What Nicholas Wealth Management does

Nicholas Wealth Management, LLC is a privately held, SEC-registered investment advisory firm founded in 2008 and headquartered in Marietta, Georgia, with a secondary office in Alpharetta. The firm operates as a fiduciary wealth manager targeting high-net-worth individuals and pre-retirees with a $500,000 minimum investable asset threshold, delivering a bundled RetireReady™ Plan that integrates income, investment, tax, healthcare, and legacy planning into a unified advisory relationship. Its core technology consists of a client portal for real-time account monitoring and retirement-goal tracking, alongside the proprietary RetireReady™ planning framework.

The firm generates revenue primarily through AUM-based advisory fees billed monthly, supplemented by hourly fees for discrete planning engagements and ETF expense ratios from its proprietary fund lineup. Under the XFUNDS sub-brand, operated in partnership with Tidal Investments LLC, the firm distributes eight actively managed ETFs on NYSE Arca covering Bitcoin (NGHT, BHDG), precious metals income (GLDN, SLVX), nuclear energy (NUKX), defense/rare earth materials (WEPN), crypto income (BLOX), and a thematic portfolio (FITZ) co-developed with Keith Fitz-Gerald Research. Securities brokerage is provided through World Equity Group, Inc. (FINRA/SIPC member).

The go-to-market motion combines direct advisory relationships, in-person dinner seminars across six Atlanta-area cities, a weekly RetireReady Radio podcast (146+ episodes), blog content, and email newsletters, all designed to drive top-of-funnel demand within the Southeast U.S. HNW retirement segment. The ETF suite, newly launched in 2026, extends distribution via exchange listing to a broader national buyer base.

Name

Nicholas Wealth Management

Legal name

Nicholas Wealth Management, LLC

Website

https://nicholaswealth.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Nicholas Wealth Management is an SEC-registered fiduciary RIA in Marietta, GA providing bundled retirement planning (income, tax, healthcare, legacy) to high-net-worth individuals with $500K+ assets, and operates the proprietary XFUNDS ETF suite of eight actively managed funds on NYSE Arca.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement planning services
• Wealth management advisory
• Fiduciary investment advice
• Proprietary ETF products
• Income-focused investing

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees (AUM-based): Annual fees computed as a percentage of assets under management, automatically debited monthly based on custodian valuations. The firm has incentive to grow AUM as fees scale with assets managed.
2. ETF Expense Ratios: Proprietary ETFs charge expense ratios (e.g., 0.99% for BLOX), generating fund-level compensation in addition to advisory fees.
3. Hourly Fees: Hourly fee structure available for certain advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Nicholas Wealth Management provides fee-based fiduciary investment advisory and comprehensive retirement planning services to high-net-worth individuals with a $500,000 minimum. The firm integrates income, investment, tax, healthcare, and legacy planning into its proprietary RetireReady™ Plan framework. It also manages a proprietary actively managed ETF suite under the XFUNDS brand covering thematic, income, precious metals, and digital asset strategies, distributed on NYSE Arca.

Product overview

Nicholas Wealth Management offers a unified financial advisory platform combining multiple service modules (RetireReady™ Plan, Income Planning, Investment Planning, Tax Planning, Health Care Planning, and Legacy Planning) with a proprietary ETF product line under the XFUNDS brand. The ETF suite includes specialized actively managed funds for Bitcoin exposure (NGHT, BHDG), precious metals income (GLDN, SLVX), nuclear energy (NUKX), defense/rare earth materials (WEPN), thematic investing (FITZ), and diversified income (BLOX), all operated in partnership with Tidal Investments LLC. The company also provides a digital client portal for account management and retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• RetireReady™ Plan Comprehensive retirement planning service that seamlessly blends income, investment, tax, and healthcare strategies into a unified approach for financial security in retirement. Sold to high-net-worth individuals ($500,000 minimum) seeking integrated fiduciary retirement guidance.
• Income Planning Financial service focused on creating a steady, reliable income stream for retirement by coordinating all available income sources and asset allocations.
• Investment Planning Strategic investment service balancing risk and growth based on client needs, focused on long-term wealth building and preservation.
• Tax Planning Tax strategy service using IRS code optimization to mitigate tax liability and protect wealth during retirement.
• Health Care Planning Healthcare cost management service including Medicare guidance, long-term care planning, and emergency health fund strategies.
• Legacy Planning Estate planning service ensuring wealth transfer to beneficiaries while minimizing tax impact and establishing effective distribution strategies.
• XFUNDS ETF Platform Proprietary ETF brand offering specialized actively managed exchange-traded funds across cryptocurrency, precious metals, nuclear energy, defense/rare earth, and thematic investment strategies. Distributed via NYSE Arca with Tidal Investments LLC as fund operator.
• Nicholas Gold Income ETF (GLDN) Income-focused precious metals ETF combining gold mining equities exposure, commodity-tracking instruments, and an actively managed options overlay strategy to generate income while providing gold market exposure.
• Nicholas Silver Income ETF (SLVX) Income-focused precious metals ETF combining silver mining equities exposure, commodity-tracking instruments, and an actively managed options overlay strategy to generate income while providing silver market exposure.
• NUKX Nuclear Energy Income ETF Actively managed income ETF targeting the nuclear energy sector, combining equity exposure, uranium commodities exposure, and an options overlay strategy to generate income.
• WEPN Defense/Rare Earth Income ETF Actively managed income ETF targeting defense and rare earth materials sectors, combining equity exposure, commodities exposure (lithium, copper, cobalt, steel), and an options overlay strategy to generate income.
• BHDG Bitcoin Downside Protection ETF Bitcoin downside protection ETF designed to hedge against significant declines in Bitcoin-related investments by primarily purchasing put options and selling call options.
• Nicholas Bitcoin and Treasuries AfterDark ETF (NGHT) First-of-its-kind actively managed ETF designed to capture Bitcoin's overnight trading alpha by gaining indirect Bitcoin exposure via futures, options, and ETPs after U.S. markets close, then rotating to short-term U.S. Treasuries during daytime trading hours.
• Nicholas Income ETF (BLOX) Actively managed income ETF blending cryptocurrency, crypto equities, and technology investments, delivering high annualized distribution rates while maintaining competitive total return positioning.
• Fitz-Gerald Must Have Portfolio® ETF (FITZ) Actively managed thematic ETF offering exposure to 20-30 high-conviction holdings across five structural themes: Digitalization, Defense, Distribution, Dislocation, and Diffusion, built on Fitz-Gerald's proprietary '5D's' framework targeting durable earnings power over 5-10 year horizon.

