What Golden Reserve does

Golden Reserve is a privately held US retirement planning firm headquartered in Dublin, Ohio, founded in 2010 as an extension of Greg Aler's elder care law practice and officially launched in 2011. The firm serves exclusively families in or nearing retirement — explicitly excluding general consumers and pre-retirees — and operates through an integrated ecosystem of four affiliated entities: Golden Reserve Retirement, LLC (an SEC-registered investment adviser), Golden Reserve, LLC (insurance and annuity products), AlerStallings, LLC (estate planning law), and Golden Reserve Tax, LLC (tax planning). The core product is the "Roadmap for Retirement," a personalized plan addressing four risk categories — IRA tax exposure, market risk, hidden fees, and long-term care costs — and is delivered alongside complementary media properties including the "Fire Your Financial Advisor" TV and radio show, a book by the CEO, dinner workshops, and content marketing across blog, YouTube, and major podcast platforms.

The firm is distributed across 40+ physical offices in Ohio, Michigan, Indiana, Kentucky, Missouri, Kansas, Florida, Texas, Virginia, Pennsylvania, Arizona, and Washington DC, with virtual coverage in 27 states plus DC (excluding NY, CA, and WA). GTM is sales-led: media presence and educational dinner workshops generate qualified leads, which are converted by Senior Retirement Planners through complimentary Roadmap consultations and ultimately into fee-based advisory engagements on a flat-fee basis (positioned as a differentiator versus the industry's standard 1%-of-AUM model), plus insurance commissions. No proprietary AI/ML technology is disclosed, and the firm does not publish a productized tech stack; the value proposition is delivered primarily through human advisors with credentials spanning CFP®, CPA, and JD.

The business model blends subscription-style recurring advisory fees with one-time insurance/annuity commissions, supplemented by affiliated law and tax engagements. The firm is founder-owned and bootstrapped — no private equity or venture capital rounds are disclosed — and is led by Greg Aler (CEO), Phil Huff (President), Justin Spring (CGO), and Anna Christine (CCO/Partner), supported by a bench of more than 25 named Senior Retirement Planners. The firm has been recognized on the Inc. 5000 and Columbus Business First Fast 50 lists, indicators of rapid recent scaling aligned with the multi-state expansion observed in 2024 and 2025.

Name

Golden Reserve

Legal name

Golden Reserve, LLC

Website

https://goldenreserve.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Golden Reserve is a privately held US retirement planning firm headquartered in Dublin, Ohio, serving retirees and pre-retirees through 40+ physical offices across 12 states and Washington DC. It delivers integrated financial advisory, tax, estate planning, and insurance services under one roof, focused on mitigating IRA taxes, market risk, fees, and long-term care costs.

Ownership category

akta.pro rank

Product category

Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Retirement planning services
• Investment advisory services
• Estate planning services
• Tax planning services
• Insurance and annuities

Headquarters

HQ city

Dublin

HQ country

United States

HQ region

North America

Offices43 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Investment advisory services offered through Golden Reserve Retirement, LLC, a Registered Investment Adviser. Services are fee-based with flat fee structure mentioned as differentiator from percentage-of-AUM advisors.
2. Insurance Products: Fixed insurance and annuity products offered through Golden Reserve, LLC. Revenue from insurance commissions.
3. Estate Planning Services: Estate planning services offered through affiliated law firm AlerStallings, LLC.
4. Tax Planning Services: Tax planning services offered through affiliated company Golden Reserve Tax, LLC.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Golden Reserve delivers comprehensive retirement planning services to retirees and pre-retirees through affiliated entities that combine financial advisory, estate planning, tax planning, and fixed insurance/annuity products under one integrated service model. Its flagship deliverable is the Roadmap for Retirement, a personalized plan addressing four major retirement risks: IRA taxes, market volatility, advisor/investment fees, and long-term care costs. The firm differentiates itself with a flat-fee structure versus traditional percentage-of-AUM pricing and an exclusive focus on the retirement demographic.

