360 Financial

What 360 Financial does

360 Financial, LLC is a privately held financial advisory firm headquartered in San Francisco, California, that specializes in the intersection of structured settlement planning and comprehensive financial planning. Founded in 2010 by Douglas Arnest, the firm serves a nationwide U.S. client base spanning individuals and families, legal claimants (including minor claimants requiring specialized trusts such as Medicare Set-Aside, Special Needs, and 468B trusts), and trial lawyers seeking attorney fee structured settlements and non-qualified deferred compensation plans. The firm's operating model is consultative and referral-driven: Arnest conducts free initial consultations personally and the firm travels nationwide to attend settlement conferences and mediations with clients on-site. The go-to-market depends critically on formal affiliation with six major trial lawyer associations (CAOC, CAALA, AAJ, SFTLA, ACCTLA, WTLA) that supply a steady flow of referred settlement cases.

The firm's product surface is built around three service lines — Settlement Planning/Structured Settlements, Financial Planning, and Investment Management — supplemented by trust arrangements and disbursement structuring (cash settlements, structured annuity settlements, and index-linked annuities). Differentiated proprietary components include the '360 RoadMap' step-by-step financial planning program, the '360 Workbook' documentation tool, and the '360 ReportCard' financial assessment tool, all powered by MoneyGuide Pro as the core financial planning software platform. For investment management, the firm partners with Barden Capital Management (an external registered investment adviser) with Charles Schwab serving as custodian, rather than operating its own RIA.

The business model layers three revenue streams: subscription/recurring financial planning advisory fees, AUM-based investment management fees routed through the Barden Capital partnership, and professional services fees on settlement planning engagements. Pricing is not publicly disclosed; management fees are referenced on the website without specific figures. Revenue is not reported in any source and the firm has not raised external funding. Headcount is reported as 1-10 employees, and the ownership structure is founder-led with no institutional investors, parent company, or subsidiaries.

Name

360 Financial

Legal name

360 Financial, LLC

Website

https://360financial.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

360 Financial is a founder-led financial advisory firm providing structured settlement planning, comprehensive financial planning via its proprietary 360 RoadMap, and investment management to individuals, claimants, minor claimants, and trial lawyers across the United States from San Francisco.

Ownership category

akta.pro rank

Headquarters

HQ city

San Francisco

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, Infrastructure

Revenue model

1. Financial Planning Services: Advisory fees for comprehensive financial planning services including goal-setting, forecasting, and ongoing financial guidance.
2. Investment Management: Fees for managing investment portfolios, typically charged as a percentage of assets under management.
3. Structured Settlement Planning: Advisory services for structured settlement arrangements, including annuity products and trust structures for claimants.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

360 Financial provides structured settlement planning (including settlement conference attendance, mediation support, and specialized trust arrangements such as Medicare Set-Aside, Special Needs, and 468B trusts), goal-based comprehensive financial planning through its proprietary 360 RoadMap program, and investment management advisory services. The firm serves individuals, families, legal claimants, minor claimants, and trial lawyers nationwide from its San Francisco headquarters, partnering with eight major life insurance carriers to deliver structured settlement annuity products.

Product overview

360 Financial is a financial services company offering a unified suite of financial planning and settlement services. The core offerings include Settlement Planning/Structured Settlements (handling settlement conferences, mediations, and trust arrangements for legal settlements), Financial Planning (with tools like 360 RoadMap, 360 Workbook, and 360 ReportCard for comprehensive goal-based planning), and Investment Management. These services are designed to work together to provide clients with complete financial guidance from settlement management through long-term financial planning and investment oversight.

Differentiator

Problem solved

Functional benefit

Products and services

• Settlement Planning / Structured Settlements Structured settlement planning service that includes attendance at settlement conferences and mediations nationwide, plus advice on structured vs. cash settlement options for legal claimants and trial lawyers. Delivered in partnership with eight major life insurance carriers.
• Financial Planning (360 RoadMap)
• Investment Management
• Trust Services

Quantifiable outcome

• Goal-based planning approach confirmed to outperform others 90 percent of the time according to research cited on website

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Consumer Attorneys of California (CAOC)coreGTM or Marketing PartnerTrial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• Consumer Attorneys Association of Los Angeles (CAALA)coreGTM or Marketing PartnerTrial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• American Association for Justice (AAJ)coreGTM or Marketing PartnerTrial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• San Francisco Trial Lawyers Association (SFTLA)coreGTM or Marketing PartnerLocal trial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• Alameda County Consumer Trial Lawyers Association (ACCTLA)coreGTM or Marketing PartnerLocal trial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• Western Trial Lawyers Association (WTLA)coreGTM or Marketing PartnerRegional trial lawyer association partnership for professional referrals. Association logo displayed on website indicating formal relationship.
• AIGminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• MetLifeminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• Pacific LifeminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• Berkshire HathawayminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• Mutual of OmahaminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• PrudentialminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• Independent Life Insurance CompanyminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• New York LifeminorStrategic or Co-development PartnerLife insurance company partner providing structured settlement annuity products. Company logo displayed in associations section.
• Financial Planning Association (FPA)minorGTM or Marketing PartnerProfessional association partnership for financial planners. Logo displayed in associations section.
• Barden Capital ManagementcoreStrategic or Co-development PartnerInvestment management partner providing portfolio management services. Eric Barden serves as President & Portfolio Manager, Ryan Barden as Chief Operations and Compliance Officer. Charles Schwab serves as custodian.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Ringler Associates: The largest structured settlement consulting firm in the U.S. Directly comparable to 360 Financial's core settlement planning business, serving similar claimant and trial lawyer client segments across the country.
• Sage Settlement Consulting: Independent structured settlement consulting firm working with claimants and attorneys nationwide. Direct peer in the same niche, offering similar settlement planning and trust structuring services.
• Milestone Settlement Consulting: Structured settlement consulting firm providing settlement planning, trust services, and financial guidance to claimants. Closely comparable in service offering and target customer to 360 Financial.

Broad incumbents

• Allstate Structured Settlements: A division of Allstate providing structured settlement and annuity solutions. Comparable because it serves the same settlement-claimant market and partners with plaintiff attorneys, but operates as part of a much larger insurance conglomerate.
• Edward Jones: Large retail financial advisory firm serving individuals and families with financial planning and investment management. Comparable target market (mainstream individuals and families) and overlapping planning/investment services, though vastly larger scale.
• Edelman Financial Engines: Large national financial planning and investment management firm. Comparable in delivering goal-based financial planning and investment management to individuals, though at much greater scale and with a more diversified acquisition model.
• Cetera Financial Group: Network of independent financial advisors providing financial planning, investment management, and insurance products. Comparable in offering a multi-product advisory platform to individual clients, though structured more as an advisor network.
• Northwestern Mutual: Large financial services company offering financial planning, investment management, and insurance/annuity products. Comparable in combining insurance and advisory services for individuals, and is a potential structured settlement carrier competitor in the broader market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/category/Financial-Service/360-Financial-LLC-190884670951991

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 360 Financial