Epstein & Kolacz Wealth Management

What Epstein & Kolacz Wealth Management does

Epstein & Kolacz Wealth Management is a private wealth management practice founded in 1982 and headquartered in Rockwall, Texas, serving individuals, families, and small business owners primarily across North Texas. The firm provides retirement planning, estate strategies, investment management, risk management and insurance, tax planning, and business solutions delivered through traditional advisor-led engagements. It holds advisor registrations across 14 states and delivers securities and advisory services through an arrangement with Independent Financial Group, LLC (IFG), which provides the broker-dealer and RIA infrastructure behind the practice.

The business model is fee-based, charging 0.75% to 1.5% of assets under management, billed annually, with no disclosed subscription, flat-fee, or product-commission revenue mechanics. The team is led by Mike Kolacz (IAR, CEP/CWS/LUTCF/RFC, MDRT Life Member) and Bradley M. Epstein (CPA), with a June 2025 hire of Kennedy Kolacz-Reyes as Administrative Assistant, signaling next-generation succession. Customer acquisition is content-led via an on-site Resource Center and educational content targeting pre-retirees, working professionals, and small business owners.

Technology is limited to conventional planning tools and calculators; no proprietary platform, AI/ML capability, or automated portfolio-engine infrastructure is evidenced. The firm operates as a single-office, 1–10-person practice whose defensibility rests on advisor credentials, client tenure, and local reputation rather than scale, technology, or data advantages.

Name

Epstein & Kolacz Wealth Management

Legal name

Epstein & Kolacz Wealth Management

Website

https://myekwealth.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

Epstein & Kolacz Wealth Management is a Rockwall, Texas-based private wealth advisory founded in 1982, offering retirement, estate, investment, tax, and insurance planning to North Texas individuals, families, and small business owners via AUM-based fees delivered through IFG.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

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

Headquarters

HQ city

Rockwall

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: Fee-based advisory services charged as a percentage of assets under management. Fees range from 0.75% to 1.5% depending on account size.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Epstein & Kolacz Wealth Management is a fiduciary wealth management and financial advisory practice that delivers personalized strategies covering wealth accumulation, preservation, and transfer across all life phases. Services include wealth management, retirement planning, estate strategies, risk management and insurance, investment management, tax planning, and business solutions (such as retirement plans, employee benefits, executive compensation, and business succession). The firm offers a bundled Individual Solutions package for individuals and serves clients primarily in North Texas through licensed advisors across 14 states, using a three-step Discovery, Data Gathering, and Recommend process.

Product overview

Epstein & Kolacz Wealth Management is a financial advisory firm offering a unified suite of wealth management services. The core offerings center on Wealth Management (portfolio construction and risk management), Retirement Planning, Estate Strategies, Investment Management, Risk Management & Insurance, Tax Planning, and Business Solutions. The firm provides specialized services including Special Needs Trusts, Social Security Strategies, Life Insurance, and Individual Solutions for personal financial planning. Additional support is delivered through Financial Calculators and a Resource Center with educational content. The firm serves clients across North Texas, including pre-retirees, working professionals, small business owners, and families.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive wealth management services including portfolio construction and risk management to help clients accumulate, preserve, and transfer wealth across all life phases. Designed for individuals and families seeking integrated investment management aligned to their goals, time horizon, and risk tolerance.
• Retirement Planning Retirement income planning and strategies covering Social Security optimization, retirement account management, and income distribution planning for pre-retirees and retirees. Provides guidance on retirement income, account rollovers, and the timing of distributions from qualified accounts.
• Estate Strategies Estate strategy development including wills, revocable and irrevocable trusts, guardianship planning, power of attorney, and asset titling to protect client legacies, including specialized Special Needs Trusts to ensure financial security and care for loved ones with disabilities. Targeted at families and individuals seeking wealth transfer, estate conservation, and guardianship planning.
• Risk Management & Insurance Risk assessment and management services identifying insurable risks and developing insurance strategies including life, disability, long-term care, and medical insurance for individuals and families; life insurance products offered across term, whole, universal, variable universal, and survivorship categories to protect families and pursue financial goals.
• Tax Planning Tax planning and optimization strategies that help clients manage their overall tax situation through tax-efficient investing and strategic tax planning. Delivered alongside the firm's CPA capabilities and supports both individual tax planning and small business tax considerations.
• Business Solutions Small business financial solutions including employer-sponsored retirement plans (401k, SEP, SIMPLE IRA), employee benefits, executive compensation, and business succession planning. Tailored to small business owners seeking integrated financial guidance for their business entities.
• Individual Solutions Personalized financial planning package for individuals covering estate planning, investment management, college funding (529 plans), and retirement planning. Bundles multiple advisory services into a single individual-focused offering for clients and families navigating multi-goal financial planning.

Named customers5 records

Segments5 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.

• Independent Financial Group, LLC (IFG)coreOthersSecurities and advisory services are offered through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. This is a regulatory compliance partnership where the firm's advisors operate under IFG's broker-dealer and RIA registration. The relationship allows the firm to offer securities and advisory services while maintaining fiduciary standards. The firm and IFG are unaffiliated entities.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• LPL Financial: Largest independent broker-dealer/RIA platform supporting thousands of independent advisors; comparable in that firms like Epstein & Kolacz operate as independent RIAs under similar BD/RIA custody and compliance infrastructure.
• Fisher Investments: Large privately held RIA managing portfolios for high-net-worth and institutional clients; comparable as a privately held, fee-based asset manager, though its AUM scale and institutional client mix are many multiples larger.
• Ameriprise Financial: Advisor-led wealth management platform with insurance and retirement product offerings; comparable in its reliance on individual advisors for relationship-based planning, but with a national branch footprint and proprietary product shelf.
• Edward Jones: National advisor-led wealth management franchise serving mass-affluent and pre-retiree households with retirement, estate, and insurance planning — closest large-company analog to a community-rooted, relationship-based advisory practice.
• MassMutual: Mutual insurer with a sizable wealth management arm (MassMutual Ascend) offering life insurance plus advisory and retirement solutions — directly mirrors the firm's insurance-led wealth model, with the addition of in-house annuity manufacturing.
• Northwestern Mutual: Large incumbent combining life insurance with wealth management and advisory services through a career advisor force — directly comparable to the firm's insurance-plus-wealth model, though at vastly greater scale and with proprietary insurance products.
• Cambridge Investment Research: Independent broker-dealer/RIA platform supporting independent advisors with compliance, custody, and product access — a comparable operating model for the firm, which similarly offers securities through an unaffiliated BD/RIA partner.
• New York Life: Mutual insurer and wealth manager offering life insurance, annuities, and investment advisory via career and affiliated advisors — comparable integrated insurance + wealth stack with a broader product shelf and national footprint.
• Cetera Financial Group: Independent broker-dealer/RIA platform serving independent financial professionals with practice management, technology, and product infrastructure — directly comparable operating counterpart to the firm's relationship with IFG.

Emerging players

• Facet Wealth: Digital-first hybrid RIA offering flat-fee financial planning and investment management; comparable target client (mass-affluent households needing planning + investment management) but competes on price and digital convenience, pressuring traditional advisors' economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 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 Epstein & Kolacz Wealth Management