Professional Financial Advisers

What Professional Financial Advisers does

Professional Financial Advisers (PFA), doing business as PFA and operating under the legal entity Professional Financial Advisors, LLC, is an independent, fee-based, fiduciary Registered Investment Advisory firm founded in 2003 and headquartered in North Platte, Nebraska. The firm provides retirement income planning, investment management, tax-aware strategies, Social Security optimization, business retirement plan design (401k, SEP-IRA, SIMPLE IRA, 403b, 457b, 401a), Medicare/insurance coordination through a Platte Insurance Services partnership, legacy and estate planning coordination, and life-transition financial guidance. Its proprietary framework, the PFA Retirement Blueprint, integrates five planning disciplines — income, investment, tax, healthcare, and legacy — into a single coordinated plan delivered by 4 CFP® professionals with over 100 years of combined experience. The firm does not disclose investment minimums and targets pre-retirees, retirees, business owners, federal/railroad employees, multi-generational farm and ranch families, and individuals navigating major life transitions, primarily across Nebraska and Kansas.

PFA operates from four physical offices (North Platte, Hastings, and Kearney in Nebraska; Overland Park in Kansas) supported by a remote advisory capability and 24/7 client portal access. The technology stack is built entirely on third-party infrastructure — RightCapital for financial planning and Charles Schwab for custody and account access — with no proprietary platform disclosed. Revenue is generated through tiered AUM-based advisory fees (industry benchmark ~1% per year, declining at higher asset tiers), flat-rate one-time financial plans ranging from $250 to $10,000, insurance commissions through Platte Insurance Services, and nominal educational class fees ($39 per attendee). Go-to-market relies on a community-embedded content strategy ('Make Retirement Work' podcast, blog, YouTube, newsletter), in-person educational classes across five Nebraska campuses, and referral/relationship networks — without marketplace listings or embedded distribution. The firm has earned USA TODAY/Statista Best Financial Advisory Firms recognition in both 2025 and 2026.

Name

Professional Financial Advisers

Legal name

Professional Financial Advisors, LLC

Website

https://pfaretire.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Professional Financial Advisers is an independent, fee-based fiduciary RIA founded in 2003 serving Nebraska and Kansas clients. It delivers integrated retirement income planning, investment management, tax, Social Security, and legacy coordination via its Retirement Blueprint framework.

Ownership category

akta.pro rank

Product category

Retirement Planning and Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

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

SECONDARYFSAEAAAA

Comprehensive Financial Planning

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

SECONDARYFSAAACAF

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b))

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

Keywords

• Retirement income planning
• Investment management services
• Fiduciary financial advice
• Retirement blueprint planning
• Business retirement plans

Headquarters

HQ city

North Platte

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Assets Under Management (AUM) Fee: Ongoing investment management and retirement planning services billed as a percentage of assets under management. PFA uses a tiered AUM fee structure where percentage decreases as total asset value increases. As a general industry standard, fee-only planners commonly charge approximately 1% per year. The firm emphasizes this model maintains a balance between affordability for clients and sustainability for the firm.
2. Flat-Rate Financial Plan: One-time financial plan development for clients who do not require ongoing management. Fees range from $250 to $10,000 for a complete financial plan. In this structure the planner develops the plan but is not typically involved in implementation.
3. Insurance Commissions: Certain representatives may be licensed to offer insurance products through separate entities. Insurance products may involve commissions. This creates a secondary revenue stream distinct from advisory fees. The firm discloses that Medicare/insurance services are separate from advisory services and may involve commissions creating a financial incentive.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels10 records

Core offering

Professional Financial Advisers is an independent, fee-based Registered Investment Advisory firm providing investment management and comprehensive retirement planning services to individuals, families, and business owners across Nebraska and Kansas. Its flagship offering, the PFA Retirement Blueprint, integrates investment management, retirement income planning, Social Security optimization, tax planning, healthcare/Medicare planning, and legacy coordination into a single fiduciary-driven plan. The firm also offers business retirement plan design, Medicare insurance solutions via a licensed partner, and life transition financial planning.

