor-led, concierge-style service model. The firm requires a minimum investable asset threshold of $1M and offers a comprehensive service suite spanning investment management, estate and gift planning, financial planning, tax planning and preparation, insurance and risk management, trust services, family office, retirement plan consulting, OCIO (Outsourced CIO) for institutions, institutional consulting, corporate venture capital, and specialized offerings for business owners, women, and cross-border clients.

In April 2024, B|O|S Invest merged with Cerity Partners, combining the two firms into a single national platform with offices across 20+ U.S. states. The merged entity maintains the B|O|S Invest brand on its Bay Area offices (San Francisco and Redwood City, California) while expanding the firm's geographic and service footprint significantly. Revenue is generated through subscription/recurring advisory fees on assets under management, with pricing not publicly disclosed.

The firm's technology infrastructure relies entirely on third-party financial technology platforms — Addepar, Orion, and Black Diamond for portfolio management and reporting; eMoney and MoneyGuide Pro for financial planning; ShareFile, Box, and Secure Email for document management and communication. No proprietary technology, AI/ML capabilities, or patents are disclosed. The firm emphasizes advisor experience and concierge-style personalization as its core differentiator, supported by content marketing, webinars, and a concierge advisor-matching program for prospective clients. The firm was recognized by Barron's with the 2025 Mega Award and received a minority investment from Kudu Investment Management in October 2018.

Name

Bingham, Osborn & Scarborough

Legal name

Bingham, Osborn & Scarborough

Website

https://bosinvest.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Bingham, Osborn & Scarborough (B|O|S Invest) is a San Francisco-based wealth management firm founded in 1985, serving high-net-worth individuals, families, business owners, corporations, and institutions through personalized advisor-led investment management, financial planning, and estate services.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG), Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

Keywords

• Wealth management services
• Investment advisory
• Estate planning services
• Retirement plan consulting
• Family office services

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management and Advisory Services: The firm generates revenue through comprehensive wealth management and financial advisory services for high-net-worth individuals, families, and institutions. Services include investment solutions, estate planning, tax planning, insurance planning, and retirement consulting. Revenue is generated through advisory fees, likely based on assets under management (AUM) given the investable asset thresholds mentioned ($1M+ minimum typically).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Bingham, Osborn & Scarborough is a private wealth management firm that provides personalized financial advisory services to high-net-worth individuals, families, business owners, corporations, and institutions. Its core offerings include discretionary investment management, comprehensive financial planning, estate and gift planning, tax planning, insurance planning, and trust and family office services. The firm structures its practice into three client pillars—Individuals & Families, Corporations, and Institutions—each with tailored advisory solutions.

Product overview

Bingham, Osborn & Scarborough (B|O|S Invest) provides comprehensive wealth management and financial advisory services through a unified platform. The firm merged with Cerity Partners to create a combined entity offering services across investment management, financial planning, estate planning, tax services, trust services, and specialized advisory for business owners and families. The core offering centers on Wealth Management with related services including Investment Solutions, Capital Solutions, Estate and Gift Planning, Financial Planning, Insurance Planning, Tax Planning & Preparation, Trust Services, Family Office, and specialized services for Business Owners, Corporate clients, and Institutions. Services are delivered through integrated advisor relationships supported by multiple client portal platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management (Individuals & Families) Coordinated advisory service for high-net-worth individuals and families combining discretionary investment management with estate, gift, tax, insurance, financial, and trust planning under one advisor relationship.
• Family Office Services Family office offering providing consolidated reporting, bill pay, trust and estate coordination, and administrative support for ultra-high-net-worth households, including single-family-office principals.
• Trust Services Trust-related advisory and administrative services delivered in coordination with estate planning, including trustee coordination and ongoing trust management support.
• Retirement Plan Consulting Advisory service for corporate plan sponsors covering plan design, investment menu selection, fiduciary governance, and ongoing plan review for workplace retirement plans.
• Workplace Solutions Workplace solutions offering financial wellness programs, participant education, and benefits advisory services for corporate clients alongside retirement plan consulting.
• Cerity Partners OCIO Outsourced Chief Investment Officer service providing institutional investment leadership, asset allocation, manager selection, and reporting to endowments, foundations, and nonprofit institutions.
• Institutional Consulting Investment policy development, asset-liability studies, manager research, and ongoing consulting for institutional investors including nonprofits, foundations, and endowments.
• Corporate Venture Capital Advisory service for corporations deploying strategic venture capital, supporting investment thesis design, deal evaluation, and ongoing portfolio oversight.
• Business Owner Advisory Integrated personal and business wealth advisory for business owners, including succession, exit, liquidity event, and concentrated-stock planning.
• Wealth for Women Specialized wealth management offering addressing the planning needs of women across divorce, widowhood, career transitions, and multigenerational wealth.
• Marital Financial Planning Specialized planning offering supporting couples through marriage, premarital agreements, divorce, and related financial transitions.
• Cross-Border Services Specialized wealth management offering for clients with cross-border tax, residency, or investment considerations, including international families and globally-mobile households.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cerity Partners: Direct parent and merger partner of B|O|S Invest, Cerity Partners is a national wealth management and OCIO firm serving HNW individuals, families, institutions, and corporations with investment, tax, estate, and retirement plan services. Effectively the same operating entity post-merger, with overlapping service lines and target clients.
• Bessemer Trust: Privately held multifamily office and wealth manager serving UHNW individuals and families with investment management, trust, estate, and family office services. Directly comparable to B|O|S in client profile (UHNW/HNW), service breadth (investment, trust, estate, tax), and concierge delivery model.
• Aspiriant: Independent, fee-only RIA headquartered in Los Angeles serving HNW individuals, families, and business owners with wealth management, tax, and estate planning. Comparable in target client ($1M+ investable), service model (comprehensive planning-led advisory), and California footprint.
• Homrich Berg: Fee-only RIA focused on HNW individuals and families with comprehensive wealth management, tax, and estate services. Comparable in client profile, full-service offering, and direct advisor-led delivery model.
• Brown Brothers Harriman (Wealth Management): Private partnership offering wealth management, investment advisory, and trust services to HNW families, foundations, and endowments. Directly comparable in trust/estate services, family office capabilities, and UHNW client concentration.

Broad incumbents

• Goldman Sachs Private Wealth Management: Incumbent private banking and wealth management division of a global investment bank, serving UHNW and HNW clients with investment advisory, trust, estate, and lending services. Comparable in HNW client focus and service breadth but operates as a unit of a much larger universal bank.
• Morgan Stanley Wealth Management: One of the largest U.S. wealth management franchises, serving HNW and UHNW clients with investment advisory, financial planning, and lending. Comparable in HNW client base and service breadth but as a national incumbent with significantly greater scale than B|O|S.
• J.P. Morgan Private Bank: Private banking arm of JPMorgan Chase serving UHNW and HNW clients with investment management, trust and estate, and banking services. Comparable in client segment and comprehensive offering, but with substantially greater scale and balance-sheet capabilities.

Emerging players

• Cresset Wealth Advisors: Independent, family-owned RIA serving UHNW individuals, families, and institutions with wealth management, family office, and institutional consulting services. Comparable in HNW focus and family office service line but at a smaller, growth-stage scale.
• Geneva Capital Group: Boutique RIA providing HNW individuals, families, and business owners with investment management, financial planning, and tax services. Comparable in target client (HNW $1M+) and comprehensive planning-led approach but smaller in scale and regional in footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bos_invest
• Facebookfacebook.com/bosinvest

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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 Bingham, Osborn & Scarborough