Koinonia Financial

What Koinonia Financial does

Koinonia Financial is a boutique Registered Investment Advisor headquartered at 9400 Grogans Mill Rd Ste 305, The Woodlands, Texas, founded by David Trifon and currently led by CEO Cody Warrick. The firm operates with 1–10 employees and serves individuals and families (primary segment) and small business owners (secondary segment) seeking comprehensive financial guidance rather than transactional brokerage services. Its core offering combines Wealth Management (investment advisory and asset management) with Financial Planning as the umbrella service encompassing five specialized modules: retirement planning, education savings, insurance planning, estate planning, and wealth management itself. Each client is assigned a dedicated wealth advisor operating through a three-stage process (Accumulating Information, Analyzing Opportunities, Advising), with no account minimums disclosed.

The revenue model is a recurring Assets Under Management (AUM) fee, typically 1%–2% annually with tiered schedules, billed on a subscription basis. Securities are transacted through LPL Financial (Member FINRA/SIPC), which functions as the broker-dealer and securities infrastructure partner; investment advice is offered separately through Koinonia Financial under its own RIA registration. The technology stack is human-driven and intentionally non-proprietary: client-facing account access is delivered via LPL Account View, and estate document archiving is delivered via Everplans integration. No AI/ML capabilities, mobile app, API, or in-house platform were disclosed.

Go-to-market is sales-led and relationship-based: client acquisition occurs through initial phone, email, or in-person consultations at the Woodlands office, with established clients reviewed at least annually and more frequently on request. Marketing activity is concentrated on educational content (company blog covering life insurance, estate planning, retirement planning, and wealth topics) in The Woodlands regional market. Differentiators include Christian-principles-based stewardship, fiduciary duty, personalized face-to-face service, and collective advisor experience described as 'over 50 years' across the team. The firm targets a narrow faith-aligned retail segment rather than scalable institutional distribution.

Name

Koinonia Financial

Legal name

Koinonia Financial

Website

https://koinoniafinancial.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

1–10 employees

Short description

Koinonia Financial is a boutique Registered Investment Advisor in The Woodlands, Texas, providing wealth management and integrated financial planning services—including retirement, education savings, estate, and insurance planning—to individuals and small business owners on a recurring 1%–2% AUM fee basis.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

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

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Estate Planning & Trust Structuring Advisory (FSAEAKAC), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

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

Headquarters

HQ city

The Woodlands

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Assets Under Management (AUM) Fee: The primary revenue stream is based on the value of assets under management. As a boutique firm, they offer financial solutions with emphasis on suitability for all proposals. Fees typically range from 1%-2% of AUM annually, with tiered fee schedules where the percentage may decrease as account value grows.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Koinonia Financial is a boutique Registered Investment Advisor delivering wealth management and holistic financial planning services to individuals and small business owners in The Woodlands, TX area. The firm operates as a fiduciary, assigning each client a dedicated wealth advisor who provides personalized guidance across investment management, retirement, education savings, estate, and insurance planning, with securities transacted through LPL Financial. The firm has no account minimums and is built on Christian principles emphasizing stewardship and trust-based relationships.

Product overview

Koinonia Financial is a Registered Investment Advisor offering a unified financial advisory service built on Christian principles. The core offering combines Wealth Management (investment advisory and asset management) with Financial Planning as the umbrella service that encompasses five specialized modules: Retirement Planning, Education Savings, Insurance Planning, Estate Planning, and Wealth Management. Each client is assigned a dedicated wealth advisor who provides personalized guidance across all service areas, with tax efficiency and suitable risk management as foundational priorities.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive investment management and financial advisory service providing strategies for all areas of clients' financial situations, with a dedicated wealth advisor assigned to each client. Designed for individuals and small business owners seeking fiduciary guidance on investments and portfolio strategy.
• Financial Planning Short-term and long-term support for growing and maintaining all aspects of financial well-being, encompassing retirement, education savings, insurance, and estate planning. Provides individuals and small business owners with a holistic planning framework anchored in tax efficiency and risk management.
• Education Savings Tailor-made education savings plans including 529 education savings accounts and Coverdell education savings accounts designed to fund private school and college expenses. Targeted at families planning for future education costs.
• Estate Planning Custom estate plans including wills, trusts, powers of attorney, and coordination with estate attorneys to support asset distribution after passing. Designed for individuals and families seeking structured wealth transfer strategies.
• Retirement Planning Retirement plans aimed at providing steady income during post-work years, including 401(k) guidance, Social Security planning, and long-term care consideration. Built for individuals and small business owners preparing for retirement.
• Insurance Planning Insurance plans including life insurance and disability/long-term care insurance policies designed to protect families from unforeseen circumstances. Targeted at individuals and families seeking risk protection as part of a holistic financial plan.

Segments2 records

Ideal customer profiles2 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.

• LPL FinancialcoreChannel Partner/ Reseller/ DistributorSecurities are offered through LPL Financial, Member FINRA/SIPC. LPL Financial is a registered broker-dealer and provides the securities infrastructure for Koinonia Financial's investment advisory services. Investment advice is offered through Koinonia Financial, a registered investment advisor and separate entity from LPL Financial.

Scale indicators2 records

Recent moves4 records

Expansion highlights1 record

Broad incumbents

• Raymond James Financial Services: Major financial services firm with extensive advisor network providing wealth management, retirement, and planning services—comprehensive service breadth overlapping Koinonia's modules.
• Northwestern Mutual: Broad-based financial services firm combining insurance, investment, and planning services for individuals—similar comprehensive planning offering including insurance and retirement modules that overlap with Koinonia's menu.
• Fisher Investments: Large RIA specializing in wealth management for high-net-worth individuals—directly comparable RIA model with AUM-based fee structure serving similar individual and family client base.
• Edward Jones: Large national financial advisory firm offering wealth management, retirement, and estate planning to individuals—comparable in service mix to Koinonia but at vastly greater scale and brand recognition.
• Mariner Wealth Advisors: Nationally scaled RIA providing comprehensive wealth advisory including financial planning, tax, and estate services—comparable full-service RIA model targeting affluent individuals and families.
• Commonwealth Financial Network: Large independent broker-dealer and RIA support firm; comparable model for RIAs offering comprehensive financial planning and wealth management for individuals and families.
• Carson Group: National RIA support platform helping independent advisors deliver comprehensive wealth management—comparable RIA model serving individuals through financial planning and investment advisory.
• Creative Planning: Large national RIA offering holistic financial planning, investment management, and tax services—comparable RIA wealth management model at significantly greater scale.

Direct peers

• Thrivent: Faith-based financial services organization offering investment, insurance, and retirement planning—directly comparable to Koinonia's Christian-principles, values-aligned advisory positioning for individuals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Koinonia Financial