JWM

What JWM does

Jacobson Wealth Management (JWM) is a privately-held, family-owned independent wealth management and financial planning firm headquartered in Napa Valley, California, founded in 2007. The firm serves individual clients and families, as well as small business owners, primarily across California and eight additional U.S. states (OR, NV, WA, AZ, OH, KS, IL, NY, MD). Its core offering is holistic financial planning delivered through licensed CFP professionals, anchored by a proprietary 'Wealth Map' tool that consolidates a client's entire financial picture into a living, evolving roadmap covering investments, retirement, estate, tax, insurance, college funding, and wealth transfer.

The firm operates a broad product suite including advisory accounts (AUM-based fees), regular brokerage accounts (transaction-based), 401K and defined benefit plans, variable annuities, variable and term life insurance, disability income insurance, long-term-care insurance, 529 college savings plans, and alternative investments. The proprietary Wealth Map tool and the firm's digital presence (blog, resource center, calculators) appear to be built on or hosted via the FMG Suite platform, based on static asset URLs; no proprietary technology platform, mobile application, API, or AI/ML capability is disclosed.

JWM operates as an independent firm under a core partnership with United Planners Financial Services (member FINRA/SIPC), which provides regulatory oversight, custodial access, and product breadth. Revenue is generated through a hybrid model combining recurring AUM-based advisory fees with transaction-based commissions on brokerage activity and insurance product placements. Client acquisition relies on referrals, educational content marketing (blog, resource center, email), and community-based seminars delivered in partnership with Napa Valley College and Napa Senior Center. The firm carries no disclosed funding, no institutional investors, and no M&A activity; ownership and operations remain concentrated in the Jacobson family.

Name

JWM

Legal name

Jacobson Wealth Management

Website

https://jacobsonwealth.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Jacobson Wealth Management is a family-owned, independent wealth management and financial planning firm in Napa Valley serving individuals, families, and small business owners with $250K+ investable assets across nine U.S. states, operating under United Planners Financial Services.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Business Owner & Executive Financial Planning (FSAEAAAO)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Risk Management & Insurance Advisory for Families (FSAAADAK)

Keywords

• Wealth management services
• Financial planning advisory
• Investment management
• Retirement planning
• Estate planning

Headquarters

HQ city

Napa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Advisory/Management Fees: Primarily compensated as a percentage of assets under management (AUM). Monthly or quarterly advisory fees applied regardless of number or frequency of account changes.
2. Commission-based Compensation: Hybrid compensation model where commission-based compensation is offered when in the client's best interest, typically for simpler brokerage accounts where transaction-based fees apply only when securities are bought or sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Jacobson Wealth Management is a family-owned advisory firm that delivers comprehensive financial planning and wealth management services to individuals, families, and small business owners. Its central offering is the proprietary Wealth Map, a living financial roadmap, supplemented by actively managed advisory accounts, regular brokerage accounts, retirement planning, estate planning, tax planning, business succession planning, and a range of insurance and investment products (annuities, life, disability, long-term care, 401K, 529, alternative investments) accessed through independent broker-dealer United Planners Financial Services.

