Oxygen Financial
oXYGen Financial is a privately held US financial advisory firm offering tiered subscription financial planning (Basecamp, Ascend, Summit) under a dedicated Private CFO® model, serving individuals and families in retirement, life transitions, wealth management, and investments, primarily in the US Southeast.
- Company typePrivate
- Founded2008
- HeadquartersAlpharetta, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Oxygen Financial does
oXYGen Financial Inc. is a privately held financial advisory firm founded in 2008 and headquartered in Alpharetta, Georgia, with a secondary office in Savannah, Georgia. The firm delivers financial planning, wealth management, investment advisory, employee benefits guidance, and insurance-related advisory services primarily to individuals and families across the United States, organized around five core use cases: retirement planning, life transitions, investment management, wealth management, and employee benefits. Its core service construct is the branded Private CFO® model, in which each client is assigned a dedicated advisor who operates at chief financial officer level for the household, supported by dedicated operations staff and tiered engagement from VPs and Managing Directors at higher service levels.
The product surface consists of three subscription financial planning tiers: Basecamp (entry-level basic plan, one-time fee starting at $1,800 and $100–$400/month), Ascend (comprehensive plan with VP/MD engagement, $4,000 one-time and $150–$750/month), and Summit (distribution-focused plan with estate and tax planning, $2,500 one-time and $100–$500/month). Client technology is limited to two white-labeled portals — Breathe Easier® (powered by wealth.emaplan.com) and My Wealthscape (powered by investor.wealthscape.com) — rather than proprietary platforms. Securities and investment advisory services are delivered through third-party partners Kestra Investment Services, LLC (broker-dealer, FINRA/SIPC member) and Kestra Advisory Services, LLC (RIA), making oXYGen a distribution entity rather than a vertically integrated platform.
The firm operates a sales-led, direct-to-consumer go-to-market with inbound consultations, free e-books, blog content, a weekly Sunday Paper newsletter, the Shrimp Tank podcast, and substantial earned media from CEO Ted Jenkin's appearances on Fox Business, CNBC, CNN, HLN, WSJ, and other national outlets. Pricing is publicly disclosed on the company website. The firm is Investopedia-ranked as a TOP 10 Financial Advisor in the United States and holds registered trademarks on Private CFO®, Breathe Easier®, and ChilloXYGen.
Oxygen Financial firmographics
Firmographics- Name
- Oxygen Financial
- Legal name
- oXYGen Financial Inc.
- Website
- https://oxygenfinancial.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- oXYGen Financial is a privately held US financial advisory firm offering tiered subscription financial planning (Basecamp, Ascend, Summit) under a dedicated Private CFO® model, serving individuals and families in retirement, life transitions, wealth management, and investments, primarily in the US Southeast.
- Ownership category
- akta.pro rank
Oxygen Financial industry classification
Industry- Product category
- Personal Financial Planning
- NAICS
- Portfolio Management and Investment Advice (523940), Insurance Carriers and Related Activities (524)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Fee-Based Advisory (FSAEAAAM)
- akta.pro secondary industries
- Retirement Income Planning & Decumulation Advisory (FSAEABAD), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)
Keywords
Where Oxygen Financial is headquartered
LocationHeadquarters
- HQ city
- Alpharetta
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Oxygen Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Planning Fees: Tiered financial planning services with both one-time upfront fees and recurring monthly subscription fees. Three service tiers (Basecamp, Ascend, Summit) provide basic to comprehensive financial planning including distribution planning, income tax scenarios, and estate planning.
