Plan Well Live Well Financial

What Plan Well Live Well Financial does

Plan Well Live Well Financial, operating under the legal entity Smith Mottini Financial Advisors Inc., is an independent financial advisory firm founded in 2005 by Phillip Mottini and headquartered at 2530 Douglas Boulevard, Suite 100, Roseville, California. The firm delivers personalized financial planning, investment management, insurance, retirement, estate, and tax strategies to individuals, families, and business owners in the greater Sacramento and Northern California region. The practice is operated as a solo-advisor model, with owner Phillip Mottini serving as the sole financial advisor (37 years of industry experience, including eight years at Morgan Stanley Dean Witter) and one Office Manager/Notary, Crystal Brown (joined September 2008).

The firm's underlying technology is built on the Cetera Wealth Services platform, which provides broker-dealer, custody, and back-office infrastructure, alongside Cetera Investment Advisers for registered investment advisory services. Mottini holds Series 7, 31, 63, and 65 registrations, plus AIF and RFC designations, enabling him to deliver a full-service offering that includes tactical/active portfolio management, individual and business retirement plans (401k, 403b, pensions, profit sharing), executive benefits planning (deferred compensation, 419(e) plans, defined benefit carve-outs), business continuation strategies, capital gains deferral, advanced estate planning, and charitable giving structures. Marketing and content delivery run through the FMG Suite platform, which powers the firm's educational resource center (seven topical libraries, a 200+ term glossary, and 40+ calculators).

Revenue is generated through three streams: securities commissions (transaction-based via Cetera Wealth Services), investment advisory fees (typically AUM-based via Cetera Investment Advisers), and insurance commissions. Compensation structure is disclosed during initial client consultations rather than published. Go-to-market is sales-led and field-based, with Mottini conducting in-person consultations, building portfolios, and providing ongoing monitoring; lead generation relies primarily on client referrals, the website's educational content, and FINRA BrokerCheck verification rather than paid marketing or social channels. The firm is founder-owned, privately held, has no institutional investors or PE backing, and serves U.S. residents only.

Name

Plan Well Live Well Financial

Legal name

Smith Mottini Financial Advisors Inc.

Website

https://planwelllivewell.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Plan Well Live Well Financial is an independent, founder-owned financial advisory firm in Roseville, California, offering personalized financial planning, investment management, retirement, estate, and insurance services to individuals, families, and business owners through a single-advisor model affiliated with Cetera Wealth Services.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Financial Planning–Led RIAs (FSAAACAB), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

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

Headquarters

HQ city

Roseville

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 Fees: Fee-based financial planning services where compensation structure is disclosed during initial client meetings. Services include financial plan formulation, recommendations, implementation assistance, and ongoing monitoring.
2. Securities Commissions: Securities offered through Cetera Wealth Services, LLC (member FINRA/SIPC). Firm has Series 7, 31, 63, 65 registrations enabling securities transactions, suggesting commission-based compensation on investment products.
3. Investment Advisory Fees: Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Advisory fees typically based on assets under management.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Plan Well Live Well Financial is an independent financial advisory practice delivering personalized financial planning, portfolio management, insurance, retirement, estate, and tax strategies to individuals, families, and business owners. The firm conducts in-person consultations, formulates financial plans, recommends and implements investment and insurance products (mutual funds, variable annuities, IRAs, 401(k)/403(b)/pension/profit sharing plans, life insurance, buy-sell arrangements), and provides ongoing plan monitoring and updates. Securities are offered through Cetera Wealth Services, LLC (member FINRA/SIPC) and advisory services through Cetera Investment Advisers LLC.

