What Tier 1 Capital does

Tier 1 Capital, LLC is a Pennsylvania-based, privately held financial advisory firm that serves small and mid-sized business owners (particularly family-operated businesses) as well as individual families. The firm's offering is centered on four advisory product lines — Business Exit Planning, Business Succession Planning, Key Person Retention, and Business Valuations — supplemented by Personal Financial Planning and College Planning modules. Operations are conducted from a single headquarters at 154 Enterprise Way, Pittston, PA, serving clients nationally with a sales-led, relationship-based go-to-market motion that begins with free, no-obligation strategy sessions.

Underlying the advisory practice is a codified, proprietary methodology branded the "Tier 1 Capital Growth Process," a four-step framework that combines the Infinite Banking Concept with specially designed whole life insurance policies. The methodology is designed to redirect client cash flow into vehicles the client owns and controls, eliminate debt cycles, and create a privatized banking reserve that can be borrowed against to fund education, real estate, business transitions, and key-employee incentives. Technology is positioned as the methodology itself rather than as a software platform; the firm does not operate a public or partner API, has no proprietary application, and conducts no disclosed AI/ML or data product development.

Tier 1 Capital monetizes through professional services — advisory fees for financial planning engagements and commissions on whole life insurance placements originated through the Infinite Banking structure. The lead-conversion funnel runs exclusively through direct engagement (no resellers or distribution partners), supported by content marketing channels including a weekly "Control Your Cash Podcast," a blog, gated free guides, and webinars. The firm is founder-led by Timothy J. Yurek (35+ year industry veteran and MDRT "Top of the Table" designee) and operates with a named team of approximately seven professionals including COO Olivia Kirk and 40+ year veteran advisor Anthony P. John. No external funding, M&A, or institutional capital has been disclosed.

Name

Tier 1 Capital

Legal name

Tier 1 Capital, LLC

Website

https://tier1capital.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Tier 1 Capital is a Pennsylvania-based, privately held financial advisory firm serving small and mid-sized business owners and individuals. It delivers exit, succession, key-person, valuation, and personal financial planning services through a proprietary four-step Growth Process built on the Infinite Banking Concept and specially structured whole life insurance policies.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Corporate Finance & Capital Advisory (BPAHADAB)

akta.pro secondary industry

Capital Raising Advisory (Debt/Equity/Private Capital) (BPAHADAG)

Keywords

• Financial advisory services
• Business succession planning
• Business exit planning
• Infinite banking consulting
• Personal financial planning

Headquarters

HQ city

Wilkes Barre

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Consulting Services: Tier 1 Capital provides financial planning and consulting services primarily focused on business exit planning, succession planning, key person retention, and personal financial planning. The firm guides clients through their Growth Process using whole life insurance as a core component. Revenue is generated through advisory fees and potentially insurance product sales commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Tier 1 Capital provides financial consulting and advisory services centered on business exit planning, succession planning, key person retention, business valuations, and personal financial planning for business owners and individuals/families. Services are delivered through the firm's proprietary Tier 1 Capital Growth Process, a four-step methodology that applies the Infinite Banking Concept with specially designed whole life insurance policies to help clients optimize cash flow, eliminate debt cycles, and regain control of their finances.

Product overview

Tier 1 Capital is a financial consulting firm offering advisory services for business owners and individuals. Their core offerings include Business Exit Planning, Business Succession Planning, Key Person Retention, and Business Valuations, complemented by Personal Financial Planning and College Planning services. The company also provides free educational resources including podcasts, webinars, and guides. Central to their methodology is the proprietary Tier 1 Capital Growth Process, a four-step approach teaching clients to identify control issues in their finances, reduce debt efficiently, save in places they own, and unlock financial freedom. Services are delivered through individual strategy sessions with their team of advisors.

Differentiator

Problem solved

Functional benefit

Brands

• Control Your Cash Podcast: Podcast dedicated to helping business owners regain control of their finances, incentivize key personnel without giving away equity, and develop clear exit strategies.

Products and services

• Business Exit Planning Strategic planning service that helps business owners protect their interests when exiting a business, maximize valuation, minimize tax liabilities, and ensure smooth ownership transitions. Delivered via the Tier 1 Capital Growth Process for small and mid-market business owners.
• Business Succession Planning
• Key Person Retention
• Business Valuations
• Personal Financial Planning
• College Planning
• Tier 1 Capital Growth Process

Quantifiable outcome

• Paid off $135,000 in debt in 33 months with only $80,000
• +3 more outcomes

Named customers4 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

Feature1 record

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creative Planning: Large, nationally recognized RIA providing holistic financial planning including business exit, succession, and wealth planning to business owners and HNW individuals — the same core buyer persona and service menu as Tier 1 Capital, with a more institutional delivery model.
• Buckingham Strategic Wealth: Independent RIA serving business owners and individuals with holistic planning, including tax, estate, exit, and retirement planning — closely comparable to Tier 1's planning-led, fee-based advisory orientation.
• Kingdom Advisors: Network of biblically responsible financial advisors that promotes whole life insurance and Infinite Banking-aligned strategies — direct overlap on methodology, product stack (whole life), and niche target audience.
• Halbert Hargrove Global Advisors: Boutique RIA specializing in business owner and executive planning — exit, succession, and concentrated wealth strategies — directly comparable to Tier 1's primary 'business owner' segment and planning-led service mix.
• Savant Wealth Management: Mid-sized independent RIA focused on business owners, HNW families, and retirement planning — operates in a similar segment as Tier 1 Capital with both financial planning and wealth management offerings.

Broad incumbents

• Edelman Financial Engines: Largest independent RIA in the U.S., offering comprehensive financial planning including business succession — overlaps with Tier 1's planning-led, business-owner-oriented value proposition but at vastly greater scale and with a different delivery model.
• Northwestern Mutual: Major mutual insurer whose advisor force sells whole life insurance combined with financial planning — directly competes with Tier 1 on whole life as the foundation of a planning relationship, but at vastly larger scale and brand recognition.
• MassMutual: Large mutual life insurer and financial services firm whose agents combine whole life insurance with retirement, business, and succession planning — direct overlap on product (whole life) and on the business-owner planning niche Tier 1 targets.
• New York Life: Major mutual life insurance company with an agent force that pairs whole life and other permanent insurance with business exit, succession, and estate planning — the same core offering mix Tier 1 Capital packages via the Growth Process, but via a national agent network.

Emerging players

• The Nelson Nash Institute: Educational organization founded by Nelson Nash that trains and certifies advisors in the Infinite Banking Concept — the foundational methodology behind Tier 1's Growth Process, and a direct practitioner ecosystem overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Tier 1 Capital