Parker Financial

What Parker Financial does

Parker Financial LLC is a Silverdale, Washington-based Registered Investment Adviser (RIA) operating as an independent, fee-only/fee-based fiduciary firm focused exclusively on retirement planning for pre-retirees and retirees. The firm serves high-net-worth individuals, with a stated minimum account size of $500,000, and delivers a holistic offering that bundles investment management, financial planning, tax planning, and insurance services into a coordinated retirement-income strategy.

The firm is led by President Jason Parker, a best-selling author ("Sound Retirement Planning"), host of the "Sound Retirement Radio" podcast, and frequent television guest (ABC, FOX, MSNBC), whose personal brand drives the firm's inbound marketing. A proprietary in-house tool — the Retirement Budget Calculator, invented by Parker and operated under the affiliated entity Retirement Budget Calculator LLC — supports retirement income budgeting and cash-flow planning and is used exclusively with Parker Financial clients. The underlying investment platform is built on low-cost, diversified global investing via custodial relationships with Fidelity and Vanguard, supplemented by Dimensional Fund Advisors funds.

Parker Financial generates revenue through two streams: flat per-plan fees for financial planning and recurring AUM-based investment management fees (typically 1% annually, ranging 0.5%–2%). Distribution is direct-to-client via complimentary discovery meetings and ongoing advisory relationships, with no third-party distribution partners. The team is small (approximately five people) and the firm is independently owned with no outside shareholders, parent company, or external funding.

Name

Parker Financial

Legal name

Parker Financial LLC

Website

https://parker-financial.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Parker Financial LLC is a Silverdale, Washington-based fee-only fiduciary Registered Investment Adviser that delivers holistic retirement, investment management, tax, and insurance planning to high-net-worth pre-retirees and retirees with a $500,000 minimum.

Ownership category

akta.pro rank

Product category

Retirement Wealth Management

NAICS

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

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement planning
• Wealth management
• Investment management
• Financial planning
• Fiduciary advisory

Headquarters

HQ city

Silverdale

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, Infrastructure

Revenue model

1. Financial Planning Fees: Flat fee per financial plan depending on complexity of the client's financial situation. Detailed fee structure is provided in ADV Part 2 document.
2. Investment Management Fees (AUM): Annual percentage fee on assets under management, typically 1% per year with ranges from 0.5% to 2% depending on account size and complexity. Fee-based structure with no additional transaction fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Parker Financial is a fee-based, fiduciary registered investment advisory firm that provides holistic retirement planning and wealth management services for pre-retirees and retirees. Core offerings include financial planning, investment management (AUM-based fees), tax planning, insurance services, and estate planning, with a minimum account size of $500,000. Services are delivered through complimentary discovery meetings and ongoing advisory relationships, supported by a proprietary Retirement Budget Calculator tool for retirement income and cash flow planning.

Product overview

Parker Financial LLC operates as a fee-based, fiduciary registered investment advisory firm focused on retirement planning. The company offers a unified suite of wealth management and retirement planning services including financial planning, investment management, tax planning, and insurance services. The product portfolio centers on the Sound Retirement Planning framework, which includes the Sound Retirement Planning book, Sound Retirement Radio podcast, and proprietary Retirement Budget Calculator software. Services are delivered through discovery meetings and ongoing advisory relationships, with a focus on holistic, client-centered retirement planning. The firm works with clients on wealth accumulation, preservation, and distribution strategies using a low-cost, diversified global investing approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning & Financial Planning Holistic financial planning service for pre-retirees and retirees covering cash flow planning, retirement income budgeting, withdrawal strategy, tax planning, estate planning, and insurance coordination. Delivered as a coordinated financial plan with a flat fee per plan based on complexity.
• Investment Management Fee-based investment management for client accounts using a low-cost, diversified global investing approach across asset classes and sectors, with rebalancing as needed. Annual fee typically 1% of AUM, ranging 0.5%-2% depending on account size and complexity. Minimum account size $500,000. No additional transaction fees.
• Tax Planning Tax planning service provided as part of a comprehensive retirement strategy, coordinated with investment management and financial planning to optimize the client's overall financial position.
• Insurance Services Insurance planning and products offered through Parker Financial LLC (dba Insurance Services by Parker Financial, LLC). Integrated with the firm's holistic financial planning approach to address risk management and retirement income needs.

Quantifiable outcome

• Fee-based model eliminates transaction-based commissions, aligning advisor compensation with client outcomes rather than trading activity.

Named customers1 record

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

Partnerships

Three partnerships are on record, tiered minor.

• FidelityminorOthersInvestment custodian and platform provider. Fidelity logo appears on Parker Financial's 'What We Do' page indicating the firm utilizes Fidelity as a custodial platform for client accounts.
• VanguardminorOthersInvestment custodian and platform provider. Vanguard logo appears on Parker Financial's 'What We Do' page indicating the firm utilizes Vanguard as a custodial platform for client accounts.
• Dimensional Fund AdvisorsminorOthersInvestment management firm. Dimensional logo appears on Parker Financial's 'What We Do' page indicating the firm utilizes Dimensional funds as part of their investment approach.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Personal Capital (Empower Personal Dashboard): Hybrid robo-and-human RIA serving HNW individuals with investment management plus retirement and cash-flow planning tools. Comparable HNW retirement focus and proprietary planning technology stack.
• Schwab Wealth Advisory: Charles Schwab's fee-based advisory service offering retirement income planning and managed portfolios. Comparable HNW retirement focus and fiduciary delivery, with brand and platform scale that dwarfs small RIAs.
• Edelman Financial Engines: Large national RIA with deep focus on retirement planning and corporate 401(k) participant advice. Comparable to Parker Financial in target audience (retirees/pre-retirees) and holistic-planning value proposition, but at vastly greater scale.
• Carson Group: RIA platform focused on retirement and holistic financial planning for individuals, with significant advisor network. Comparable retirement-planning orientation and fee-based model, with broader technology and back-office infrastructure.
• Creative Planning: Large fee-only RIA offering comprehensive wealth management, retirement, tax, and estate planning. Closely comparable service mix and fiduciary model to Parker Financial, but with national footprint and institutional backing.
• RJFS / Raymond James Wealth Management: Large wealth management firm with strong retirement planning practice serving HNW individuals. Comparable holistic planning, investment, and insurance offerings, but with broader scale and institutional infrastructure.
• Fisher Investments: Fee-based investment manager primarily serving high-net-worth individuals with a retirement-income orientation. Comparable client segment and AUM-based fee model, though predominantly institutional in scale and marketing posture.

Emerging players

• Harness Wealth: Tech-forward RIA matching clients with fiduciary financial advisors for retirement and tax planning. Comparable target client (HNW pre-retirees) and use of technology to differentiate advisor access.
• Wealthfront: Automated investment advisory platform with retirement-income planning features at low fees. Competes with Parker Financial at the entry point of the HNW/mass-affluent segment and is a fee-compression threat.

Direct peers

• Facet Wealth: Tech-enabled fee-only RIA offering virtual financial planning and investment management for mass-affluent and HNW clients. Closely comparable business model (fiduciary, fee-based, flat and AUM pricing) and use of proprietary digital planning tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/Soundretirementplanning
• Facebookfacebook.com/ParkerFinancialLLC
• LinkedInlinkedin.com/company/parkerfinancialllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 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 Parker Financial