- Securities and Investment Advisory Services: Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services through Kestra Advisory Services, LLC. Revenue generated from advisory fees associated with managed investment accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Financial Plan - Entry tier for individuals seeking foundational financial organization and planning |
| Subscription | Monthly | Comprehensive Financial Plan with Basic Plan - Mid-tier service with enhanced scenarios and senior advisor engagement |
| Subscription | Monthly | Distribution Financial Plan - Focus on retirement income, tax, and estate planning for pre/post-retirement clients |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Oxygen Financial product offering
Product offeringCore offering
oXYGen Financial provides tiered, subscription-based personal financial planning services (Basecamp, Ascend, and Summit plans) delivered through a proprietary Private CFO® advisory model. Core offerings include retirement planning, investment management via Kestra partnerships, wealth management, tax and estate planning support, and employee benefits guidance for individual consumers and families. Service packages combine one-time planning fees ($1,800-$4,000) with recurring monthly fees ($100-$750) and varying levels of in-person meetings, advisor seniority, and response times.
Product overview
oXYGen Financial is a financial advisory firm offering a Private CFO service model with three tiered financial planning packages (Basecamp, Ascend, and Summit) at different price points. The company provides financial planning for retirement, life transitions, investments, and wealth management. Additional offerings include free e-books, a client portal for account access (Breathe Easier Dashboard and My Wealthscape), and regular blog content and newsletter (Sunday Paper) for financial education.
Differentiator
Problem solved
Functional benefit
Products and services
- Basecamp Plan Entry-tier basic financial planning package with a one-time fee starting at $1,800 and recurring monthly fee of $100-$400. Includes getting organized & basic comprehensive plan, referrals to outside professionals, an assigned Private CFO®, support from dedicated operations staff, 1 in-person meeting per year (office or virtual), 48-hour email response time, exclusive invitations to client appreciation events, and referral to a recommended tax preparation provider.
- Ascend Plan Mid-tier comprehensive financial planning package including a basic plan, with a one-time fee starting at $4,000 and recurring monthly fee of $150-$750. Includes comprehensive scenarios, assistance with outside professionals, an assigned VP or Managing Director, 3-4 in-person meetings per year (office or virtual), same-day email response time, coordination of attorneys, bookkeeping, and property & casualty services, client appreciation events, and tax prep referral.
- Summit Plan (Distribution Financial Plan) Top-tier distribution-focused financial plan combining comprehensive and basic plans with retirement income planning. One-time fee starting at $2,500 and recurring monthly fee of $100-$500. Includes comprehensive scenarios, income, tax, and estate planning, an assigned VP or Managing Director, dedicated operations staff, 1-2 in-person meetings per year, 24-48 hour email response, coordination of attorneys, bookkeeping, and property & casualty services, client appreciation events, and tax prep referral.
- Private CFO Service The proprietary Private CFO® advisory model assigning each client a dedicated CFO-level advisor who provides personalized financial planning, guidance on making, keeping, and investing money, and ongoing support for building net worth. Underpins all paid planning packages and includes dedicated operations staff for execution support.
- Breathe Easier® Personal Financial Dashboard Client portal for accessing personal financial data, accounts, and planning tools, integrated with wealth.emaplan.com. Provided to clients of oXYGen Financial to view and manage financial accounts online.
- My Wealthscape Investment account management portal for clients to access and monitor their investment portfolios, integrated with investor.wealthscape.com. Used by clients of oXYGen Financial to view investment account activity and performance.
- Securities and Investment Advisory Services Brokerage and investment advisory services made available to clients through partners Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC, and Kestra Advisory Services, LLC (Kestra AS), enabling execution, custody, and RIA fiduciary oversight for client investment portfolios.
Companies that use Oxygen Financial
Customer profileSegments5 records
Ideal customer profiles1 record
Oxygen Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Oxygen Financial partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Kestra Investment Services, LLC (Kestra IS)coreSecurities brokerage partner providing FINRA member broker-dealer services. Kestra IS is a separate entity from oXYGen Financial that handles securities transactions, custody, and regulatory compliance for investment products offered to clients. Services offered through Kestra IS include brokerage accounts and securities products subject to FINRA/SIPC oversight.
- Kestra Advisory Services, LLC (Kestra AS)coreInvestment advisory services partner providing RIA oversight and fiduciary services. Kestra AS is an affiliate of Kestra IS that provides investment advisory platform, compliance, and advisory fee processing for registered investment advisor representatives.
