Concierge Financial Organization

What Concierge Financial Organization does

Concierge Financial Organization is a privately held, fee-based financial advisory firm headquartered in Tampa, Florida, with a secondary office in St. Petersburg. Founded by William Cummings (CPA, PFS), the firm provides comprehensive financial planning, investment management, retirement planning, tax planning, and estate planning services to high-net-worth individuals, families, business owners, executives, professionals, pre-retirees, and retirees, with a particular emphasis on serving women through its Engaging Women's Program. Services are delivered in-person at its two Tampa Bay offices and virtually across 22+ U.S. states in which the firm is registered to sell securities.

The firm's core offering is human-advisor-driven rather than technology-driven; it does not develop proprietary software or AI/ML capabilities and instead leverages industry-standard financial planning and portfolio management tools accessed through its broker-dealer relationships. The primary platform is Osaic Wealth, Inc. (member FINRA/SIPC), with secondary affiliations to Royal Alliance Associates and Signator Investors. Differentiated sub-product programs include the Engaging Women's Program, Life by Design Plan, Wealth Clarity Program, and Balanced Investment Strategy, alongside specialized services such as Special Needs Planning (SSI, Guardian Advocacy, special needs trusts, ABLE accounts). Marketing is content-led, anchored by three books authored by William G. Cummings, a consistent monthly newsletter (2020–2025), an active blog, and educational video content.

The firm operates on a subscription-style, recurring fee-based revenue model with no product-driven commissions. Revenue streams comprise financial planning and advisory fees, investment management fees, and platform-generated revenue routed through its broker-dealer partners. The team of 9–11 staff includes multiple CFP®, CPA, CLU, ChFC, and ADPA credentialed professionals, with notable partners Scott Russell (25+ years industry experience, formerly at a $28B AUM institutional platform) and Ruth Robin Delaney (whose Greenleaf Financial Strategies practice merged into the firm in 2016). Ownership is concentrated in founder William Cummings, with no external private equity or venture capital backing.

Name

Concierge Financial Organization

Legal name

Concierge Financial Organization

Website

https://ourcfoteam.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Concierge Financial Organization is a privately held, fee-based financial advisory firm in Tampa, Florida, providing wealth management, financial planning, and retirement services to high-net-worth individuals, families, executives, business owners, and women across 22+ U.S. states.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

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

Keywords

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

Headquarters

HQ city

Tampa

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

Revenue model

1. Financial Planning and Advisory Fees: The firm provides comprehensive financial planning and wealth management services, with fees representing the work performed on behalf of clients. Services are provided independently without product-driven commissions.
2. Investment Management: Investment advisory services including portfolio management and asset allocation. Revenue is generated through advisory fees for managing client investment portfolios.
3. Securities and Advisory Services: Securities and advisory services offered through Osaic Wealth, Inc., a registered broker-dealer and RIA, generating revenue through the broker-dealer platform.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Concierge Financial Organization is a fee-based financial advisory firm that delivers comprehensive financial planning and wealth management services to high-net-worth individuals, families, executives, business owners, and professionals. Services span investment management, retirement planning, tax planning, estate planning, and life transition planning, delivered through dedicated wealth advisors serving as personal CFOs for clients. Securities and advisory services are executed via the firm's broker-dealer relationship with Osaic Wealth, Inc.

Product overview

Concierge Financial Organization is a financial advisory firm offering a unified suite of wealth management and financial planning services, not a software product platform. The core offering encompasses comprehensive financial planning, wealth management, investment management, retirement planning, tax planning, and estate planning. Specialized programs include the Engaging Women's Program (targeted at women seeking financial independence) and the Wealth Clarity Program (structured planning process). The firm also offers educational products including books authored by William G. Cummings and regular newsletters. Services extend to specialized areas such as special needs planning (Guardian Advocacy, SSI, special needs trusts) and executive/business owner planning.

Differentiator

Problem solved

Functional benefit

Brands

• Engaging Women's Program: A proactive program providing educational opportunities and process support to help women become actively engaged in their financial future.
• Life by Design Plan
• Wealth Clarity Program

Products and services

• Financial Planning and Wealth Management Services

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hightower Advisors: Partner-owned RIA platform serving HNW clients with comprehensive wealth management. Similar partnership-driven model and emphasis on advisor autonomy within a wealth-management framework, though larger scale.
• Mercer Advisors: National RIA delivering comprehensive wealth management, tax planning, estate planning, and investment management to HNW households. Comparable unified wealth-planning offering and target client profile.
• Wealth Enhancement Group: Independent wealth management firm offering comprehensive financial planning and investment management to HNW individuals and families. Comparable fee-based RIA model and breadth of services including retirement and tax planning.
• Moneta Group: Independent RIA delivering comprehensive wealth advisory and financial planning to HNW families and business owners. Comparable fee-only service model and breadth of offerings including investment, tax, and estate planning.
• Creative Planning: Fee-only RIA providing comprehensive financial planning, investment management, and tax services to HNW individuals and families. Comparable fee-based model and full-service planning approach, though larger scale and broader geographic footprint.
• Carson Group: Partnership-based RIA and wealth management firm providing comprehensive financial planning to HNW individuals and business owners. Similar fee-based recurring revenue model and focus on holistic wealth/life planning, though significantly larger in scale.
• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based financial planning and investment management for HNW individuals. Similar reliance on advisor expertise over proprietary technology and comparable fee-based recurring revenue model.
• Savant Wealth Management: Fee-only RIA providing comprehensive financial planning, investment management, and tax services to HNW individuals and business owners. Similar credentialed-advisor model and emphasis on holistic planning.
• Mariner Wealth Advisors: National RIA offering comprehensive wealth advisory, investment management, tax, and estate planning to HNW clients and business owners. Closely aligned service mix and client segments, with a similar emphasis on concierge-style personalized advice.
• Sequoia Financial Group: Fee-based wealth management and investment advisory firm providing comprehensive financial planning to HNW clients. Closely aligned service offering (financial planning, investment management, retirement, tax) and similar client profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Concierge Financial Organization