Calibrate Wealth Partners

What Calibrate Wealth Partners does

Calibrate Wealth Partners is a private, independent wealth management and advisory firm headquartered in Fargo, North Dakota, that delivers white-glove financial planning services to high-net-worth individuals, families, and business owners. The firm was officially launched in 2022 as a joint venture combining two multi-generational family advisory businesses founded in the 1970s by Dave Halvorson in Fargo, ND and Ernie Stiba in Waco, TX, now led by the founders' sons Matt Halvorson and Eric Stiba. The firm operates from three physical offices in Scottsdale AZ, Fargo ND, and Waco TX while serving clients across all 50 states.

The firm offers six core service areas: Business & Estate Planning, Income Accumulation & Growth, Investment Management, Advanced Insurance Strategies, Unique Design Solutions, and Risk Management. Service delivery relies on an open-architecture platform providing access to 50+ insurance carriers and financial product providers, enabling strategy selection without product limitations. Technology integrations include Riskalyze for risk profiling, Betterment for digital investment account access, and Lion Street for account infrastructure. A digital Insurance Illustration Request tool supports modeling of Indexed Universal Life, Variable Universal Life, Survivorship, and Whole Life products. Securities and investment advisory services are delivered through Integrity Alliance, LLC (Member SIPC) under the Integrity Wealth marketing name; Calibrate is independently owned and not affiliated with Integrity Wealth.

The revenue model is a hybrid of fee-based investment advisory services (recurring AUM-style fees) and transaction-based commissions on insurance product sales, including IUL, VUL, whole life, term life, and annuities. The firm has approximately 15 team members across advisory, investments, underwriting/operations, and marketing functions. Customer acquisition is driven by a Trusted Advisor Network of partner professionals, community events, and content marketing — a high-touch, referral-driven model rather than a scaled direct-to-consumer approach. Pricing is not publicly disclosed and varies based on AUM, planning complexity, and product selection.

Name

Calibrate Wealth Partners

Legal name

Calibrate Wealth Partners

Website

https://calibratewealthpartners.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Calibrate Wealth Partners is an independent, private wealth management firm serving high-net-worth individuals, families, and business owners nationwide from offices in Fargo ND, Waco TX, and Scottsdale AZ. It offers estate planning, investment management, insurance strategies, and risk management via an open-architecture platform with 50+ carrier partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Fargo

HQ country

United States

HQ region

North America

Offices3 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: Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Fee-based advisory services for investment management and portfolio monitoring.
2. Insurance Products: Commissions earned on sale of insurance products including Indexed Universal Life (IUL), Variable Universal Life (VUL), Whole Life, Term Life, and annuities through their extensive carrier network.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Calibrate Wealth Partners provides personalized wealth planning and advisory services to high-net-worth individuals, families, and business owners. Its core offerings include business and estate planning, investment management, income accumulation strategies, advanced insurance solutions, risk management, and customized financial designs, delivered through an open-architecture platform that accesses a broad network of insurance carriers and investment products.

Product overview

Calibrate Wealth Partners offers a comprehensive wealth planning and advisory service built around a collaborative, white-glove approach. The firm provides six core service areas: Business & Estate Planning (generational wealth transfer), Income Accumulation & Growth (tax-advantaged strategies), Investment Management (portfolio monitoring), Advanced Insurance Strategies, Unique Design Solutions, and Risk Management. The firm also provides an Insurance Illustration Request tool for advisors to model insurance products including Indexed Universal Life (IUL), Variable Universal Life (VUL), Survivorship, and Whole Life. Services are delivered through an open infrastructure platform with access to a vast network of insurance carriers and investment products, allowing customized planning without limitations.

Differentiator

Problem solved

Functional benefit

Products and services

• Business & Estate Planning
• Income Accumulation & Growth
• Investment Management
• Advanced Insurance Strategies
• Unique Design Solutions
• Risk Management

Segments3 records

Ideal customer profiles3 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.

• Integrity Alliance, LLCcoreStrategic or Co-development PartnerSecurities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance. This is the primary regulatory and licensing partnership through which Calibrate operates its investment advisory business.
• 50+ Insurance CarrierscoreOthersExtensive network of insurance carrier partners including Allianz, American General, John Hancock, Lincoln Financial, Mass Mutual, New York Life, Pacific Life, Prudential, and many others providing life insurance, annuities, and other financial products.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Direct peers

• Carson Group: Wealth management firm built around an advisor-support platform providing business coaching, investment solutions, marketing, and operational infrastructure to independent financial advisors — comparable in model and target market to Calibrate.
• Stratos Wealth Partners: Independent wealth management platform supporting financial advisors with compliance, investment, and back-office infrastructure — operating a multi-office HNW advisory model comparable to Calibrate.
• Buckingham Strategic Wealth: Independent, fee-only wealth advisory firm specializing in evidence-based investment management and tax, estate, and retirement planning for HNW clients — directly comparable service set and client segment to Calibrate.
• Mariner Wealth Advisors: Large, independent RIA platform offering comprehensive wealth planning, investment management, tax, estate, and insurance strategies to HNW clients — directly comparable to Calibrate's open-architecture, white-glove approach.

Emerging players

• Sanctuary Wealth: Wealth management platform partnering with elite advisors to provide open-architecture investment and insurance solutions — highly comparable platform model for independent advisor teams seeking scale.

Broad incumbents

• Edelman Financial Engines: Largest independent RIA in the U.S., providing wealth planning, investment management, and financial life planning to mass-affluent through HNW households — broad incumbent serving overlapping client outcomes.
• Focus Financial Partners: Leading partnership model for independent, fiduciary wealth management firms — provides capital, infrastructure, and M&A capabilities to RIA firms comparable in structure and target market to Calibrate.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of advisors with investment, insurance, and advisory infrastructure — operates at massive scale the same way Calibrate operates through Integrity Alliance.
• Commonwealth Financial Network: Large independent broker-dealer/RIA supporting independent financial advisors with a wide product platform — comparable as a larger, established counterpoint providing the type of affiliation Calibrate obtains through Integrity Alliance.
• Cetera Financial Group: Multi-channel independent broker-dealer and advisor platform providing investment, insurance, and practice-management support to thousands of advisors — comparable to Calibrate's broker-dealer-affiliated model at significantly larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/calibrate-wealth-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 Calibrate Wealth Partners