- Shrimp Tank PodcastminorCo-branded business and financial podcast hosted by oXYGen Financial CEO Ted Jenkin. Podcast features entrepreneur interviews, financial advice, and business discussions. Available at shrimptankpodcast.com with cross-promotion from oXYGen Financial website.
Scale indicators2 records
Expansion highlights5 records
Oxygen Financial competitors and assessment
Company assessmentDirect peers
- Carson Group: Partnership- and tech-enabled RIA supporting advisors with compliance, investment, and practice-management infrastructure — comparable to oXYGen's tiered advisor-support model.
- Mariner Wealth Advisors: Comprehensive wealth management firm offering financial planning, investment advisory, and estate services via dedicated advisor teams — analogous to oXYGen's Private CFO concept.
- Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based investment management, retirement planning, and tax planning for individuals and families — overlapping with oXYGen's retirement and wealth segments.
- Empower (formerly Personal Capital): Hybrid robo-advisor + human advisor wealth management platform with dashboards and tiered advice — closest tech-enabled analog to oXYGen's Breathe Easier® portal plus advisor model.
- Hightower Advisors: Partnership-style RIA providing compliance, investment, and back-office infrastructure to advisor teams — overlapping with oXYGen's Private CFO team-based delivery model.
- Facet Wealth: National subscription-based financial planning firm with a flat-fee model and dedicated advisor assignments; the closest direct comparable to oXYGen's tiered Basecamp/Ascend/Summit subscription plans.
- Creative Planning: Large, full-service RIA delivering comprehensive fee-based financial planning, investment management, and tax/estate coordination — closely mirrors oXYGen's comprehensive Ascend offering.
Emerging players
- Betterment: Leading digital wealth manager offering low-cost, subscription-style advice and portfolio management — primary emerging competitive threat at oXYGen's entry-tier Basecamp price point.
Broad incumbents
- Fisher Investments: Large, well-known asset manager and investment advisor targeting high-net-worth retail clients — comparable incumbent brand profile to oXYGen's national media presence.
- Edelman Financial Engines: Large incumbent RIA combining workplace financial planning with individual wealth management — broader scale version of oXYGen's combined employee-benefits and personal wealth offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Oxygen Financial social profiles
Digital presenceOxygen Financial compliance and trust
Trust signalCompliance2 records
Oxygen Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oxygen Financial leadership team
Management profileNumber of profiles
Profiles2 records
Oxygen Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oxygen Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oxygen Financial
What does Oxygen Financial do?
oXYGen Financial provides tiered, subscription-based personal financial planning services (Basecamp, Ascend, and Summit plans) delivered through a proprietary Private CFO® advisory model. Core offerings include retirement planning, investment management via Kestra partnerships, wealth management, tax and estate planning support, and employee benefits guidance for individual consumers and families. Service packages combine one-time planning fees ($1,800-$4,000) with recurring monthly fees ($100-$750) and varying levels of in-person meetings, advisor seniority, and response times.
Is Oxygen Financial a public or private company?
Oxygen Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Oxygen Financial founded?
Oxygen Financial was founded in 2008. It employs 11 to 50 people.
Where is Oxygen Financial based?
Oxygen Financial is headquartered in Alpharetta, United States, in the North America region.
How does Oxygen Financial make money?
Two revenue lines are on record. Financial Planning Fees are the primary driver. The others are securities and Investment Advisory Services.
Who are Oxygen Financial's main competitors?
Direct peers on record are Carson Group, Mariner Wealth Advisors, Buckingham Strategic Wealth, Empower (formerly Personal Capital), Hightower Advisors, Facet Wealth and Creative Planning. Betterment is listed as an emerging player. Broad incumbents are Fisher Investments and Edelman Financial Engines.
Does Oxygen Financial have an API?
No public API is recorded for Oxygen Financial.
What industry is Oxygen Financial in?
Oxygen Financial's product category is Personal Financial Planning. Its primary akta.pro industry code is FSAEAAAM, Fee-Based Advisory, with a secondary code of FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 523940 and its SIC code is 6282.