Income by Design

What Income by Design does

Income by Design is an independent financial advisory firm founded in 2001 and headquartered at 3939 Beltline Road, Suite 310, Addison, Texas. The firm delivers comprehensive financial planning to a multi-persona client base spanning individuals and families, retirees, corporate executives and professionals, small business owners, and—through an affiliated entity called Life Planning for Families of Special Needs, Inc.—families of individuals with disabilities. Its core service portfolio integrates retirement planning, investment analysis and asset management, estate and legacy planning, tax planning, insurance planning, college planning, and distribution planning into a single advisor-led engagement model, with the firm's stated differentiator being its independence from proprietary product pressure combined with national-scale resources available through its Osaic Wealth, Inc. and Securities America, Inc. affiliations.

The firm operates with a small team of seven named professionals: Principal Thomas P. Kroehle, Jr., AIF and Michael Deguchi serve as producing Estate and Wealth Planners; Cheyanne Hale serves as Vice President of Operations; Lauren Burton directs the Life Planning Program; and three support staff (an Executive Assistant, a Scheduling Coordinator, and an Assistant to the Principal) complete the roster. Technology is licensed rather than built—the firm offers clients consolidated portfolio and holdings viewing through third-party platforms Orion Client Portal (Orion Advisor Technology, LLC) and Wealthscape Investor Portal—and there is no application product, API surface, patents, or proprietary technology disclosed. The marketing footprint is content-driven, anchored by a resource center of 200+ financial glossary entries, calculators, tax resources, and topic-organized articles and videos covering retirement, estate, investment, insurance, tax, money, and lifestyle themes.

Revenue is generated through fee-based and/or commission-based financial advisory services delivered under the Osaic Wealth / Securities America broker-dealer umbrella. Pricing is quote-based and not publicly disclosed; contracts are characterized as multi-year. The firm serves only U.S. residents, does not have a mobile application, holds no certifications or compliance accreditations in the disclosed data, and has not raised any outside capital. No M&A, regulatory actions, or leadership transitions beyond the founding team are recorded in the input. Income by Design is not affiliated with Osaic Wealth, Inc. or Securities America, Inc. in an ownership sense; it operates as an independent registered financial professional entity leveraging those partners purely for securities and advisory service distribution.

Name

Income by Design

Legal name

Income By Design

Website

https://incomebydesign.net

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Income by Design is an independent financial advisory firm in Addison, Texas that provides comprehensive financial planning—retirement, investment, estate, tax, insurance, and special-needs planning—to individuals, families, retirees, executives, and small business owners via its Osaic Wealth and Securities America partnerships.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

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

akta.pro industry

PRIMARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEAAAG

Estate & Legacy Planning Advisory

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

SECONDARYFSAEAAAD

Retirement & Pension Planning (401(k)/IRA)

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

SECONDARYFSAAACAE

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAEABAE

Employer Retirement Plan Advisory (401(k)/Pension)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAH

Annuity & Insurance-Based Retirement Solutions Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

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

Headquarters

HQ city

Addison

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 Advisory Services: Income by Design generates revenue through fee-based and/or commission-based financial advisory services. As an independent firm affiliated with Osaic Wealth, Inc. (Securities America, Inc.), advisors can offer a broad array of financial products and services without proprietary product obligations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Income by Design is an independent financial advisory firm providing comprehensive financial planning services to individuals, families, retirees, corporate executives, professionals, and small business owners. Core services include financial planning, investment analysis, asset management, estate and legacy planning, college planning, retirement planning, tax planning, insurance planning, and distribution planning, delivered through personalized advisor relationships and supported by access to broad product resources via Osaic Wealth, Inc.

