Business-owner Strategies Group

What Business-owner Strategies Group does

Business-owner Strategies Group, LLC (DBA BSG Advisers) is a fee-based Registered Investment Adviser founded in September 2018 and headquartered at 56 Hunter Street, Suite 230, Apex, North Carolina, with additional offices in Arlington, Virginia and Overland Park, Kansas. The firm operates under SEC RIA registration and the Investment Advisers Act of 1940 fiduciary standard, and is owned and actively managed day-to-day by three founders — Robert Picha (Intelligent Insights, Inc.), Laird Hepburn (TLA Group, Inc.), and Justin Struble (Wealth CAPS, Inc.) — with additional advisory staff including AIF-designated adviser Kris Alban.

The firm delivers a modular wealth-management stack for high-income professionals, business owners, and pre-retirees/retirees, organized around Comprehensive Financial Planning ($2,500–$7,500), Continuous Financial Planning ($50/month subscription), Business-Oriented Financial Planning, hourly Financial Consulting ($150–$450/hour), and ongoing Investment Management (AUM-based fees of 2.00% on first $1M and 1.25% above $1M, minimum 0.35% or $50, billed monthly in arrears). Adjacent product lines include Tax Planning, Insurance Planning (where licensed representatives also earn commissions on life, disability, long-term care, Medicare, and annuities — fully disclosed), Retirement Income Planning (a "Bucket Approach" methodology), Charitable Giving guidance, and ERISA 3(21) Pension Consulting for employer plans. The proprietary Triangular Review System schedules three annual reviews (February goals, August investment/insurance, November tax/estate) and is a registered brand identity, alongside the trademarked slogan "We're Not Brokers; We're Fixers!"

Revenue mechanics combine flat-fee planning engagements, recurring monthly continuous-planning subscriptions, asset-based AUM fees, hourly consulting, insurance commissions, and emerging plan-level fiduciary fees. Go-to-market is consultative and relationship-led, offering a complimentary initial consultation to qualify prospects, with content marketing (blog library, monthly "Charted Territory" newsletter, Google Reviews), local community presence via the Cary Chamber of Commerce (2024 Employer of the Year), and delivery through virtual meetings nationwide alongside in-person meetings in the Triangle / Wake County area. The firm has no disclosed subsidiaries, no funding rounds, no M&A activity, and no app, API, or proprietary technology platform — service differentiation is process- and relationship-driven rather than technology-driven.

Name

Business-owner Strategies Group

Legal name

Business-owner Strategies Group, LLC

Website

https://bsgadvisers.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Business-owner Strategies Group (DBA BSG Advisers) is a fee-based SEC-registered RIA in Apex, NC delivering fiduciary financial planning, AUM-based investment management, tax, insurance, retirement income, and ERISA 3(21) pension consulting to high-income professionals, business owners, and pre-retirees/retirees across the U.S.

Ownership category

akta.pro rank

Product category

Financial Advisory & Wealth Management Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Business Owner & Executive Financial Planning (FSAEAAAO)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Fee-only financial planning
• Investment advisory services
• Retirement income planning
• Business owner wealth management
• Fiduciary financial advisor

Headquarters

HQ city

Apex

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Planning Fees: Flat-fee comprehensive financial planning ranging from $2,500 to $7,500, with continuous planning at $50/month. Hourly consulting at $150-$450/hour for business planning engagements.
2. Investment Management (AUM): Asset-based fees on billable assets: 2.00% annual maximum on first $1M, 1.25% on assets above $1M, with minimum fee of greater of 0.35% or $50. Billed monthly in arrears.
3. Insurance Commissions: Investment adviser representatives are licensed insurance agents who can earn commission-based compensation on insurance products (life, disability, long-term care, Medicare, annuities). Full disclosure of conflicts is provided.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Business-owner Strategies Group, LLC (dba BSG Advisers) is a fee-only, fiduciary Registered Investment Adviser that provides comprehensive financial planning, investment management, tax planning, retirement income planning, charitable giving strategies, insurance planning, and business-owner exit/succession planning to individuals, business owners, and employer retirement plans. The firm is owned by three parent entities (Intelligent Insights Inc., TLA Group Inc., and Wealth CAPS Inc.) and operates from Apex, NC with additional offices in Arlington, VA and Overland Park, KS.