Quantifiable outcome

• Over 30% annualized distribution delivered by Nicholas Income ETF (BLOX)

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Keith Fitz-Gerald ResearchcoreStrategic or Co-development Partner · 28 May 2026Keith Fitz-Gerald Research collaborated with Nicholas Wealth's XFUNDS brand to launch the Fitz-Gerald Must Have Portfolio® ETF (FITZ), an actively managed thematic ETF based on Fitz-Gerald's proprietary '5D's' framework covering Digitalization, Defense, Distribution, Dislocation, and Diffusion themes.
• Tidal Investments LLCcoreTechnology or Integration · 3 March 2026Tidal Investments LLC serves as the fund operator for Nicholas Wealth's proprietary ETF suite under the XFUNDS brand. The partnership enables distribution of actively managed ETFs including NUKX (nuclear energy), WEPN (defense/rare earth materials), GLDN (gold income), SLVX (silver income), NGHT (Bitcoin overnight strategy), FITZ (thematic portfolio), and BHDG (Bitcoin downside protection). Tidal provides operational infrastructure for ETF management and listing on NYSE Arca.
• World Equity Group, Inc.coreChannel Partner/ Reseller/ DistributorSecurities are offered through World Equity Group, Inc., member FINRA and SIPC. This provides Nicholas Wealth with brokerage and custodial distribution infrastructure, enabling the firm to offer securities products through its registered investment advisory platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cetera Financial Group: Network of independent advisors and RIAs providing wealth management, retirement, and brokerage services. Comparable independent RIA model with proprietary product access, but operating at institutional scale through advisor affiliation.
• Wealth Enhancement Group: National RIA providing retirement, tax, and estate planning to HNW clients via a roll-up acquisition strategy. Comparable in retirement-focused wealth management for HNW individuals, but at significantly larger consolidated scale.
• Mariner Wealth Advisors: National RIA serving HNW clients with integrated financial planning, tax, estate, and retirement services. Comparable fiduciary model and service suite, but operates at materially larger scale with multiple offices and institutional backing.
• Carson Group: RIA and broker-dealer partner network serving financial advisors with practice management, technology, and wealth solutions. Comparable in supporting advisor-led retirement practices and offering proprietary product suites, but at significantly larger scale.
• Edelman Financial Engines: Large independent RIA combining advisor-led planning with digital/digital-hybrid tools for retirement savers and retirees. Comparable retirement focus and fiduciary positioning, but with substantially larger AUM and broader national footprint.
• Creative Planning: Large national RIA offering comprehensive wealth management, retirement, tax, and estate planning to HNW clients. Comparable to Nicholas Wealth in service breadth and fiduciary model, but vastly larger in AUM, headcount, and geographic reach.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting affiliated advisors with retirement, investment, and planning solutions. Comparable in delivering retirement-centric advisory services to HNW households through a fiduciary model.
• Equitable Advisors: National financial advisory firm offering retirement planning, wealth management, and proprietary product solutions. Comparable in HNW retirement focus with proprietary product offerings, but at large institutional scale with insurance integration.

Emerging players

• Facet Wealth: Digital-first RIA offering flat-fee financial planning and investment management to mass-affluent and HNW clients. Comparable fiduciary RIA delivery model, but uses virtual advisory rather than in-person seminars and ETFs.

Direct peers

• Avantax (formerly 1st Global): Tax-focused wealth management firm serving HNW individuals and small-business owners with integrated tax, retirement, and investment planning. Comparable in retirement/tax-centric advisory model with HNW clientele.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nicholaswealth

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 Nicholas Wealth Management