Product overview

Professional Financial Advisers is a fee-based, fiduciary Registered Investment Advisory firm offering a unified financial planning and investment management platform centered on its proprietary Retirement Blueprint framework. The core offering integrates investment management, retirement income planning, tax-aware strategies, Social Security planning, and legacy coordination into a comprehensive coordinated plan. Additional services include Business Retirement Plans (401k, SEP-IRA, SIMPLE IRA design and management), Medicare Insurance Solutions through Platte Insurance Services partnership, and Life Transitions planning. The firm also operates Make Retirement Work, an educational content platform offering podcasts, videos, blogs, and classes distributed across YouTube and major podcast platforms. PFA serves individuals, families, retirees, and business owners in Nebraska through offices in North Platte, Hastings, Kearney, and Overland Park.

Differentiator

Problem solved

Functional benefit

Brands

• Make Retirement Work: Public communication arm of PFA, including podcasts, videos, blogs, educational classes, and resources to help people understand retirement planning.

Products and services

• Investment Management Ongoing portfolio management services for individuals, families, and business owners, including risk tolerance assessment, asset allocation design, tactical adjustments, fee analysis, and continuous rebalancing and position monitoring. Built on a disciplined, mathematics-driven investment philosophy and structured risk management.
• The Retirement Blueprint
• Tax-Aware Retirement Strategies
• Social Security Planning
• Business Retirement Plans
• Medicare Insurance Solutions
• Life Transitions and Financial Planning
• Legacy & Estate Planning Coordination
• Getting Retirement Right Educational Class
• Flat-Rate Comprehensive Financial Plan

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

One partnership is on record.

• Platte Insurance ServicescoreImplementation/ SI/ Consulting PartnerPFA has a formal partnership with Platte Insurance Services for Medicare insurance solutions. Through this partnership, PFA assists clients with Medicare planning and enrollment. The relationship allows PFA to offer Medicare guidance as part of a comprehensive retirement strategy while maintaining separation between advisory and insurance services (Medicare/insurance services are not provided through the RIA). Whitney Kester, PFA's Client Service & Medicare Specialist, works with this partnership to coordinate insurance needs.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Cetera Financial Group: Cetera is a large wealth-management network supporting independent financial advisors with custody, technology, and compliance infrastructure — comparable to PFA at the platform level rather than individual-client level.
• Sanctuary Wealth: Sanctuary is an RIA platform serving high-net-worth clients with comprehensive wealth and retirement planning — comparable as a potential acquirer / competitor for PFA's target clientele.
• Hightower Advisors: Hightower is an RIA platform that aggregates independent advisor firms — exactly the kind of roll-up acquirer that smaller retirement-focused RIAs like PFA might join for scale, technology, and succession planning.
• Creative Planning: Creative Planning is one of the largest independent RIAs offering comprehensive financial planning, retirement, tax, and estate services. PFA operates the same model at dramatically smaller scale, making this the relevant broad incumbent benchmark.

Emerging players

• Facet Wealth: Facet is a digital-first RIA delivering flat-fee financial planning to mass-affluent clients online — overlapping with PFA's flat-rate plan offering and 'no minimum' accessibility stance but in a fully distributed model.

Direct peers

• Buckingham Wealth Partners: Buckingham is a national RIA specializing in retirement income planning, evidence-based investing, and tax strategy — aligning closely with PFA's coordinated income/tax/healthcare/legacy planning framework.
• Merit Financial Advisors: Merit Financial Advisors is a mid-size independent RIA focused on comprehensive financial planning and retirement income — a close size-and-strategy peer to PFA's fee-based fiduciary model.
• Carson Group (Carson Wealth): Carson Group is a large RIA/wealth management firm focused heavily on retirement income planning, tax-aware strategies, and educational content — closely mirroring PFA's Retirement Blueprint methodology but at much greater scale.
• Edelman Financial (Engines): Edelman Financial is a long-standing fee-based RIA built around retirement income planning and evidence-based portfolio design. Directly comparable to PFA's combination of fiduciary advice, retirement focus, and educational positioning.
• Sequoia Financial Group: Sequoia is an Ohio-based independent RIA offering wealth management, retirement plan services, and family office support — directly comparable to PFA's mix of personal retirement planning and business retirement plan services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC8KhNsNgLBBlJ5hTaB7DbuQ
• Facebookfacebook.com/professionalfinancialadvisors
• LinkedInlinkedin.com/company/professional-financial-advisors-llc-pfa
• Instagraminstagram.com/professionalfinancialadvisors

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Professional Financial Advisers