What BML Wealth Management does

BML Wealth Management is an independent financial advisory firm operating as a DBA of West Wealth Group, LLC—an SEC-registered investment adviser—headquartered in Irvine, California. The firm targets pre-retirees and retirees, with a primary focus on high-net-worth individuals and families in Orange County, California, across more than 20 sub-markets including Newport Beach, Laguna Beach, Anaheim, Huntington Beach, and Mission Viejo. Service delivery is structured around five integrated planning disciplines: income planning, investment management, tax planning, healthcare planning, and legacy/estate planning, all funneled through a proprietary, trademarked 5-step engagement methodology branded as The Retirement Fingerprint® Program. Educational brand assets include a founder-authored book, a recurring video series, and a client dashboard, supported by media placements on KTLA 5, FOX 11, ABC 7, and Spectrum News 1 and a UC Irvine Athletics sponsorship.

The firm's core technology stack is the eMoney financial planning platform, which powers client account aggregation, document storage, and progress tracking via the BML Wealth Dashboard; no proprietary AI/ML, custom models, or third-party integrations beyond eMoney are disclosed. Revenue is generated primarily through recurring asset-based advisory fees (% of AUM) on an ongoing subscription basis, supplemented by insurance commissions through BML Wealth & Insurance Services (California Insurance License #0M15550). The go-to-market motion is sales-led and consultative: a free 15-minute phone consultation funnels prospects into a complimentary 1-hour planning session and Retirement Fingerprint® plan build, with fees only commencing after the client elects to engage—effectively a freemium-to-subscription funnel targeting Orange County HNW retirees through local SEO, media exposure, and client referrals.

Name

BML Wealth Management

Legal name

West Wealth Group, LLC

Website

https://bmlwealth.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BML Wealth Management is an independent wealth management firm headquartered in Irvine, California, serving pre-retirees and high-net-worth retirees across Orange County through a proprietary 5-step Retirement Fingerprint® planning process spanning income, investment, tax, healthcare, and legacy planning on a recurring AUM-based fee model.

Ownership category

akta.pro rank

Product category

Retirement Planning & Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Discretionary Portfolio Management (DPM) (FSAAABAC), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)

Keywords

• Retirement planning
• Wealth management
• Investment advisory
• Financial planning
• Tax planning

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Fees (AUM-based): Fees are based on the size of client investments and areas of concern. The firm only charges fees if they decide to work together after the free initial consultation. This is an asset-based fee model where advisors earn ongoing fees as a percentage of assets under management.
2. Insurance Services: Insurance services offered through BML Wealth & Insurance Services, California Insurance License #0M15550. Annuities and insurance products may be part of comprehensive retirement strategies.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels8 records

Core offering

BML Wealth Management provides personalized retirement planning and wealth management services for pre-retirees and retirees, centered on its proprietary 5-step Retirement Fingerprint® Program. The program combines income planning, investment planning, tax planning, healthcare planning, and legacy planning into a single customized retirement roadmap, supported by an eMoney-powered client dashboard and ongoing strategy visits. Fees are asset-based and contingent on engagement after a complimentary consultation and plan development phase.

Product overview

BML Wealth Management offers a unified wealth management service combining five core planning disciplines: Income Planning, Investment Planning, Tax Planning, Healthcare Planning, and Legacy Planning. The core offering is The Retirement Fingerprint® Program, a 5-step personalized retirement planning process that creates customized strategies unique to each client's financial situation and goals. Additional services include access to a client Wealth Dashboard powered by eMoney, educational resources including The Retirement Fingerprint® Book and video series, and ongoing strategy visits for plan maintenance.

