Centennial Advisors

What Centennial Advisors does

Centennial Advisors, LLC is an independent, SEC-registered investment advisory firm headquartered in Austin, Texas, founded by Michael Reese. The firm provides personalized retirement income planning to individuals and families, with a stated focus on clients holding $3 million or more in net worth as well as pre-retirees and retirees transitioning from accumulation to distribution. It operates four physical offices across Central Texas — Austin (headquarters), Georgetown, San Antonio, and Salado — supported by a team of roughly 20 staff including nine advisors, eight client-service and back-office personnel, and production/marketing roles.

The firm's core offerings are SEC-registered investment advisory services, fixed insurance products (primarily annuities) sold under the insurance-specialist function, tax planning and preparation services, and specialized high-net-worth services covering tax-efficient strategies, the sale of highly appreciated assets, business succession planning, and legacy and charitable planning. The firm does not operate a proprietary technology platform; its digital footprint consists of standard client and tax portals (portal.iwanttoretirewell.com, centennialadvisors.securefilepro.com), Calendly-based consultation scheduling, and a secure file-upload feature. The integrated expertise is delivered through a multi-credential team that includes multiple CFP® professionals, a CFA charterholder (Jeremy Aston), a CPA/Tax Specialist (Phil Behnen), and a dedicated Insurance Specialist (Ken McCabe).

Revenue is generated through three streams: recurring investment advisory fees tied to assets under management, commissions on insurance product sales (principally annuities), and professional-service fees for tax planning and preparation. The go-to-market is consultative and advisor-led, with top-of-funnel demand generated by owned media — the 'Retiring Well' television program hosted by founder Michael Reese on all four major networks, the 'Retire Right with Kevin Wade' radio show on KTEM-AM 1400, the 'Retire R.I.G.H.T.' YouTube mini-course library, and downloadable guides — converting prospects via 15-minute Calendly-scheduled consultations and in-person office visits. Pricing is not publicly disclosed and varies by AUM and service complexity; the firm markets through earned media features in Kiplinger's, U.S. News & World Report, Yahoo Finance, and regional Texas outlets, and holds BBB accreditation.

Name

Centennial Advisors

Legal name

Centennial Advisors, LLC

Website

https://iwanttoretirewell.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Centennial Advisors is an SEC-registered, independent Texas-based financial advisory firm providing personalized retirement income planning, investment advisory, insurance, and tax services to individuals and families, with a stated focus on clients holding $3 million or more in net worth.

Ownership category

akta.pro rank

Product category

Retirement Income & Wealth Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Retirement planning services
• Wealth management advisory
• Investment advisory services
• Annuity insurance products
• High net worth financial planning

Headquarters

HQ city

Georgetown

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. Investment Advisory Services: Fee-based investment advisory services offered through Centennial Advisors, LLC, an SEC-registered investment advisory firm. Services include personalized retirement income strategies, portfolio management, and financial planning using a variety of investment products.
2. Insurance Products: Sale of insurance products including annuities and life insurance. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. These products provide protection benefits and reliable income streams.
3. Tax Services: Tax planning and preparation services including access to tax portals and Phil Behnen serves as Tax Specialist with CPA credentials.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Centennial Advisors, LLC is an SEC-registered investment advisory firm that helps individuals and families create personalized retirement income strategies using a combination of investment advisory services and fixed insurance products (annuities). The firm also offers specialized high-net-worth services (tax reduction, business succession, legacy planning, charitable giving) and tax planning/preparation coordinated by an in-house CPA/Tax Specialist.