Product overview

Income by Design is an independent financial services firm offering a unified platform of advisory services to individuals, families, retirees, corporate executives, professionals, and small business owners. The core offering consists of comprehensive financial planning that integrates Investment Analysis, Asset Management, Retirement Planning, Tax Planning, Estate and Legacy Planning, Insurance Planning, College Planning, and Distribution Planning services into a holistic approach. The firm differentiates through its independence from proprietary products and national alliances that provide access to a broad array of financial resources. A specialized vertical, Life Planning for Families with Special Needs, serves families with disabled members through special needs trusts and related planning. The firm operates through a partnership with Securities America, Inc. (and references Osaic Wealth, Inc.) providing securities brokerage while maintaining independent objectivity in product selection.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service that assesses a client's current financial situation, defines future goals, and develops a tailored strategy spanning retirement, estate, investment, tax, insurance, and distribution topics. Targeted at individuals, families, retirees, corporate executives, professionals, and small business owners.
• Investment Analysis Investment advisory service that analyzes client portfolios and develops investment strategies aligned with each client's risk tolerance and time horizons, offered to individuals, families, and other advisory clients.
• Asset Management Professional management of client assets across diversified portfolios, leveraging access to a broad array of financial resources and products through the firm's national alliances.
• Estate and Legacy Planning Service focused on managing personal affairs during life and controlling the distribution of wealth upon death, including document preparation and trust strategies for individuals and families.
• College Planning Planning service that helps families save and prepare for future education expenses, including recommendations on 529 plans and education savings accounts.
• Retirement Planning Comprehensive retirement strategy development including qualified plan optimization, Social Security benefit analysis, and distribution planning for individuals and retirees.
• Tax Planning Tax strategy development service that helps manage and minimize client tax liability through tax-efficient investing and broader strategic planning.
• Insurance Planning Risk management service that assesses insurance needs and develops strategies covering life, health, long-term care, and liability protection.
• Distribution Planning Strategic planning service for distributing retirement assets, including required minimum distributions and ongoing income planning for retirees.
• Life Planning for Families with Special Needs Specialized planning service for families and individuals with disabilities, including special needs trusts, SSI training, and letter of intent preparation, delivered through the affiliated company Life Planning for Families of Special Needs, Inc.

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Osaic Wealth, Inc.coreChannel Partner/ Reseller/ DistributorOsaic Wealth, Inc. is a national partnership providing Income by Design clients access to wealth management resources, advanced strategies, and a wide range of financial products. As a client, beneficiaries gain the advantages of a large national firm with personalized service from the independent firm. The firm leverages Osaic's intellectual capital network for comprehensive wealth management solutions.
• Securities America, Inc.coreChannel Partner/ Reseller/ DistributorSecurities America, Inc. is described as one of the leading independent broker dealers in the country. Income by Design professionals are registered with Securities America, supporting independent financial professionals in an environment free from proprietary product pressures. The partnership provides access to cutting-edge resources, technology, and a wide range of financial solutions and products.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Edward Jones: National full-service brokerage and advisory firm serving individuals and families with retirement, investment, and estate planning through local offices. Comparable local-office, individual-focused planning model, though at vastly greater scale.
• Northwestern Mutual: Large incumbent financial services firm offering insurance, investment, and retirement planning through a captive advisor network. Comparable comprehensive-planning positioning, though structured as a captive rather than independent model.
• Cetera Financial Group: Independent broker-dealer and wealth management platform serving individual financial advisors and their clients. Comparable as a competing independent-broker-dealer channel partner for similar-sized advisory practices.
• Commonwealth Financial Network: Large independent broker-dealer supporting independent financial advisors with practice management, technology, and product access. Comparable in the independent-advisor support role that Osaic Wealth/Securities America plays for Income by Design.
• Mariner Wealth Advisors: Independent wealth advisory firm delivering holistic financial planning, investment management, retirement, and estate services to high-net-worth individuals and families. Comparable in independent-RIA positioning and comprehensive service model.
• Creative Planning: Large independent RIA offering comprehensive financial planning, investment management, tax, and estate services to individuals and families. Comparable in service breadth and independent-broker-dealer affiliation model, but operates at significantly greater scale.

Emerging players

• Betterment: Leading robo-advisor offering automated investment management, retirement, and tax-coordinated planning at low fees. Comparable retirement-income and planning theme, but represents the digital fee-pressure alternative to Income by Design's human-led model.
• Empower Personal Dashboard (formerly Personal Capital): Hybrid digital wealth management platform combining free financial tools with human advisor services. Comparable in offering consolidated portfolio viewing and retirement planning, but at significantly larger scale.
• Facet Wealth: Digital-first financial planning firm offering comprehensive advice at flat-fee pricing. Comparable in targeting individuals and families seeking holistic planning, but delivered through a tech-enabled remote model rather than a local advisory office.

Others

• Carson Group: Wealth management firm and advisor coaching/platform that supports independent financial advisors with technology, back-office, and growth resources. Comparable ecosystem role to Osaic Wealth for Income by Design's operational model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Income by Design