20/20 Financial Advisors

What 20/20 Financial Advisors does

20/20 Financial Advisers is a private wealth management ensemble practice operating 14 offices across California, Florida, Delaware, and Texas, affiliated with Prime Capital Investment Advisors (rebranded Prime Capital Financial in July 2024). The firm delivers holistic financial planning, wealth management, and retirement planning to individuals, families, pre-retirees, and business owners, supported by specialized modules covering estate planning, tax planning (Roth conversions, tax-loss harvesting, charitable strategies), insurance (life, disability, long-term care, annuities), and business-owner services (SEP/SIMPLE IRAs, 401(k), profit-sharing, succession planning). Services are delivered by 16+ credentialed advisors (CFP®, ChFC®, CLU®, CRPC®, AIF® designations), several of whom carry 25-40 years of industry experience and are organized into regional entities (e.g., 20/20 Financial Advisers of San Diego LLC, Palmer Group, Sacramento office).

The firm is not a technology company: its operating stack is built on third-party custodian and planning platforms — Charles Schwab, Fidelity, Goldman Sachs, eMoney/Prime Clarity, Orion Advisor, SEI Wealth Manager, and Tamarac/Gould Asset — with securities offered through Private Client Services (FINRA/SIPC broker-dealer). Revenue mechanics combine fee-based advisory (delivered through PCIA), recurring financial planning subscriptions, insurance commissions, and securities transaction fees. There are no disclosed pricing schedules; engagements are quote-based with complimentary introductory consultations. In December 2021, 20/20 Financial Advisers, Inc. and its RIA 20/20 Capital Management, Inc. merged into Prime Capital Investment Advisors, converting the firm into an affiliated practice within a larger RIA platform. Growth is referral-driven (CPAs, attorneys, satisfied clients) with supplemental digital channels including blog, monthly newsletter, video/whitepaper library, and social media. No AI/ML capabilities, proprietary models, patents, or funding events are disclosed in the input data.

Name

20/20 Financial Advisors

Legal name

20/20 Financial Advisers, LLC

Website

https://2020fa.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

20/20 Financial Advisers is a private wealth management firm affiliated with Prime Capital Investment Advisors, operating 14 US offices. It delivers holistic financial planning, wealth management, and retirement advisory services to individuals, families, and business owners through credentialed advisors.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

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

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAACAB

Financial Planning–Led RIAs

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

SECONDARYFSAEAAAL

Fee-Only Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

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

Headquarters

HQ city

Costa Mesa

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Financial Advisory Services: Fee-based financial planning and investment advisory services offered through Prime Capital Investment Advisors. Services include holistic financial planning, wealth management, retirement planning, and investment management.
2. Insurance Products: Life insurance, disability insurance, long-term care insurance, and annuities offered through advisor licenses.
3. Securities and Brokerage Services: Securities products and services offered through Private Client Services, a registered broker-dealer and member of FINRA/SIPC.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

20/20 Financial Advisors is a fee-based financial advisory practice delivering holistic financial planning, wealth management, and retirement planning to individuals, families, and business owners. Services are delivered by credentialed advisors (CFP®, ChFC®, CLU®) across 14 offices nationwide, with investment advisory offered through Prime Capital Investment Advisors and securities through Private Client Services. Complementary offerings include estate planning, tax planning, insurance planning, and business owner advisory (employee benefits, succession, retirement plan administration).