Differentiator

Problem solved

Functional benefit

Products and services

• The Retirement Fingerprint® Program BML Wealth Management's flagship 5-step proprietary retirement planning program that produces a personalized written retirement plan by progressing from introductory consultation through baseline analysis, strategy implementation, plan delivery (including a client binder and eMoney access), and ongoing strategy visits for plan maintenance. Intended for pre-retirees and retirees in Orange County seeking a customized retirement roadmap.
• Income Planning Development of strategies designed to support reliable income throughout retirement, ensuring expenses can be paid month-to-month with reliability and predictability. Targets pre-retirees and retirees who need a sustainable withdrawal and income-generation plan.
• Investment Planning Structuring of investment approaches aligned with personal goals, time horizons, and risk considerations using a disciplined, research-driven approach focused on high-quality companies with strong fundamentals. Built for clients who want portfolio construction consistent with their retirement timeline.
• Tax Planning Design of tailored tax strategies intended to minimize tax liabilities while preserving and growing wealth, integrated with the broader retirement plan. Targets clients seeking tax-efficient drawdown, distribution, and withdrawal sequencing in retirement.
• Healthcare Planning Addressing potential healthcare and longevity planning needs as part of a comprehensive retirement strategy, including coverage for medical and long-term care costs. For pre-retirees and retirees concerned with funding extended lifespans and healthcare expenses.
• Legacy Planning Support for thoughtful wealth transfer and family priorities through estate planning and succession coordination, including multigenerational wealth transfer planning. Targets clients with estate, beneficiary, and family legacy objectives.
• BML Wealth Dashboard Client portal (eMoney-powered) that provides secure access to all accounts, documents, and planning tools organized in one secure location, plus retirement progress tracking, personalized insights, access to the 5-step plan, and direct connectivity to advisors. Available to BML clients to monitor and update their plan over time.
• Insurance Services Insurance products and annuities offered through BML Wealth & Insurance Services (California Insurance License #0M15550), used as part of comprehensive retirement strategies (e.g., for income, longevity, and legacy needs). Available to BML clients needing insurance or annuity solutions aligned with their retirement plan.

Quantifiable outcome

• Hundreds of clients helped achieve financial goals
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• West Wealth Group, LLCcoreStrategic or Co-development PartnerInvestment advisory services are offered through West Wealth Group, LLC, a registered investment adviser with the SEC. BML Wealth Management operates as a d/b/a under West Wealth Group, along with Ensemble Wealth Management and Yack Wealth Management. This is an affiliated entity relationship where BML operates as part of the West Wealth Group network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Wealth: Carson Wealth is an independent RIA serving mass-affluent and HNW clients with holistic financial planning, investment management, and tax services. Like BML, it emphasizes fiduciary advice and a defined planning process, making it a closely comparable boutique RIA model.
• Buckingham Strategic Wealth: Buckingham Strategic Wealth is an independent, fee-only RIA focused on goals-based financial planning and investment management for individuals and families approaching or in retirement. Its service model and target client closely mirror BML's Retirement Fingerprint® approach.

Broad incumbents

• Edelman Financial Engines: Edelman Financial Engines is one of the largest independent RIAs in the U.S., offering retirement planning, investment management, and financial planning to mass-affluent and HNW individuals. It competes with BML across the same five-discipline retirement planning stack but at vastly greater scale.
• Mariner Wealth Advisors: Mariner Wealth Advisors is a national independent RIA providing comprehensive financial planning, investment management, tax, estate, and retirement planning to HNW clients. It competes with BML across the integrated retirement planning stack but operates at significantly greater geographic and headcount scale.
• Fisher Investments: Fisher Investments is a large global investment management firm serving HNW and institutional clients with discretionary portfolio management and retirement-focused strategies. It competes with BML on the investment management leg of BML's stack with substantially greater scale and brand recognition.
• Raymond James Financial: Raymond James is a diversified financial services holding company with a large wealth management arm serving HNW and mass-affluent clients through affiliated advisors. It competes with BML in retirement planning and investment management, with significantly broader distribution and product breadth.
• Charles Schwab Wealth Management: Charles Schwab offers wealth management and advisory services to mass-affluent and HNW clients through Schwab Wealth Advisory and affiliated RIAs, including through its RIA custody platform. It competes with BML across retirement planning, investment management, and digital client experience at substantially greater scale.

Others

• Creative Planning:

Emerging players

• Facet Wealth: Facet Wealth is a digital-first financial planning firm offering comprehensive advice — including retirement, tax, and estate planning — to mass-affluent and HNW clients via remote CFPs. It overlaps with BML on financial planning for the mass-affluent segment but differentiates through a fully virtual delivery model.
• Wealthsimple: Wealthsimple is a digital wealth management platform offering investment management, retirement, and tax-advantaged accounts to Canadian (and now U.S.) mass-affluent clients. It competes with BML in the digital advice layer but is primarily a regional player in North America and does not overlap on U.S. HNW in-person service.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/BMLWealthMngmt
• YouTubeyoutube.com/c/BMLWealthManagement
• Facebookfacebook.com/BMLwealthmanagement
• LinkedInlinkedin.com/company/bml-wealth-management/about
• Instagraminstagram.com/bmlwealthmanagement

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 BML Wealth Management