Moshides Financial Group

What Moshides Financial Group does

Moshides Financial Group is a privately held, independent financial advisory firm incorporated in 1987 and headquartered in Amherst, New York, with a secondary office in the region. The firm employs a team of seven and serves business owners, physicians and medical professionals, other professionals, and affluent individuals and families. Its service offering spans investment management, wealth management, insurance, estate planning, retirement planning, taxation, employee benefits, and qualified retirement plans, delivered through a proprietary six-step advisory methodology called the Freedom Solution Process. The firm also operates a tailored Business of Wealth offering for entrepreneurial clients.

The firm's core operating stack is relationship- and process-driven rather than technology-driven: client engagements are structured through the Freedom Solution Process, supported by a dedicated internal investment research team (established 2001), and delivered under the credentials of founder John Moshides (CLU, ChFC, AEP, CLTC) and team members holding CFP, AIF, and MBA designations. Broker/dealer and securities execution are provided through a long-standing partnership with MML Investors Services, and the firm is licensed to sell insurance in 17 states and registered for securities in approximately 15 states. Qualified retirement plan administration is supported through integrations with Voya, Principal, John Hancock, Fidelity, American Funds, and Empower.

The business model is fee- and commission-based, with revenue derived from assets-under-management (AUM) fees, assets-under-administration (AUA) fees, insurance commissions, securities commissions, and standalone financial planning fees. As of December 31, 2023, the firm reported AUM of approximately $210.4M and AUA of approximately $216.3M, for combined client assets of roughly $426.8M. Distribution is relationship-led and regional, anchored in Western New York, with content marketing (weekly commentary, video, and an online resource center) used to support lead generation.

Name

Moshides Financial Group

Legal name

Moshides Financial Group, Inc.

Website

https://moshidesfinancial.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Moshides Financial Group is a privately held, independent financial advisory firm in Amherst, NY, offering investment, wealth, insurance, estate, and retirement planning to business owners, physicians, professionals, and affluent individuals and families.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industries

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Family Office Services (Single & Multi-Family Office) (FSABADAF)

Keywords

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

Headquarters

HQ city

Amherst

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Assets Under Management (AUM) Fees: Fees based on total assets under management through MML Investors Services managed account programs.
2. Assets Under Administration (AUA) Fees: Fees from non-advisory investment programs, annuity contract values, and life insurance cash values serviced through MML Investors Services broker/dealer.
3. Insurance Products Commissions: Commissions from insurance products including life insurance, disability insurance, long-term care insurance, and property/casualty coverage.
4. Securities Transaction Commissions: Commissions from securities transactions through MML Investors Services broker/dealer.
5. Financial Planning Fees: Comprehensive financial planning services including estate planning, retirement planning, business owner guidance, and employee benefits planning.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Moshides Financial Group is a privately held financial advisory firm that provides personalized wealth management, investment management, retirement planning, estate planning, insurance planning, and business owner financial guidance to individuals, families, physicians, professionals, and business owners. Services are anchored in "The Freedom Solution Process," a six-step proprietary financial planning methodology, and are delivered through licensed financial professionals operating under MML Investors Services, LLC as the broker/dealer platform. The firm coordinates cash flow, tax, risk management, and succession planning alongside investments, insurance, and qualified retirement plan administration for clients across 17 U.S. states.

Product overview

Moshides Financial Group is a financial advisory firm offering a unified suite of services rather than a modular software platform. The core offering centers on 'The Freedom Solution Process,' a six-step comprehensive financial planning methodology. This core is supported by specialized services including Insurance Planning, Investment Management, Estate Planning, Business Owner Guidance (through 'The Business of Wealth' process), Employee Benefits, and Qualified Retirement Plans. The firm also provides supplementary tools including Weekly Market Commentary, Tax Resources, Educational Resources, a Resource Center with articles and calculators, and a Financial Glossary. Services are delivered through licensed professionals who coordinate with third-party platforms for investment and retirement account access.

