Ryzome Investment Advisors

What Ryzome Investment Advisors does

Ryzome Investment Advisors is a privately held, independent Registered Investment Advisor (RIA) headquartered in Okemos, Michigan, with a three-person team led by Senior Consultant David Leonard (30+ years of experience), CFO/Investment Advisor Representative Kevin Gunns (partner since 2009), and Chief Compliance Officer Erin Leonard Ballor (joined 2016). The firm provides holistic financial planning, investment management, and insurance advisory services to individuals and small businesses, organized around three life stages — Young Adult, Pre-Retirement, and Post-Retirement. Services span budgeting, goal setting, retirement and tax planning, estate planning, and insurance review, with brokerage and custody delivered through a core partnership with Schwab.

The firm generates revenue through a transparent flat 1% annual fee on assets under management, billed quarterly, with no account minimums and a discounted tier above $500,000. Its go-to-market is relationship-led: free initial consultations, personalized reviews, and a content-driven website (built on FMG Suite) that includes educational articles, a 200+ term glossary, tax resources, and interactive calculators. The firm explicitly markets its fiduciary, no-commission, no-production-requirement model as a differentiator versus broker-dealer alternatives, and is registered to operate only in Michigan. Technology is limited to standard CMS and calculator tooling; there is no proprietary platform, API, or AI capability.

Name

Ryzome Investment Advisors

Legal name

Ryzome Investment Advisors

Website

https://ryzomeadvisors.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Ryzome Investment Advisors is a privately held, Michigan-registered RIA providing holistic investment, retirement, tax, and estate planning services to individuals and small businesses via a 1% AUM fee model and Schwab custody.

Ownership category

akta.pro rank

Product category

Investment Advisory & Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Fee-Only Advisory (FSAEAAAL), Financial Planning–Led RIAs (FSAAACAB), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Investment management services
• Financial planning advisory
• Retirement planning services
• Wealth management advisory
• Registered investment advisor

Headquarters

HQ city

Okemos

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, Others

Revenue model

1. Assets Under Management (AUM) Fee: Ryzome charges a flat 1% annual fee on assets under management, billed quarterly. This is a fiduciary-aligned model where the advisor has no incentive to generate transactions. No account minimums required to begin. Discounts available for clients with over $500,000 in assets.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ryzome Investment Advisors is an independent Registered Investment Advisor that delivers personalized investment management, holistic financial planning, and insurance advisory services to individuals, families, and small businesses across all life stages. The firm charges a flat 1% annual fee on assets under management billed quarterly, with discounted rates for accounts over $500,000 and no account minimums. Client accounts are custodied via Schwab's brokerage platform, and advisory relationships are structured around Young Adult, Pre-Retirement, and Post-Retirement client journeys.

Product overview

Ryzome Investment Advisors is a traditional financial advisory firm offering a unified suite of wealth management services organized around three core pillars: investment management (covering securities, retirement accounts, and variable annuities), financial planning (including retirement, tax, estate, and education planning), and insurance advisory. The firm structures its client engagement around life stages—Young Adult, Pre-Retirement, and Post-Retirement—each addressing specific financial needs at that stage. Supporting the core advisory services, the firm provides educational resources including a 200+ term financial glossary, tax resource center, and a suite of interactive calculators (RMD, retirement savings projection, emergency fund, and Roth vs. Traditional 401(k) comparison). All services are delivered through direct personalized relationships with advisors, with no account minimums and a transparent 1% flat fee structure billed quarterly.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Services Comprehensive investment services covering bonds, common stock, treasury securities, variable annuities, and a range of retirement accounts (Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Educational IRA) offered alongside brokerage account access through Schwab's platform for individuals, families, and small businesses.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• SchwabcoreTechnology or IntegrationSchwab provides the brokerage platform for client account access. Clients access their accounts through Schwab's platform (link provided in Client Center section). This integration allows the RIA to offer institutional-quality account management without building proprietary custody infrastructure.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Emerging players

• Personal Capital / Empower Personal Dashboard: Technology-forward hybrid RIA combining digital tools with human advisors for investment management and financial planning. Comparable to Ryzome on fee-based advisory and life-stage planning, but differentiated by a powerful proprietary dashboard and a broader digital acquisition engine.
• Betterment: Leading digital wealth manager offering automated and hybrid advice with low minimums to mass-affluent and younger investors. Comparable to Ryzome on the no-minimum, broad-access positioning but competes on automation, lower fees, and a digital-first experience rather than personal consultations.
• Facet Wealth: Digital-first fee-only RIA offering flat-fee financial planning accessible to mass-affluent clients with no account minimums. Closely comparable to Ryzome on the no-minimum, fee-only, holistic-planning thesis, but delivers advice via a virtual, tech-enabled model rather than in-person consultations.

Broad incumbents

• Carson Group: RIA consolidator and advisor coaching platform serving independent financial advisors with holistic wealth management frameworks. Comparable to Ryzome on financial planning and advisor support, but functions as a sponsor platform enabling advisor growth rather than a singular advisory practice.
• Fisher Investments: Large, established RIA serving individual investors with portfolio management and financial planning. Comparable as a fee-based wealth manager, but operates at vastly greater scale, focuses on high-net-worth clients, and uses a more centralized, less locally-embedded service model than Ryzome.
• Cambridge Investment Research: Independent broker-dealer and RIA platform supporting thousands of financial advisors nationwide. Comparable to Ryzome in offering independent fiduciary advisory services, but serves as a B2B platform for affiliated advisors rather than a direct-to-consumer wealth manager.
• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering comprehensive financial planning and investment management across life stages. Overlaps with Ryzome on holistic planning and life-stage segmentation, but operates nationally with corporate employer-sponsored channels and proprietary technology.
• Mariner Wealth Advisors: National RIA providing comprehensive financial planning, investment management, tax, and estate services. Aligns with Ryzome on holistic planning and life-stage advice, but operates as a multi-state, multi-office consolidator rather than a single-location local practice.

Regional players

• Plante Moran Financial Advisors: Michigan-based RIA affiliated with Plante Moran, providing investment management and financial planning to individuals and businesses. Comparable to Ryzome as a Michigan-anchored fiduciary RIA serving similar demographic segments, though Plante Moran offers a broader institutional-style service suite.

Others

• Schwab Intelligent Portfolios: Robo-advisor offered by Charles Schwab, providing automated portfolio management with low fees. Comparable to Ryzome because Ryzome uses the Schwab platform for custody; Schwab's robo competes for the same retail audience that Ryzome targets with its no-minimum, accessible advice model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Ryzome Investment Advisors