307 Financial Services

What 307 Financial Services does

307 Financial Services, LLC is a privately held, independent financial advisory firm founded in 1982 in Riverton, Wyoming by Mike Zirbel. The firm provides comprehensive financial planning, retirement planning, wealth management, estate planning, tax strategies, insurance, and college savings services primarily to individuals, couples, and small business owners in the Wyoming market. It operates as a subsidiary of Oak Leaf Wealth Management, Inc., with leadership transitioning in 2015 to Jon Sweet (Owner/Financial Advisor) and Marja Sweet (Partner/Financial Planner), supported by an office manager and client service associate.

The firm generates revenue through fee-based financial advisory and investment management services delivered on a recurring basis, with insurance products offered as a separate professional services line. It does not own proprietary technology; instead, it relies on a stack of third-party financial planning and portfolio management platforms accessed through its affiliation with Commonwealth Financial Network — a dually registered investment adviser and broker/dealer — including Investor360°, eMoney, MoneyGuidePro, RightCapital, AssetMark, and WealthScape. Commonwealth provides back-office infrastructure including clearing/custody via NFS/Fidelity, compliance supervision, and investment research, with Commonwealth overseeing $344 billion in total account assets as of December 31, 2024.

Client acquisition is relationship-based, driven by scheduled one-on-one consultations, referral networks, extensive community involvement (Riverton Lions Club, Rotary, Kiwanis, Knights of Columbus, Boy Scouts, Fremont County Fair), and an educational content resource center. The firm operates from a single office at 416 East Main Street, Riverton, serving Fremont County and surrounding Wyoming communities, with weekend appointments available.

Name

307 Financial Services

Legal name

307 Financial Services, LLC

Website

https://307financial.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

307 Financial Services is an independent, fee-based financial advisory firm in Riverton, Wyoming, providing retirement planning, wealth management, estate planning, and investment management to individuals, couples, and small business owners across Wyoming via its Commonwealth Financial Network affiliation.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)

Keywords

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

Headquarters

HQ city

Riverton

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 Services: Fee-based financial advisory and investment management services. The firm provides comprehensive financial planning, wealth management, and investment advisory services through its affiliation with Commonwealth Financial Network, a registered investment adviser and broker/dealer.
2. Portfolio Management: Investment portfolio management tailored to client goals, time horizon, and risk tolerance. Services include portfolio construction, ongoing monitoring, and adjustment.
3. Insurance Products: Fixed insurance products and services offered through Commonwealth Financial Network. Includes life insurance, long-term care insurance, and other protection products.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

307 Financial Services is an independent financial advisory firm that provides personalized financial planning, retirement planning, investment portfolio management, wealth management, college savings planning, and estate planning services to individuals, couples, and small business owners in Wyoming. Operating under Commonwealth Financial Network's broker-dealer/RIA platform, the firm delivers coordinated financial strategies that integrate investment management, tax planning, insurance, and retirement income planning under a single advisor relationship.

Product overview

307 Financial Services is a financial advisory firm offering a unified suite of wealth management services. The core offerings include Portfolio Management, Retirement Strategies, Wealth Management, College Savings Planning, and specialized services for high-net-worth clients. The firm integrates multiple financial planning disciplines under one advisor, combining investment management, retirement planning, estate planning, tax strategies, and insurance guidance. Clients access their accounts through various online portal platforms including Investor360 and eMoney.

Differentiator

Problem solved

Functional benefit

Products and services

• Portfolio Management Investment portfolio management service that evaluates client goals, time horizon, and risk tolerance to construct, monitor, and adjust tailored investment strategies for individual clients.
• Retirement Planning Financial planning service focused on retirement preparation including qualified employer-sponsored plans, individual retirement accounts, personal savings, and executive deferral plans for individuals and couples.
• Wealth Management Integrated wealth management service combining investment management, college fund planning, and retirement planning coordinated under one advisor relationship.
• College Savings Planning Education savings services including 529 plans, Coverdell Education Savings Accounts, and UGMA/UTMA accounts for funding educational expenses for children and grandchildren.
• HNW/UHNW Client Services Sophisticated financial strategies for high-net-worth and ultra-high-net-worth individuals requiring advanced wealth management, multi-generational planning, and estate planning solutions.

Quantifiable outcome

• Jon Sweet recognized as Chairman's Level advisor for 2024, placing him among top 3% of advisors at Commonwealth Financial Network

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• National Financial Services LLC (NFS)coreTechnology or Integration · 1 January 1979NFS provides clearing, custody, and brokerage services to Commonwealth. It is an industry leader providing trade processing, statement generation, tax reporting, and asset management account services. NFS is subject to SEC, NYSE, FINRA regulations and provides SIPC protection plus excess SIPC coverage.
• Commonwealth Financial NetworkcoreStrategic or Co-development PartnerCommonwealth is a dually registered investment adviser and broker/dealer that serves as the back-office infrastructure for 307 Financial. It provides technology platform (Investor360°), investment research, compliance supervision, clearing and custody services through NFS/Fidelity, and access to wide universe of investment options including stocks, bonds, mutual funds, ETFs, and alternative investments. Commonwealth oversees $344 billion in total account assets as of December 31, 2024.
• Oak Leaf Wealth Management, Inc.coreStrategic or Co-development PartnerOak Leaf Wealth Management is the parent company of 307 Financial Services. Jon Sweet is a founding member of Oak Leaf Wealth Management. The firm operates as part of the Oak Leaf family of financial advisory practices.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Cetera Financial Group: Independent broker-dealer network that hosts affiliated financial advisors offering comprehensive planning and wealth management — structurally similar to 307 Financial's broker-dealer affiliation model.
• Ameriprise Financial: Diversified financial services firm with a hybrid advisor channel offering comprehensive retirement, investment, and insurance planning — closely mirrors 307 Financial's product mix and advisor-led distribution.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of independent RIAs with back-office, custody, and compliance infrastructure analogous to 307 Financial's Commonwealth relationship.
• Cambridge Investment Research: Independent broker-dealer supporting affiliated advisors with practice management, technology, and compliance services — a comparable ecosystem to Commonwealth for 307's model.
• Fisher Investments: Large independent RIA managing discretionary portfolios for individual and institutional clients — competes for the same HNW/UHNW segment that 307 Financial targets in Wyoming.
• Charles Schwab (Independent Advisor Services): Provides custody, technology, and platform services to thousands of independent RIAs, including 307 Financial's own custodian (NFS/Fidelity-style stack); a key competitive platform for independent practices.
• Raymond James Financial: Diversified wealth management and broker-dealer firm with a large affiliated advisor channel serving individual investors — directly comparable GTM and product set.

Direct peers

• Edward Jones: Large U.S. financial advisory firm operating a branch-based, relationship-led model serving individual investors and small business owners — the same niche 307 Financial targets, but at national scale.
• Oak Leaf Wealth Management: Parent company of 307 Financial Services; the umbrella entity through which Jon Sweet operates and the closest organizational peer given shared ownership and Commonwealth affiliation.

Others

• Commonwealth Financial Network: The dually registered RIA and broker-dealer platform on which 307 Financial operates; provides the back-office infrastructure, technology stack, and production-tier recognition that frames 307's economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/307financial
• LinkedInlinkedin.com/company/307-financial-services

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 307 Financial Services