Product overview

Jacobson Wealth Management offers a comprehensive suite of financial planning and wealth management services. The core offering is the proprietary Wealth Map, a personalized living financial roadmap that consolidates a client's entire financial picture. Services include investment management through Regular Brokerage and Advisory Accounts, comprehensive financial planning, retirement planning, estate planning, and tax planning. Insurance products offered include variable annuities, variable life insurance, disability income insurance, life insurance (term and universal), and long-term-care insurance. Investment products include 401K and Defined Benefit Plans, 529 college funding plans, and alternative investments. The firm also provides specialized services for business succession planning and wealth transfer strategies. All services are delivered through United Planners Financial Services as an independent broker-dealer and Registered Investment Advisor.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Map JWM's proprietary comprehensive financial planning tool that creates personalized, living roadmaps consolidating a client's entire financial picture into one place, designed to evolve alongside the client's life.
• Advisory Accounts Actively managed accounts offering regular monitoring and periodic portfolio modifications and rebalancing based on market changes, charged as a competitive monthly or quarterly advisory fee based on assets under management.
• Regular Brokerage Simple brokerage accounts for clients not needing regular portfolio changes, with transaction fees applied only when buying or selling, offering a wide choice of custodians.
• Comprehensive Financial Planning Holistic financial planning service addressing all aspects of a client's financial life, including wealth accumulation, retirement planning, and wealth transfer strategies.
• Investment Management Tailored investment strategy development and management based on individual financial goals, risk tolerance, and time horizon.
• Retirement Planning Planning services to help clients accumulate money needed to pursue the retirement activities they want.
• Estate Planning Services to help clients manage personal affairs while alive and control distribution of wealth upon death.
• Tax Planning Tax strategies and management services to help clients better manage their overall tax situation.
• Business Succession Planning Planning services for business owners to ensure smooth transition of business ownership.
• Wealth Transfer Strategies Planning services focused on transferring wealth to beneficiaries and heirs.
• 401K and Defined Benefit Plans Retirement plan solutions for solo businesses up to larger enterprises, helping business principals and employees save for retirement while supporting employee retention.
• College Funding / 529 Plans College funding options including 529 Plan accounts to help children and grandchildren afford higher education costs.
• Alternative Investments Variety of alternative investments for clients seeking portfolio diversification, reduced volatility, and specific investing objectives such as income generation or real estate investing.
• Variable Annuities Long-term retirement solutions providing guarantees from the offering insurance company, with detailed explanation of often complicated strategies before investment.
• Variable Life Insurance Life insurance products that also allow contributions to receive market-based returns, with explanation of pros and cons versus lower-risk options.
• Life Insurance (Term, Universal) Insurance against the risk that death may impose financial hardship on a family or business.
• Disability Income Insurance Insurance protecting against illness and injury that can cause loss of income.
• Long-Term-Care Insurance Insurance covering costs for assistance with activities of daily living not generally covered by medical insurance or Medicare.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• United Planners Financial ServicescoreChannel Partner/ Reseller/ DistributorSecurities and Advisory Services are offered through United Planners Financial Services, member FINRA/SIPC. United Planners is an independent broker-dealer and Registered Investment Advisor providing regulatory oversight and custodianship services. This partnership enables JWM to offer best-of-breed products and services with few restrictions, providing access to multiple custodians for advisory accounts.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Creative Planning: Large independent RIA offering comprehensive wealth management, financial planning, retirement plan services, and insurance solutions to individuals and families. Comparable to JWM in holistic planning orientation and diversified product offering, though operating at vastly greater scale.
• Mariner Wealth Advisors: Independent RIA providing comprehensive financial planning, investment management, tax planning, estate planning, and insurance services to high-net-worth individuals and families. Highly comparable service model to JWM's holistic planning approach.
• Edelman Financial Engines: One of the largest independent RIAs offering financial planning, investment management, retirement planning, and insurance solutions to individuals and families nationwide. Comparable hybrid planning-plus-product model to JWM.
• Fisher Investments: Independent investment management firm serving individuals and families with portfolio management and financial planning services. Comparable fee-based advisory model targeting affluent investors, though more focused on discretionary portfolio management.
• Hightower Advisors: Independent RIA platform aggregating high-quality advisor teams offering comprehensive wealth management to individuals, families, and business owners. Comparable client base and holistic service model to JWM.

Broad incumbents

• LPL Financial: Largest independent broker-dealer in the U.S., providing custody, compliance, products, and technology infrastructure to thousands of independent advisors like JWM. Represents the broader category of independent BD that JWM's United Planners affiliation sits within.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting independent financial advisors with practice management, technology, and product access. A direct competitor to United Planners and a comparable infrastructure provider to firms like JWM.
• Cetera Financial Group: Independent broker-dealer and RIA network serving independent financial advisors with wealth management, advisory, and insurance product platforms. Operates as an alternative independent BD to United Planners, supporting firms with similar business models.
• Cambridge Investment Research: Independent broker-dealer supporting thousands of financial advisors with compliance, custody, technology, and product access. Direct competitor to JWM's United Planners affiliation.

Others

• Focus Financial Partners: Leading RIA aggregator and partnership firm providing capital, operational support, and M&A infrastructure to independent wealth managers. Relevant as a potential acquirer or roll-up counterparty for independent advisory firms like JWM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 JWM