Product overview

Plan Well Live Well Financial is a financial advisory firm offering comprehensive financial planning and investment management services. The firm provides a broad portfolio of services including professional money management with tactical investing strategies, insurance and risk management (Term Life, Universal Life, Whole Life, Variable Universal Life), financial planning with investment products (Mutual Funds, Variable Annuities, 529 Plans), individual retirement solutions (IRA, Roth IRA, Annuities), business retirement plans (401k, 403b, Pensions, Profit Sharing), executive benefits planning, business continuation strategies, capital gains tax deferral, advanced estate planning, and charitable giving strategies. The firm also provides extensive educational resources covering Retirement, Estate, Investment, Insurance, Tax, Money, and Lifestyle topics, along with financial tools including a 200+ term glossary and 40+ calculators. Securities and advisory services are offered through Cetera Wealth Services, LLC (FINRA/SIPC member).

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Money Management / Active Tactical Investment Management Disciplined active/tactical portfolio management that reviews daily market conditions and adjusts allocations to take advantage of market opportunities and protect client portfolios. Designed for individuals and families seeking professional money management.
• Insurance and Risk Management Risk management solutions offering Term Life, Universal Life, Whole Life, and Variable Universal Life insurance products to individuals and families for income and legacy protection.
• Financial Planning and Investment Products Personalized financial planning combined with selection and implementation of investment products including Mutual Funds, Variable Annuities, and 529 Plans for education savings, targeted at individuals and families.
• Individual Retirement Plans Individual retirement account solutions including Traditional IRA, Roth IRA, and Annuities designed to help individuals build tax-advantaged retirement assets.
• Business Retirement Plans

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Cetera Wealth Services, LLCcoreChannel Partner/ Reseller/ DistributorSecurities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. The firm operates as a registered representative under this broker-dealer, which provides the regulatory infrastructure and custody for securities transactions.

Scale indicators3 records

Recent moves5 records

Direct peers

• Commonwealth Financial Network: Commonwealth Financial Network is an independent broker-dealer/RIA supporting independent financial advisors offering comprehensive financial planning and wealth management. Directly comparable to Plan Well Live Well's independent advisor model.
• Northwestern Mutual: Northwestern Mutual is a mutual financial services company that delivers comprehensive financial planning, life insurance, and investment products through a career advisor force. It mirrors Plan Well Live Well's blend of insurance-led and planning-led services for individuals and business owners.
• Edward Jones: Edward Jones is a large advisor-led financial services firm focused on individual investors, retirement planning, and small-business retirement plans through a branch-based local advisor model. Directly comparable to Plan Well Live Well in target customer (retirees and families) and in-person advisor-led delivery.
• Cetera Advisor Networks: Cetera Advisor Networks is the independent advisor channel of Cetera Financial Group, the same broker-dealer parent that Plan Well Live Well is affiliated with. It is a direct peer operating under the same regulatory and back-office infrastructure while serving similar individual and family clients.
• Ameriprise Financial: Ameriprise Financial is a comprehensive financial advisory firm offering financial planning, investment management, insurance, and retirement products through a network of independent advisors. Directly comparable to Plan Well Live Well in services, customer segment, and advisor-led delivery model.
• Raymond James Financial: Raymond James is a diversified financial services holding company with an independent advisor network providing wealth management, retirement planning, and investment services. Comparable in business model, services, and customer base to Plan Well Live Well.

Broad incumbents

• LPL Financial: LPL Financial is the largest independent broker-dealer in the U.S., supporting thousands of independent advisors with compliance, custody, and technology. It is a broader-scale incumbent in the same independent advisory ecosystem in which Plan Well Live Well operates.
• Merrill Lynch Wealth Management: Merrill Lynch Wealth Management is a large incumbent wirehouse offering comprehensive financial planning, retirement, and investment advisory services. Overlaps with Plan Well Live Well in target customers and service breadth but operates at much greater scale.
• Charles Schwab Wealth Advisory: Charles Schwab Wealth Advisory is a large-scale advisory service offering financial planning and managed portfolios, including access to dedicated advisors. Competes with Plan Well Live Well for retirement-focused investors but at a much larger scale and lower price point.
• Vanguard Personal Advisor Services: Vanguard Personal Advisor Services provides low-cost, predominantly passive investment advisory and financial planning services. Competes with Plan Well Live Well in the same retirement and wealth planning category, differentiated by scale and fee structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/PlanWellLW

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Plan Well Live Well Financial