Impact Wealth

What Impact Wealth does

Impact Wealth is a Boulder, Colorado-based wealth management firm founded in 2019 by James (Jim) Teegarden, an industry veteran with nearly three decades of experience spanning Cigna Financial Advisors, Spectrum Financial Network (co-founded 1997), and Teegarden Financial Corporation (launched 2004). The firm targets high-net-worth individuals and families, business owners, and retirees/pre-retirees with stated net worth ranging from $2M to $30M+, operating under an explicit "quality over quantity" philosophy that prioritizes deep, customized engagements over client volume. Services are organized around integrated financial planning, tax-efficient investing, insurance-based wealth planning, and estate/legacy structuring, and the firm relies on two core operating partners: Csenge Advisory Group, Inc. (a separate Registered Investment Advisor providing institutional-level portfolio construction and oversight) and Madison Avenue Securities, LLC (a FINRA/SIPC member broker-dealer for securities execution and custody).

The firm's core technology is a direct indexing platform featuring advisor-built custom index models, signal-based monitoring, capital gains budget optimization, tax-loss harvesting, and threshold-based re-optimization, where clients own the individual stocks that comprise the index rather than pooled funds. The product suite spans Financial Planning with a Vengeance (a five-step dynamic planning process), Tax Efficient Investing (direct indexing), Advanced Wealth Planning, Tax-Free & Tax-Efficient Retirement, Insurance-Based Wealth Planning, Estate/Trust/Legacy Planning, and specialty add-on modules including Kai-Zen Leveraged Life Insurance, Retirement Plan Optimization, and Real Estate/DST/1031 Planning. Client experience is supported by four portal integrations — eMoney, Fidelity, Pershing NetXInvestor, and Orion Advisor — alongside a multi-channel content engine (webinars, podcast, LinkedIn/Facebook/X organic social, resource library).

The business model combines fee-based recurring investment advisory revenue (through Csenge Advisory Group) with commission-based securities revenue (through Madison Avenue Securities), with engagements typically priced as a percentage of assets under management or flat fees for specific planning engagements — none of which are publicly disclosed. The firm operates from a single Boulder headquarters (4770 Baseline Road Suite 380), serves US residents only, is structured as a privately held independent RIA under founder ownership, and employs approximately 9 team members spanning CEO, wealth advisors, and directors of client relations, insurance operations, operations, creative, and marketing. There is no public revenue, funding history, M&A activity, or AI/ML capability disclosed in the input data.

Name

Impact Wealth

Legal name

Impact Wealth

Website

https://impactwealth.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Impact Wealth is a Boulder, Colorado-based wealth management firm founded in 2019 by Jim Teegarden, serving high-net-worth individuals, families, and business owners with $2M-$30M+ in assets through integrated financial planning, tax-efficient direct indexing, insurance strategies, and estate/legacy planning.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

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

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAACAH

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

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

Headquarters

HQ city

Boulder

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, Others

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services through Csenge Advisory Group, a Registered Investment Advisor. Provides institutional-level portfolio construction and ongoing oversight.
2. Securities Commissions: Securities offered through Madison Avenue Securities, LLC (MAS), member FINRA & SIPC. Commission-based revenue from investment products.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Impact Wealth provides integrated wealth management for high-net-worth individuals and families ($2M-$30M+ in assets), combining institutional-style investment management via direct indexing with advanced financial planning across taxes, insurance, retirement, and estate/legacy strategies. Services are delivered through a five-step process — Discovery Call, Engagement, Planning, Implementation, and Ongoing Oversight — and are supported by an in-house team plus partnerships with Csenge Advisory Group (RIA) and Madison Avenue Securities (broker-dealer).

