Ingram Financial Group

What Ingram Financial Group does

Ingram Financial Group is a privately held, family-owned financial services firm founded in 1977 and headquartered in Winter Haven, Florida. The company delivers integrated wealth management, investment advisory, and insurance services to individuals, families, retirees, and business owners across Central Florida, with licensing that permits serving clients in multiple states. Its core product set spans 401(k) retirement plans, active investment management, comprehensive financial planning, private securities (Opportunity Zones, 1031 exchanges, oil and gas limited partnerships, private preferred stock), insurance (life, health, long-term care, disability, Medicare), and annuities. The firm operates through Ingram Advisory Services, LLC (a Registered Investment Advisor) for advisory services and partners with Centaurus Financial, Inc. (FINRA/SIPC) for securities execution, while distributing planning and account access through Pershing (NetXInvestor), Centaurus-Albridge, and eMoney.

The firm's go-to-market combines direct, advisor-led financial planning with a four-step engagement process (introductory meeting, exploration, detailed planning, and ongoing support) and content marketing via an educational blog, financial calculators, and videos. Distribution is augmented by membership in the Dave Ramsey SmartVestor Pro referral network, which funnels individuals aligned with Ramsey's debt-elimination and Baby Steps methodology into the firm's pipeline. The active investment management offering is differentiated by the proprietary Advance and Protect Strategy, which blends quantitative price/momentum/volume signals with qualitative market judgment to time entries and exits.

The business model is multi-stream: recurring advisory fees via the RIA, transaction-based securities commissions routed through Centaurus Financial, and insurance commissions on individual and group products. Pricing is quote-based and tailored rather than published. Ownership rests with the Seymour family (Michael Seymour as President, Donna Seymour as COO/Wealth Advisor), with no external institutional investors or parent company. The firm employs 11-50 staff, has no disclosed revenue, has raised no external funding, and shows no public listing.

Name

Ingram Financial Group

Legal name

Ingram Financial Group, Inc.

Website

https://ingramfinancialgroup.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

Ingram Financial Group is a privately held, family-owned financial services firm founded in 1977 in Winter Haven, Florida, providing wealth management, investment advisory, retirement planning, private securities, and insurance to individuals, families, retirees, and business owners across Central Florida via its RIA subsidiary and a Dave Ramsey SmartVestor Pro referral channel.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Insurance Agencies and Brokerages (524210), Finance and Insurance (52)

SIC

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

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG), Business Owner & Executive Financial Planning (FSAEAAAO), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Wealth management services
• Investment advisory
• Retirement planning
• Financial planning
• Insurance brokerage

Headquarters

HQ city

Winter Haven

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, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Services: Advisory services offered through Ingram Advisory Services, LLC, a Registered Investment Advisor. The firm provides active investment management, financial planning, and portfolio management services for individual and business clients.
2. Securities Commissions: Securities are offered through Centaurus Financial, Inc., member FINRA and SIPC. The firm earns commissions on securities transactions including stocks, bonds, mutual funds, and alternative investments.
3. Insurance Products: Insurance division offering individual and business coverage including life insurance, health insurance, long-term care, annuities, and disability insurance. Revenue comes from insurance premiums and commissions on insurance products sold through multiple carriers.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Ingram Financial Group is a licensed financial services firm offering integrated wealth management, investment advisory, and insurance solutions delivered by licensed advisors. The firm provides personalized financial planning, active investment management via its proprietary Advance and Protect Strategy, retirement and 401(k) planning, private securities and alternative investments, annuities, and a broad range of insurance products. Services are delivered to individuals, families, retirees, and business owners across Central Florida through a Winter Haven, Florida home office.

Product overview

Ingram Financial Group is a licensed financial services company offering an integrated suite of wealth management, investment advisory, and insurance services. The core offering consists of 401(k) Retirement Plans, Active Investment Management (using the proprietary Advance and Protect Strategy), and comprehensive Financial Planning. These are supplemented by Private Securities (alternative investments), Insurance products, and Annuities. The firm also operates under the SmartVestor sub-brand affiliated with Dave Ramsey, providing debt-elimination and wealth-building guidance following the 7 Baby Steps methodology. Services are delivered through their Winter Haven, Florida home office to individuals, families, retirees, and business owners throughout Central Florida, with securities offered through Centaurus Financial Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• 401(k) Retirement Plans

Quantifiable outcome

• Active management aims to reduce risk and protect investments through quantitative and qualitative market analysis

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature1 record

Partnerships

Three partnerships are on record, tiered core and flagship.

• Centaurus Financial, Inc.coreChannel Partner/ Reseller/ DistributorSecurities offered through Centaurus Financial, Inc., member FINRA and SIPC. Ingram Financial Group operates as an independent firm utilizing Centaurus for securities transactions and brokerage services. Centaurus-Albridge provides account access platform for client accounts.
• Ingram Advisory Services, LLCcoreOthersRegistered Investment Advisor subsidiary providing fiduciary advisory services to clients. Ingram Advisory Services operates as a separate entity from the broker-dealer relationship with Centaurus Financial.
• Dave Ramsey / SmartVestorflagshipChannel Partner/ Reseller/ DistributorIngram Financial Group is a SmartVestor Pro in the Dave Ramsey network. The partnership connects the firm with individuals seeking financial guidance aligned with Dave Ramsey's Baby Steps methodology. The firm follows Ramsey's values of debt elimination and financial peace, positioning themselves as trusted voices on money management.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Edward Jones: National financial advisory firm offering wealth management, retirement planning, and insurance to individuals and small businesses through a local-office advisor model. Closely mirrors Ingram's integrated wealth/insurance offering and Central-Florida-style personal advisory approach.
• Mariner Wealth Advisors: Independent RIA providing comprehensive financial planning, investment management, tax, estate, and insurance solutions to individuals and business owners. Comparable to Ingram's RIA-plus-insurance integrated model, though at significantly larger scale.
• Cetera Financial Group: Network of independent financial advisors offering wealth management and insurance through multiple custodians. Similar independent-RIA-with-insurance structure to Ingram, though Cetera provides the broker-dealer and back-office infrastructure rather than relying on Centaurus.
• Cambridge Investment Research: Independent broker-dealer supporting thousands of financial advisors who deliver wealth, retirement, and insurance services to individuals. Comparable to Ingram's model of operating as an independent advisory firm under a third-party broker-dealer relationship.
• Commonwealth Financial Network: Independent broker-dealer/RIA platform serving independent financial advisors with comprehensive wealth and insurance solutions. Comparable independent advisor model and service mix to Ingram.

Broad incumbents

• Raymond James Financial: Large diversified financial services firm headquartered in nearby St. Petersburg, FL, offering wealth management, investment banking, and asset management. Operates in the same Florida geography with overlapping advisory services for individuals and businesses.
• Ameriprise Financial: National financial advisory firm with a large advisor force delivering wealth management, retirement planning, and insurance to individuals and small businesses. Overlapping target market and product set as Ingram.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting RIAs and advisors with wealth and insurance infrastructure. Functions as the platform that many Ingram-style independent advisor firms sit on top of.
• Robert W. Baird: Large private wealth and asset management firm serving individuals, families, and institutions with financial planning and investment services. Comparable wealth advisory franchise at materially larger scale.
• Fisher Investments: Large active investment management firm serving individuals and institutions with personalized portfolio management. Comparable active-management thesis to Ingram's Advance and Protect Strategy, though at much greater AUM scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks3 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 Ingram Financial Group