Product overview

BSG Advisers operates as a fee-only Registered Investment Adviser offering a modular financial advisory service. The core offerings include Comprehensive Financial Planning, Continuous Financial Planning, Business-oriented Financial Planning, Investment Management, Tax Planning, Insurance Planning, Retirement Income Planning, and Charitable Giving services. Investment Management is delivered through six distinct Client Mandates (Long-Term Growth, Cash Flow/Income, Shaping, Liability, Tax-Efficiency, and Strategic Maneuverability). The firm differentiates through its proprietary Triangular Review System featuring three annual planning reviews. Additional services include Pension Consulting for employer retirement plans and hourly Financial Consulting for specific topics. The firm does not provide direct tax or legal services but coordinates with clients' existing CPA, EA, and estate attorney professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Financial Planning Integrated personal financial planning for high-income professionals, pre-retirees, and retirees, covering goal setting, cash-flow planning, investment management, tax planning, retirement income planning, insurance planning, and charitable giving strategies.
• Business-oriented Financial Planning Specialized financial planning for business owners and founders, integrating business cash flow, exit/succession planning, owner compensation, retirement plan design, and personal wealth management under a single fiduciary advisor.
• Investment Management Ongoing, fee-only portfolio management for individual and business-owner clients, including asset allocation, manager selection, and periodic rebalancing in a fiduciary capacity.
• Tax Planning Proactive tax planning services for individuals and business owners, including Roth conversion analysis, asset location, and coordination with the client's CPA.
• Retirement Income Planning Planning for pre-retirees and retirees focused on generating sustainable retirement income from accumulated assets, including Social Security claiming strategies, withdrawal planning, and pension/annuity decisions.
• Charitable Giving Strategies Charitable giving planning for high-income households, including donor-advised funds, charitable trusts, and gifting strategies coordinated with overall estate and tax plans.
• Insurance Planning Insurance needs analysis and planning services covering life, disability, long-term care, and property/casualty coverage to protect personal and business assets.
• Pension and Retirement Plan Consulting Third-party fiduciary consulting for employer-sponsored retirement plans, including plan design, investment menu review, and ongoing plan support.

Quantifiable outcome

• Clients report saving multiples of annual fees through optimized tax strategies and financial planning
• +2 more outcomes

Named customers5 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

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based financial planning and investment management for HNW clients. Comparable fiduciary model, flat-fee planning options, and recurring review cadence.
• Edelman Financial Engines: Fee-only RIA combining professional financial planning with investment management for individuals and business owners. Competes with BSG on fiduciary, fee-only positioning and comprehensive planning delivery.
• Creative Planning: Large fee-only RIA offering comprehensive financial planning, investment management, and tax strategies for HNW individuals and business owners. Direct competitor in the fee-only fiduciary business-owner niche BSG targets.
• Carson Group (Carson Wealth): Fee-based RIA platform with deep focus on business owner exit planning, succession, and retirement plan services. Highly comparable given overlap with BSG's business-owner orientation and pension consulting offerings.
• Modera Wealth Management: Fee-only fiduciary RIA providing comprehensive financial planning and investment management. Closely comparable scale, fee-only model, and planning-centric approach to BSG.

Emerging players

• Facet Wealth: Digital-first financial planning firm targeting HNW professionals with flat-fee comprehensive planning. Competes with BSG for the same professional segment via a lower-overhead virtual delivery model.
• Domain Money: Modern flat-fee financial advisory firm targeting HNW professionals. Emerging competitor to BSG for the same high-income professional persona with tech-enabled delivery.

Broad incumbents

• Empower (Personal Capital): Large hybrid digital advisory platform offering financial planning and investment management for HNW individuals. Adjacent competitor combining tech-driven tools with human advisors at lower fees.
• Fisher Investments: Large asset manager with private wealth management services targeting HNW individuals. Competes in investment management but lacks BSG's planning depth and local business-owner focus.
• Northwestern Mutual: Large diversified financial services firm offering investment advisory, insurance, and retirement planning through a national advisor network. Broader portfolio than BSG but overlapping financial planning and insurance offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Business-owner Strategies Group