Product overview

Centennial Advisors operates as a single, unified financial advisory firm offering retirement planning and wealth management services. The core offering consists of personalized retirement income strategies combining SEC-registered investment advisory services with insurance products (annuities). The firm provides a Client Portal for account management and a Tax Portal for document handling. High Net Worth Services cater to clients with $3M+ in assets, offering specialized strategies for tax efficiency, asset sales, and legacy planning. The Retire R.I.G.H.T. YouTube mini course series serves as an educational sub-brand providing free retirement planning content.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Income Strategies Personalized retirement planning services using a variety of investment and insurance products to help individuals create secure and fulfilling retirement strategies, anchored by the firm's "retirement red zone" thesis.
• Investment Advisory Services SEC-registered investment advisory services offered through Centennial Advisors, LLC, utilizing various investment strategies tailored to individual client needs and objectives.
• Insurance Products (Annuities) Fixed insurance products including annuities that provide protection benefits and steady, reliable income streams, with guarantees backed by the financial strength and claims-paying ability of the issuing insurance company.
• High Net Worth Services Specialized financial services for individuals with $3 million or more in net worth, including tax-efficiency strategies, sale of highly appreciated assets (real estate, business interests, concentrated stock), business succession planning, and legacy strategies.
• Tax Planning and Preparation Services Tax planning and preparation services for individuals and families, including access to tax portals and coordination by an in-house Tax Specialist with CPA credentials, designed to deliver lifetime goals in the most tax-efficient way.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• Advisors Excel (AE)minorGTM or Marketing PartnerCentennial Advisors works with Advisors Excel as a GTM/marketing partner. AE Wealth Management, LLC (AEWM) is referenced in disclaimers noting that neither AE nor AEWM provide tax or legal advice. The relationship appears to be a marketing/support affiliation rather than deep integration.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fisher Investments: Large investment-management firm serving HNW and institutional clients with portfolio management and retirement planning. Comparable to Centennial in the HNW-retiree segment and prior employer of one of Centennial's advisors (Abraham Martinez), with vastly greater scale and a portfolio-management orientation.
• Cetera Financial Group: Large independent broker-dealer and RIA platform serving independent financial advisors with retirement, investment, and insurance products. Comparable to Centennial in the integrated advisory-plus-annuity offering and HNW-retiree focus, but operates at national IBD scale.
• Edelman Financial Engines: One of the largest U.S. RIAs with a strong retirement-planning focus and integrated advisory plus employer-plan services. Comparable to Centennial in the retirement-income orientation and SEC-registered RIA structure, but with national scale and a more institutional client base.
• Creative Planning: Large, rapidly growing RIA serving HNW and ultra-HNW clients with integrated financial planning, tax, and investment services. Comparable because Creative Planning competes for the same HNW retiree cohort that Centennial targets, but operates at vastly greater scale across multiple U.S. cities.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting financial advisors with retirement, investment, and insurance solutions for HNW clients. Comparable to Centennial's mix of advisory plus insurance (annuity) distribution and advisor-led retirement practice model.
• Mariner Wealth Advisors: National RIA offering comprehensive wealth advisory, tax, estate, and retirement income planning to HNW individuals and families. Directly comparable to Centennial in service mix and target client but operates nationally with significantly larger AUM and advisor headcount.

Direct peers

• Buckingham Strategic Wealth: Independent RIA focused on evidence-based financial planning and retirement income strategies for HNW individuals. Comparable to Centennial because both emphasize retirement distribution planning and integrated advice for HNW households, with similar advisor-led service models.
• Sanctuary Wealth: Independent wealth platform partnering with HNW-focused advisors and RIAs to provide compliance, technology, and investment support. Comparable to Centennial's go-to-market pattern of operating as an independent RIA reliant on a larger partner platform for back-office and product access.
• AE Wealth Management: Parent/affiliate of Advisors Excel, which is a stated GTM/marketing partner of Centennial Advisors. AE Wealth Management supports independent RIAs with back-office, technology, and investment platform services — directly comparable to the operating model Centennial leverages for its SEC-registered advisory business.
• Carson Group: Large advisor-centric RIA platform supporting independent financial advisors with investment, planning, and operations infrastructure. Comparable to Centennial because both serve independent advisors targeting HNW households, though Carson operates a much larger partnership network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@RetiringR.I.G.H.T.

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 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 Centennial Advisors