Differentiator

Problem solved

Functional benefit

Products and services

• The Freedom Solution Process A proprietary six-step comprehensive financial planning methodology that guides clients from initial discovery through ongoing progress reviews toward financial freedom. It is the firm's central client engagement framework and is applied across all client segments (business owners, professionals, physicians, and affluent individuals).
• Insurance Planning Comprehensive insurance analysis and planning services covering life insurance, long-term care insurance, disability insurance, and risk management to safeguard client assets, income, and loved ones. Licensed in 17 U.S. states for insurance product sales.
• Investment Management Investment advisory services built on five principles: asset allocation, a multiple-manager platform, disciplined security and sector analysis, diverse investment options including no-load funds, ETFs, and individual securities, and continuous monitoring and rebalancing. Delivered via MML Investors Services managed account programs and an in-house Investment Committee.
• Estate Planning Strategic estate planning services including trust design, beneficiary designations, charitable giving strategy, and coordination with legal professionals to build legally sound estate plans that preserve and transfer wealth.
• Business Owner Guidance (The Business of Wealth) Specialized financial guidance for business owners, delivered through a proprietary process called 'The Business of Wealth.' Covers cash flow management, tax planning, risk management, and succession planning for entrepreneurs and business operators.
• Employee Benefits Design and implementation of comprehensive employee benefit packages for employers, including health insurance, retirement plans, and disability coverage, tailored to organizational needs.
• Qualified Retirement Plans Selection, implementation, and ongoing administration of qualified retirement plans including 401(k), SEP IRAs, and SIMPLE IRAs. Services include plan design, participant education, and investment selection for employer-sponsored plans.

Quantifiable outcome

• Over $426 million in total assets under management and administration as of December 31, 2023

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Partnerships

Eleven partnerships are on record, tiered core, supporting and minor.

• MML Investors Services, LLCcoreChannel Partner/ Reseller/ Distributor · 1 January 1987Securities, investment advisory, and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. MML Investors Services provides the broker/dealer platform for securities transactions and managed account programs. Moshides Financial Group is not a subsidiary or affiliate of MML Investors Services.
• Wealthscape (Investment Login Platform)supportingTechnology or IntegrationClient investment account management platform providing portfolio viewing and account administration capabilities.
• Emaplan (PFV Login Platform)supportingTechnology or IntegrationClient investment account platform for financial planning and portfolio management access.
• Voya Financial (401k Participant Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• Principal Financial (401k Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• John Hancock (401k Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• Fidelity Investments (401k Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• American Funds (401k Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• Empower Retirement (401k Login)minorOthersThird-party 401(k) participant login access provided for client convenience in managing retirement accounts.
• Give & Grow Study GroupcoreStrategic or Co-development PartnerNational group of financial advisors committed to life-long professional improvement and sharing of best practices. John Moshides joined as founding member in 1998. The group has addressed the Million Dollar Round Table audience virtually in Singapore and Philippines (2020).
• Peak Advisor AlliancesupportingStrategic or Co-development PartnerCoaching program designed to improve office operations and client service. MFG enrolled in 2010.

Scale indicators3 records

Recent moves9 records

Expansion highlights4 records

Broad incumbents

• LPL Financial: Largest independent broker-dealer in the U.S., providing the custody, platform, and product infrastructure used by thousands of independent advisors including wealth managers like MFG.
• Fidelity Wealth Management: Large incumbent wealth manager offering investment advisory, retirement planning, and 401(k) services — competes for HNW clients and serves as a 401(k) platform MFG integrates with.

Direct peers

• Cetera Financial Group: Independent advisor-focused wealth platform offering investment advisory, insurance, and planning services through independent contractors; structurally and competitively analogous.
• Raymond James Financial: Diversified financial services holding company with an independent advisor channel offering wealth management, retirement, and estate planning; closely analogous in independent-advisor franchise model.
• Northwestern Mutual: Large hybrid wealth-and-insurance advisory firm with a career-agent model serving business owners and professionals; Tyler Diebold previously worked there. Directly comparable in offering mix (life insurance, investment, planning) and client segment.
• Edward Jones: National network of local-branch financial advisors providing investment, retirement, and insurance planning to mass-affluent and HNW individuals; competes directly for the same professionals and business owners.
• Ameriprise Financial: Independent advisor-led wealth management and financial planning franchise serving HNW individuals; comparable in offering breadth (planning, investments, insurance) and advisor-led delivery model.
• Commonwealth Financial Network: Independent broker-dealer/RIA supporting independent financial advisors in serving HNW clients with holistic planning, investments, and insurance — direct structural parallel to MFG's MML-affiliated model.
• Cambridge Investment Research: Independent broker-dealer supporting financial advisors in delivering investment, retirement, and insurance solutions to individuals and business owners; comparable independent-advisor model.
• Mariner Wealth Advisors: National independent RIA providing comprehensive financial planning, investment management, and tax/estate services to HNW individuals and business owners; comparable full-service model and client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/moshides-financial-group

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Moshides Financial Group