Product overview

Impact Wealth is a wealth management firm offering an integrated suite of financial planning services organized around three key goals: Growth, Protection, and Giving. The core offerings include Financial Planning with a Vengeance (dynamic planning that evolves with life changes), Tax Efficient Investing (direct indexing), Advanced Wealth Planning, Tax-Free & Tax-Efficient Retirement planning, Insurance-Based Wealth Planning, Estate/Trust/Legacy Planning, and specialized add-on modules including Kai-Zen & Leveraged Life Insurance, Retirement Plan Optimization, and Real Estate/DST/1031 Planning. The firm serves high-net-worth individuals ($2M-$30M+), business owners, and families through an integrated approach combining insurance, tax strategy, and wealth planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning with a Vengeance Dynamic, evolving financial planning service that integrates cash flow, investments, protection, taxes, and long-term goals through a five-step process (Discovery Call, Engagement, Planning, Implementation, Ongoing Oversight) and adapts as client income, family, and goals change. Designed for affluent individuals and families seeking holistic planning.
• Tax Efficient Investing Direct indexing investment service featuring advisor-built custom index models, signal-based monitoring, capital gains budget optimization, tax-loss harvesting, Social Security benefits management, and re-optimization when thresholds allow. Clients own individual stocks that make up the index rather than pooled funds. For high-net-worth investors seeking tax efficiency.
• Advanced Wealth Planning Comprehensive wealth planning for high-net-worth individuals with complex financial situations, integrating tax efficiency, asset protection, estate planning, insurance structures, and alternative investments under a single custom strategy.
• Tax-Free & Tax-Efficient Retirement Tax-aware retirement income planning that balances taxable, tax-deferred, and tax-efficient income sources including Traditional IRA, 401(k) rollovers, Social Security benefits, and Required Minimum Distributions. Designed to create flexibility, control, and confidence in retirement.
• Insurance-Based Wealth Planning Strategic insurance integration that positions insurance as a tool for liquidity, tax efficiency, and long-term planning, supporting wealth accumulation, income planning, and legacy goals through tax-advantaged growth strategies, market guarantees, and efficient wealth transfer.
• Kai-Zen & Leveraged Life Insurance Leveraged life insurance strategy for high earners with consistent cash flow seeking greater long-term efficiency beyond traditional planning. Uses structured life insurance and optional leverage to create amplified accumulation, tax-efficient access, and long-term legacy benefits.
• Retirement Plan Optimization Structured framework for pre-retirees and retirees with large pre-tax account balances to accumulate, transition, and generate retirement income with discipline. Uses life insurance policies structured within qualified plans to optimize cash value growth while minimizing insurance costs.
• Real Estate, DST & 1031 Planning Strategic real estate transition planning that helps investors evaluate 1031 exchanges, Delaware Statutory Trusts (DSTs), and integrated tax strategies, balancing income, diversification, and long-term goals while addressing capital gains, 1031 deadlines, management burdens, and concentration risk.
• Estate, Trust & Legacy Planning Strategic legacy planning that integrates financial, legal, and tax strategy to transfer assets, values, control, and clarity to future generations. Helps families structure trusts, liquidity strategies, and insurance solutions for efficient, equitable asset transfer without tax traps.

Quantifiable outcome

• Tax-efficient retirement income and reduced future tax liability
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and support.

• Csenge Advisory GroupcoreTechnology or IntegrationStrategic partnership providing established investment platform with institutional-level research, portfolio construction, and ongoing oversight. Supports Impact Wealth's advisory services while maintaining personal client relationships.
• Madison Avenue Securities, LLC (MAS)coreChannel Partner/ Reseller/ DistributorSecurities brokerage firm, member FINRA & SIPC. Provides securities execution and custody services for client investments.
• eMoneysupportTechnology or IntegrationClient portal platform for financial planning and account management used by Impact Wealth clients.
• FidelitysupportTechnology or IntegrationDigital wealth management platform providing client portal access for investment account management.
• Pershing NetXInvestorsupportTechnology or IntegrationInstitutional client portal platform through Pershing for account access and management.
• Orion AdvisorsupportTechnology or IntegrationFinancial planning technology platform enabling advisor-client portal access.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Creative Planning: One of the largest independent RIAs serving HNW/UHNW clients with comprehensive wealth, tax and estate planning; broader scale and product breadth than Impact Wealth but same client archetype and integrated delivery model.
• Mariner Wealth Advisors: Large national RIA platform serving HNW families, business owners and institutions with integrated advisory, tax, estate and insurance services; broader scale but overlapping integrated planning approach.
• Mercer Advisors: National RIA combining financial planning, direct indexing, tax planning and estate services for HNW clients; competes in the same integrated HNW planning space as Impact Wealth but at much greater scale.
• Schwab Wealth Advisory: Schwab's premium paid advisory offering with financial planning and investment management for HNW households; competing integrated-advice alternative at lower price points than a boutique RIA.
• New York Life Wealth Management: Large incumbent combining insurance, retirement and wealth management for HNW/UHNW households; comparable to Impact Wealth in combining insurance-based strategies with integrated wealth planning for high earners.

Direct peers

• Carson Wealth: Large RIA platform focused on HNW and business owners with integrated financial planning, tax and investment management — directly comparable to Impact Wealth's integrated HNW offering, just at significantly greater scale.
• BFS Wealth: Independent wealth management firm serving HNW families and business owners with financial planning, tax and estate strategies — closely aligned boutique positioning and integrated service model.
• Buckingham Strategic Wealth: National RIA focused on evidence-based investing, direct indexing and integrated financial planning for HNW households; comparable integrated planning-plus-direct-indexing stack to Impact Wealth.
• Sage Financial Group: Independent wealth management firm offering integrated financial planning, tax-aware investing and retirement planning for affluent individuals — directly comparable offering and segment to Impact Wealth.
• Halbert Hargrove: Boutique RIA serving HNW/UHNW individuals and families with integrated investment management, tax and estate planning; closely mirrors Impact Wealth's boutique, quality-over-quantity positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/impactwealth3
• Facebookfacebook.com/weimpactwealth
• LinkedInlinkedin.com/company/impactwealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Impact Wealth