Product overview

20/20 Financial Advisors offers a unified financial advisory service built around three core offerings: Holistic Financial Planning, Wealth Management, and Retirement Planning. These core services are supported by specialized modules including Estate Planning, Tax Planning, Insurance Planning, and Business Owner Services. The firm provides investment advisory services through its partnership with Prime Capital Investment Advisors, a federally registered investment adviser. All services are delivered through a network of credentialed financial advisors and partners with third-party custodian platforms including Charles Schwab, Fidelity, Orion Advisor, and eMoney for account management and financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Holistic Financial Planning Comprehensive financial planning service that addresses all aspects of a client's financial life, including workplace benefits, daily budgeting, insurance, and estate planning, customized to the client's goals, family, legacy desires, risk tolerance, time horizon, and accumulated assets.
• Wealth Management Investment and asset management services focused on portfolio balancing and retirement asset management, with strategies tailored to different life stages and supported by third-party custodians and portfolio management tools.
• Retirement Planning Pre-retirement and retirement income planning including tax reduction strategies, asset protection, growth potential assessment, Social Security optimization, healthcare cost planning, and decumulation strategy.
• Estate Planning Legacy planning services including wills, trusts, medical powers of attorney, guardianship, and charitable giving strategies to preserve and transfer client wealth.
• Tax Planning Tax reduction and mitigation strategies including Roth conversions, tax-loss harvesting, charitable giving tactics, and coordination with CPAs for comprehensive tax analysis.
• Insurance Planning Risk management and insurance products including life insurance, disability income insurance, long-term care insurance, and annuity products offered through advisor-held insurance licenses.
• Business Owner Services Financial planning services for business owners including employee benefits optimization, business succession planning, and administration of SEP IRA, SIMPLE IRA, 401(k), and profit-sharing plans.
• Investment Advisory Services Fee-based investment advisory and planning services provided through Prime Capital Investment Advisors, including portfolio management and risk analysis.

Quantifiable outcome

• Advisors help clients create income floors through guaranteed income sources like Social Security, annuities, and pensions to ease market volatility concerns.
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Five partnerships are on record, tiered core.

• Prime Capital Investment AdvisorscoreStrategic or Co-development Partner · 1 January 2021In December 2021, 20/20 Financial Advisers, Inc and their Registered Investment Advisor, 20/20 Capital Management, Inc merged with Prime Capital Investment Advisors, Inc. This partnership enhanced their abilities to add value through additional wealth management resources and financial services.
• Charles SchwabcoreTechnology or IntegrationThird-party custodian and brokerage platform used by the firm for client account management. Part of the custodian login infrastructure for client access.
• FidelitycoreTechnology or IntegrationThird-party custodian and brokerage platform providing account management capabilities for clients. Available through client login portal.
• eMoneycoreTechnology or IntegrationFinancial planning software platform (Prime Clarity eMoney) used for comprehensive financial planning services.
• Private Client ServicescoreTechnology or IntegrationRegistered broker-dealer and member of FINRA/SIPC through which securities products and services are offered. Securities offered by Registered Representatives through Private Client Services.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Edelman Financial Engines: Large national RIA providing comprehensive financial planning, investment management, and retirement planning services to individuals and households — broader scale and brand but overlapping holistic service model.
• Fisher Investments: Large RIA specializing in portfolio management and retirement planning for high-net-worth individuals — overlapping client base and retirement focus, but predominantly asset-management rather than ensemble-planning led.
• Edward Jones: National full-service brokerage and advisory firm with a branch-based advisor model delivering financial planning, retirement, and wealth management to individuals — directly comparable local-advisor distribution and planning focus but at vastly greater scale.
• Northwestern Mutual: Large financial services company combining holistic financial planning, wealth management, retirement, and insurance products through a national advisor network — directly overlapping in the comprehensive planning + insurance offering that distinguishes 20/20.
• Raymond James Financial Services: Large diversified financial services firm offering investment advisory, financial planning, retirement, and wealth management through an advisor network — overlapping service mix and target client base with much greater scale.
• Prime Capital Financial: Parent RIA platform of 20/20 Financial Advisers since the 2021 merger; operates a much larger national ensemble RIA model with broader advisor network, greater AUM scale, and centralized wealth management infrastructure that 20/20 leverages.

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA providing holistic financial planning, investment management, retirement, and tax planning to individuals and families — closely comparable holistic, fee-based advisory model.
• Carson Group: Advisor partnership platform offering financial advisors wealth management, coaching, and back-office infrastructure under a national RIA — directly comparable to 20/20's affiliate RIA model under Prime Capital.
• Mariner Wealth Advisors: Nationally scaled ensemble RIA delivering holistic financial planning, investment advisory, retirement, tax, and estate services — comparable ensemble practice structure and broad-service model.
• Creative Planning: Large multi-family office and RIA offering comprehensive financial planning, wealth management, tax, and estate services to individuals and business owners — directly comparable in service breadth and holistic planning philosophy, though at materially greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/2020OrangeCounty
• Xx.com/2020_Houston
• LinkedInlinkedin.com/company/20-20-financial-advisers-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 20/20 Financial Advisors