Respire Wealth Management

What Respire Wealth Management does

Respire Wealth Management, LLC is a privately held, fee-only Registered Investment Advisor founded in 2017 and headquartered in Clyde, North Carolina, with authority to serve clients in North Carolina, Texas, and Colorado. The firm provides investment management, comprehensive financial planning, and retirement-plan consulting services to individual investors and families (its primary segment) and to small businesses and non-profit organizations (a secondary segment). It does not sell insurance and does not earn commissions, positioning itself as a conflict-free fiduciary.

The firm's core technology is a set of tactical asset allocation strategies supported by proprietary quantitative models. The Beanstalk model is a monthly, growth-at-a-reasonable-price (GARP) screen of the S&P 500 that selects approximately 25 equal-weighted stocks across insurance, healthcare, retail, and technology sectors. The Cruiser model is an income-and-growth asset allocation framework intended to be balanced across client risk profiles. Additional product surface includes The Family Roundtable (a two-meeting family/estate planning engagement) and a Risk Tolerance Questionnaire used for client fit assessment.

The business model is fee-only, with two revenue streams: (1) recurring investment management fees on assets under management, with comprehensive financial planning bundled in, and (2) hourly financial planning fees for prospective clients not yet ready to invest. Distribution is direct-to-client via Calendly-scheduled consultations, supported by an educational Insights blog and newsletter used as top-of-funnel content marketing. The firm is owner-operated, has no external funding or parent company, has not pursued M&A, and operates with a team of 1–10 employees.

Name

Respire Wealth Management

Legal name

Respire Wealth Management, LLC

Website

https://respirewealth.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Respire Wealth Management is a fee-only, fiduciary Registered Investment Advisor providing investment management, financial planning, and retirement-plan consulting to individual investors, families, and small businesses/non-profits across North Carolina, Texas, and Colorado.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Large-Cap Equity (Active) (FSAAAIAA)

Keywords

• Investment management
• Financial planning
• Fee-only advisory
• Retirement plan consulting
• Tactical asset allocation

Headquarters

HQ city

Kemah

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Management Fees: Fee-only investment advisory services with transparent pricing. Comprehensive financial planning is included when clients invest with the firm. The firm does not sell insurance or earn commissions, avoiding conflicts of interest.
2. Hourly Financial Planning: Hourly fee-based financial planning services for clients who are not ready to start investing. This provides an entry point for prospective clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Respire Wealth Management is a fiduciary fee-only Registered Investment Advisor providing asset allocation strategies, individual stock models, and a high income model under discretionary investment management. Comprehensive and collaborative financial planning is included for invested clients and is also available on an hourly fee basis for prospective clients. The firm also delivers small business retirement plans, retirement plan consulting, and financial wellness and education programs for businesses and non-profit organizations.

Product overview

Respire Wealth Management is a fiduciary fee-only registered investment advisory firm offering investment management and financial planning services. The core offering includes Investment Management (asset allocation strategies, individual stock models, and a high income model) and Financial Planning (comprehensive planning included with investments or hourly fee option). The firm also serves businesses and non-profits with retirement plans and financial wellness programs. Investment approaches include Tactical Asset Allocation Strategies, with specific models such as the Cruiser (income and growth oriented) and the Beanstalk (a stock-only GARP quantitative screen of approximately 25 equal-weighted S&P 500 stocks). Additional offerings include The Family Roundtable (estate planning discussions) and a Risk Tolerance Questionnaire.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Fiduciary fee-only investment management offering asset allocation strategies, individual stock models, and a high income model, matched to client goals with transparent pricing; fiduciary, no commissions, and no insurance sales.
• Financial Planning Comprehensive and collaborative financial planning delivered as part of investment management, or available on an hourly fee basis for clients not yet ready to invest.
• Services for Organizations Small business retirement plans, retirement plan consulting, and financial wellness and education programs offered to businesses and non-profit organizations.
• The Family Roundtable A structured two-meeting estate and family-planning program consisting of an initial one-hour goal-setting session followed by a one-to-two-hour family discussion covering financial concerns, long-term care planning, and estate planning topics.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Facet Wealth: Tech-enabled, fee-only fiduciary RIA offering flat-fee financial planning and investment management for individuals. Closely comparable business model to Respire's fee-only, no-commission, transparent-pricing approach, but at materially greater scale and with a digital-first delivery model.
• Ellevest: Female-founded, fee-only digital wealth management and financial planning platform. Comparable to Respire in founder-led identity, fee-only positioning, and individual investor focus, but operates at venture-backed scale with proprietary tech platform.
• XY Planning Network: Network of independent, fee-only financial planners serving Gen X and Gen Y clients on a monthly subscription basis. Directly comparable fee-only, no-AUM-minimum advisory model that competes with Respire's hourly and managed-account offerings for the same retail segment.

Broad incumbents

• Carson Group: Large RIA support and wealth management firm serving independent advisors and their clients. Comparable in offering financial planning and investment management, but operates as a scaled platform with technology, coaching, and back-office infrastructure that a solo practice like Respire cannot match.
• Focus Financial Partners: Leading partnership of independent, fiduciary wealth management firms. Comparable fee-only, fiduciary model at the practice level, but operates as a scaled RIA consolidator with M&A capacity and institutional backing that a 1-10 person firm lacks.
• Fisher Investments: Large, established active investment manager primarily serving high-net-worth individuals. Overlaps with Respire's tactical/active equity approach (e.g., comparable GARP-style stock selection), but operates at vastly greater scale and as a private, founder-led firm.
• Vanguard Personal Advisor: Hybrid robo-plus-human advisory service from Vanguard. Directly competes for Respire's asset-allocation and financial-planning clients at significantly lower fees, leveraging Vanguard's brand and scale as the dominant incumbent.
• Betterment: Largest independent robo-advisor offering automated portfolio management with optional human advice. Overlaps Respire's core asset allocation offering and competes on price, but operates as a scaled, venture-backed digital platform rather than a personal advisory practice.
• Schwab Intelligent Portfolios: Automated investment advisory service from Charles Schwab. Competes with Respire's asset allocation offerings at no advisory fee, leveraging Schwab's custodial scale and brand — a structural pricing pressure on fee-only advisors.

Emerging players

• Guideline: Technology platform providing 401(k) retirement plans to small businesses. Directly comparable to Respire's 'Services for Organizations' small-business retirement plan offering, but delivers it as a scalable SaaS platform rather than a consulting engagement.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/RespireWealth
• Facebookfacebook.com/respirewealth
• LinkedInlinkedin.com/company/respirewealth

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 Respire Wealth Management