Product overview

Golden Reserve is a retirement planning firm that operates as a unified service platform combining financial advisory, legal (estate planning), and tax planning services under one roof. The core product is the Roadmap for Retirement, a personalized comprehensive plan that integrates four sub-products: IRA Tax Plan (tax minimization), Market Risk Report (portfolio stress-testing), Fee Analysis (cost breakdown), and Long-Term Care Plan (asset protection from nursing home costs). Supporting offerings include the Fire Your Financial Advisor TV/Radio show, the Fire Your Financial Advisor book, and in-person dinner workshops. The company differentiates itself from traditional financial advisors by offering integrated services through affiliated entities including AlerStallings (law firm) and Golden Reserve Tax, LLC.

Differentiator

Problem solved

Functional benefit

Brands

• Fire Your Financial Advisor: TV and radio show hosted by Greg Aler covering retirement planning topics, taxes, market risk, fees, and long-term care.

Quantifiable outcome

• Nursing home costs average $8,500/month ($102,000/year) for private room
• +4 more outcomes

Segments1 record

Ideal customer profiles1 record

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.

• AlerStallings, LLCcoreStrategic or Co-development PartnerAffiliated elder care and estate planning law firm co-founded by Greg Aler. Provides estate planning services to Golden Reserve clients as part of the integrated 'under one roof' service model. Not subject to investment adviser requirements.
• Golden Reserve Tax, LLCcoreStrategic or Co-development PartnerAffiliated tax planning firm providing CPA services to Golden Reserve clients. Part of the integrated service offering addressing IRA taxes and tax planning. Not subject to investment adviser requirements.
• Golden Reserve Retirement, LLC (GRR)coreStrategic or Co-development PartnerRegistered Investment Adviser entity providing investment advisory services. GRR is the SEC-registered investment adviser while Golden Reserve, LLC provides insurance products. Both are affiliated entities with shared ownership.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Boldin (formerly NewRetirement): Retirement planning software platform enabling do-it-yourself financial planning for retirees and pre-retirees. Comparable in addressing retirement tax, market, fee, and long-term care planning but via software rather than human advisor model.

Direct peers

• Creative Planning: Large independent RIA offering comprehensive wealth, retirement, tax, and estate planning services to individuals and families. Direct comparable to Golden Reserve's integrated advisory model and retiree-focused planning approach, though at substantially greater scale.
• Mariner Wealth Advisors: Independent RIA providing comprehensive financial planning, tax, estate, and retirement advisory services to high-net-worth and retiree households. Comparable in offering integrated wealth services with a similar one-roof value proposition.
• Carson Group: RIA platform focused on holistic financial planning including retirement, tax, and estate services for individuals and families. Comparable integrated offering and retiree-focused positioning, with a partner/advisor-driven distribution model.
• Hightower Advisors: Independent RIA platform providing wealth management, retirement planning, and related advisory services to individuals and families. Comparable integrated service model and advisor-led client engagement approach.

Broad incumbents

• Cetera Financial Group: Large retail wealth platform supporting thousands of independent advisors offering retirement, investment, and financial planning services. Comparable retail retirement planning orientation, with broader product breadth and scale.
• Ameriprise Financial: Large diversified financial services firm offering retirement planning, investment advisory, insurance, and banking through thousands of advisors. Comparable in offering comprehensive retirement services but at national scale with different fee model.
• Cambridge Investment Research: Independent broker-dealer/RIA platform supporting advisors focused on retirement and wealth planning. Comparable in offering integrated retirement advisory services through an independent advisor network.
• Focus Financial Partners: Partnership of independent wealth management firms providing retirement, tax, and estate advisory to high-net-worth and retiree clients. Comparable integrated service offering across affiliated firms with retirement focus.
• Edward Jones: Large national retail wealth management firm with thousands of branch offices providing retirement, investment, and financial planning services. Comparable in physical-office distribution and retirement focus, but operates a percentage-of-AUM model at vastly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@fireyourfinancialadvisor
• LinkedInlinkedin.com/company/golden-reserve

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 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 Golden Reserve