What Cooperleaf Capital does

Copperleaf Capital, LLC is a privately held, SEC-registered investment adviser (CRD 117823) operating as an independent financial services firm serving individual investors and families across the U.S. Southeast, with offices in Clover, SC and Raleigh, NC. The firm offers a unified platform spanning Financial Planning, discretionary Portfolio Management, Private Wealth Management, and Trust Services, with no minimum investment required to establish a relationship. Its core offerings include retirement income planning, asset allocation, estate and legacy planning, tax planning, insurance analysis, executive compensation strategies, and college education planning, delivered through a defined four-step process (Dream, Discovery, Develop, Deploy) and supported by client education via the 'Life.Perfected.' book.

The firm does not build proprietary technology. Its technology architecture is composed entirely of best-in-class third-party platforms: eMoney for financial planning portal access, Orion for portfolio performance reporting and account aggregation, Riskalyze for client risk quantification, and Fidelity as primary custodian for brokerage and trust services. Investment execution is augmented by sub-advisor relationships with Eaglebrook Advisors, WealthPortrait Financial, and Dimensional Fund Advisors, alongside an affiliate relationship with Brookstone Capital Management. Product scope has been expanded to include digital assets and alternative investments.

The revenue model combines recurring asset-based fees (0.25%-2.00% of AUM, deducted monthly by the custodian), fixed annual financial planning fees (billed annually with possible upfront retainers), and transaction-based insurance commissions earned by licensed representatives. The firm employs approximately 7 people, led by President Ryan Peterson (CFP, ChFC, CMFC, CLU, 30+ years of experience), and targets retail investors and families seeking retirement strategies via a consultative, direct-advisory sales motion.

Name

Cooperleaf Capital

Legal name

Copperleaf Capital, LLC

Website

https://copperleafcapital.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

Copperleaf Capital is an SEC-registered independent investment adviser serving individual investors and families in the U.S. Southeast, delivering financial planning, discretionary portfolio management, and wealth advisory services on a recurring AUM-fee model with no minimum investment requirement.

Ownership category

akta.pro rank

Product category

Wealth Management & Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Wealth management services
• Financial planning advisory
• Portfolio management services
• Retirement strategy advisory
• Registered investment adviser

Headquarters

HQ city

Raleigh

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, Others

Revenue model

1. Portfolio Management Fees: Asset-based fee charged as percentage of assets under management, ranging from 0.25% to 2.00% per year. Fee decreases as account size increases. Deducted monthly by custodian directly from account.
2. Financial Planning Fees: Fixed annual fee for financial planning services. May charge non-refundable retainer portion upfront, with remainder due upon plan delivery. Subsequent annual fees typically invoiced in July.
3. Insurance Product Commissions: Licensed financial professionals earn commissions from insurance companies when clients purchase insurance products through them as part of financial plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Copperleaf Capital, LLC is an independent, SEC-registered investment adviser that creates retirement strategies for individuals and families using investment and insurance products. Its core offerings are discretionary portfolio management (continuous monitoring and trading of stocks, bonds, ETFs, and mutual funds for tiered asset-based fees of 0.25%–2.00% annually), fixed-fee financial planning, and comprehensive private wealth management covering estate, trust, retirement income, executive compensation, charitable, business transition, and college planning, supported by integrations with Fidelity (custodian), eMoney (financial planning portal), Orion (performance reporting), and Riskalyze (risk quantification).

Product overview

Cooperleaf Capital is an independent financial services firm offering a unified platform of wealth management and investment advisory services. The core offerings consist of Investment Services (equities, mutual funds, ETFs, bonds, retirement accounts, digital assets, and insurance products) and Private Wealth Management (financial and estate planning, asset allocation, portfolio management, and specialized planning for executives and business owners). These services are delivered through financial planning engagements and discretionary portfolio management accounts, with integrated access to trust services via Fidelity Personal Trust Company. The firm also publishes the 'Life.Perfected.' book as a client education resource.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Services
• Private Wealth Management
• Financial Planning
• Portfolio Management
• Trust Services

Quantifiable outcome

• Clients have access to cutting-edge technology that puts their progress at their fingertips anytime, from anywhere

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• FidelitycoreTechnology or IntegrationFidelity serves as a custodian for client brokerage accounts, holding cash and securities. Clients access Fidelity accounts through online portal for trading and account management. This is a primary custodian relationship for portfolio management services.
• eMoneycoreTechnology or IntegrationeMoney provides the client portal for comprehensive financial planning, allowing clients to view their financial plans, documents, and planning tools through a dedicated web portal.
• OrioncoreTechnology or IntegrationOrion provides performance reporting portal for tracking portfolio performance and account aggregation across client accounts.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Buckingham Strategic Wealth: Independent, fee-only RIA focused on evidence-based investing and comprehensive financial planning for individuals and families. Closely matches Copperleaf's mass-affluent, planning-led, fee-based RIA model with no proprietary custody or broker-dealer.
• Carson Group: Independent wealth management firm offering financial planning, investment management, and coaching to advisors and their clients. Comparable as a planning-led, retail-focused RIA platform that has pursued aggressive advisor recruiting and inorganic growth.
• Personal Capital (Empower Personal Dashboard): Hybrid digital wealth manager combining robo-advisor tools with human advisors for mass-affluent and HNW clients. Competes for the same retail/HNW wallet-share with a tech-forward delivery model, representing both a competitor and a technology benchmark for Copperleaf.

Emerging players

• Facet Wealth: Tech-enabled flat-fee financial planning and investment management firm targeting mass-affluent clients. Direct competitor in the digital-first, no-minimum advisory space and a benchmark for the kind of technology-enabled scaling Copperleaf might pursue.

Broad incumbents

• Mariner Wealth Advisors: Independent RIA platform offering comprehensive wealth management, estate, tax, and trust services. Directly comparable service breadth (financial planning + portfolio management + insurance + trust), and a useful growth benchmark for a Southeast-boutique aspiring to scale.
• Fisher Investments: Large independent RIA serving high-net-worth and institutional clients with discretionary portfolio management. Highly comparable business model (fee-based AUM) but operates at vastly greater scale than Copperleaf, illustrating both the addressable growth path and the scale gap.
• Edelman Financial Engines: National RIA combining traditional advisory planning with technology-enabled portfolio management for mass-affluent and HNW clients. Comparable in delivering financial planning plus discretionary portfolio management, though at much larger scale and with proprietary technology.
• Waddell & Reed (Macquarie Asset Management): Large diversified wealth manager acquired by Macquarie. Comparable as a traditional financial-planning-led RIA/broker-dealer serving mass-affluent clients, illustrating the consolidation trend toward larger platforms.

Others

• Commonwealth Financial Network: Independent broker-dealer/RIA platform supporting independent financial advisors with practice management, technology, and custody services. Comparable as a partner/affiliation model for boutique RIAs and as a potential growth path for Copperleaf.
• LPL Financial: Largest U.S. independent broker-dealer/RIA platform providing custody, technology, and compliance infrastructure to thousands of independent advisors. Relevant as both a potential custodian/partner alternative and as the structural model many small RIAs use to scale beyond founder-led operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CopperLeafCapital

Compliance2 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 Cooperleaf Capital