25 Financial

What 25 Financial does

25 Financial is a privately-held, SEC-registered investment advisory firm headquartered in Kirkwood, Missouri (St. Louis metro), founded in 2017 and operating with 11–50 employees. The firm provides comprehensive wealth management, financial planning, tax planning, investment management, insurance planning, estate planning, and retirement planning services, supplemented by specialized modules such as alternative investments (private equity, real estate syndications, opportunity zones), cost-segregation accelerated depreciation, 1031 exchange, own-occupation disability insurance, asset protection, student loan debt management, and tax-mitigation strategies. Its core customers are physicians and medical residents, with adjacent segments of business owners and high-net-worth accredited investors, served across 40+ U.S. states.

The business model is fee-based advisory: revenue derives from recurring investment-advisory fees as an SEC-registered investment advisor with fiduciary duty, while securities are offered through affiliated broker-dealer relationships with Quincy Wells Capital, LLC and Great Point Capital, LLC (both FINRA/SIPC/IEX members). Go-to-market is sales-led and content-driven, combining educational blog content and state-specific SEO landing pages with direct client consultation requests and a professional referral network (CPAs, attorneys, medical-practice partners). Operational infrastructure uses standard RIA tooling such as the Orion Advisor client portal.

25 Financial is independently owned and operated with no disclosed venture capital, private equity, parent company, subsidiaries, or acquisitions. No funding rounds, M&A activity, leadership changes, or AI/ML capabilities are disclosed. The competitive position rests on healthcare-vertical specialization, multi-credentialed advisor talent (CFP, CFA, CRPC, ChFC, CPA), curated alternative-investment access, and fiduciary-led holistic planning.

Name

25 Financial

Legal name

25 Financial

Website

https://25financial.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

25 Financial is a privately-held SEC-registered investment advisor in Kirkwood, Missouri, providing fee-based wealth management, financial planning, and alternative investments to physicians, medical residents, business owners, and high-net-worth accredited investors across 40+ U.S. states.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Wealth management services
• Financial planning
• Investment advisory
• Alternative investments
• Retirement planning

Headquarters

HQ city

St Louis

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. Investment Advisory Fees: Fee-based investment advisory services provided as a Securities and Exchange Commission Registered Investment Advisor. Securities offered through affiliated broker-dealer relationships (Quincy Wells Capital, LLC and Great Point Capital, LLC, members FINRA/SIPC/IEX). Revenue derived from advisory fees for comprehensive wealth management services including financial planning, tax strategy, investment management, insurance planning, estate planning, and alternative investments.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

25 Financial is a private wealth management firm that provides fee-based financial planning, tax planning, investment management, insurance planning, retirement planning, estate planning, and access to alternative investments as an SEC Registered Investment Advisor. The firm specializes in serving physicians, medical residents, business owners, entrepreneurs, and high-net-worth accredited investors across 40+ U.S. states, with securities offered through affiliated broker-dealer relationships.

Product overview

25 Financial is a private wealth management firm offering a unified platform of financial planning services primarily targeting physicians, business owners, entrepreneurs, and high-net-worth accredited investors. The core offering consists of Financial Planning as the umbrella service, supported by specialized modules including Tax Planning and Strategy, Investment Planning, Insurance Planning, Retirement Planning, and Estate and Asset Planning. Additional specialized services include Alternative Investment Strategy, Opportunity Zone Investing, Cost Segregation Accelerated Depreciation, 1031 Exchange, Own Occupation Disability Insurance, Asset Protection Planning, Employee Benefits Planning, Student Loan Debt Management, and Tax Mitigation Strategies. The firm positions itself as a comprehensive one-stop resource for wealth management, combining expertise in healthcare professionals' unique financial challenges with access to exclusive alternative investment opportunities.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service covering insurance review and planning, debt management strategies, employee benefits planning and analysis, investment management and planning, proactive tax strategies, college/retirement/legacy planning, and estate and asset protection. Designed for physicians, business owners, medical residents, and high-net-worth investors seeking an integrated wealth plan.
• Tax Planning and Strategy Proactive tax planning and strategy service offering cost segregation accelerated depreciation, 1031 exchange structuring, and tax-efficient investment strategies for clients with complex financial situations.
• Investment Planning Investment planning service providing diversified investment portfolios and access to alternative investment strategies and exclusive investment opportunities for accredited clients.
• Insurance Planning Insurance planning service covering asset protection planning and own-occupation disability insurance tailored to physicians and high-net-worth individuals.
• Alternative Investment Strategy Alternative investment opportunity service including private equity, real estate syndications, and private practice investments, evaluated through a rigorous due diligence process adapted from top private equity firms. Available to accredited investors.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Quincy Wells Capital, LLCcoreChannel Partner/ Reseller/ DistributorSecurities offered through Quincy Wells Capital, LLC; member FINRA/SIPC/IEX. This is a separately owned and unaffiliated entity that provides brokerage services for the firm's securities offerings.
• Great Point Capital, LLCcoreChannel Partner/ Reseller/ DistributorSecurities offered through Great Point Capital, LLC; member FINRA/SIPC/IEX. This is a separately owned and unaffiliated entity providing brokerage services, particularly referenced on the Utah service page.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Halbert Hargrove: Fiduciary wealth advisory firm providing comprehensive financial planning, investment management, and tax services to HNW individuals and families. Comparable to 25 Financial in service offering and client focus on a fiduciary RIA model.
• Wealthspire Advisors: National RIA delivering wealth planning, investment management, and family office services to HNW clients. Comparable to 25 Financial across service mix and SEC RIA structure, though operating at greater scale.
• Cresset: Multi-family office and RIA serving HNW families with comprehensive planning, alternative investments, and tax strategy. Closely comparable to 25 Financial in target clientele, fiduciary model, and access to private investments.
• BDF Group: Healthcare-focused financial planning firm serving physicians, medical practices, and healthcare professionals. Direct peer to 25 Financial given the shared niche focus on physician wealth management and similar comprehensive advisory service mix.
• Creative Planning: Large SEC-registered RIA offering comprehensive wealth management, tax, estate, and alternative investment services to HNW clients. Similar business model and service stack but with much larger headcount and AUM, useful as a scaled benchmark for 25 Financial's model.
• Mariner Wealth Advisors: National RIA providing comprehensive wealth management to HNW individuals and families including alternative investments and tax/estate planning. Comparable to 25 Financial in service breadth and SEC RIA structure, though at significantly greater scale.

Broad incumbents

• Empower: Mass-market retirement and wealth platform (formerly Personal Capital) combining digital advice with human advisors. Relevant peer as a hybrid incumbent shaping fee expectations and digital expectations of HNW and physician clients.
• Edelman Financial Engines: Largest independent RIA serving mass-affluent and HNW clients with comprehensive wealth management. Relevant peer as a scaled fiduciary advisor operating in the same regulatory and competitive arena, though far broader in client base and investment approach.
• Fisher Investments: Large global investment management firm serving HNW private clients. Indirect peer representing the scaled incumbent competitive set in HNW advisory, against whom niche RIAs like 25 Financial compete for HNW investors.

Emerging players

• Facet Wealth: Digital-first RIA serving HNW clients with virtual comprehensive financial planning. Adjacent emerging competitor illustrating the digital-delivery model that erodes location-bound, advisor-led wealth management economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/25Financial
• LinkedInlinkedin.com/company/25-financial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 25 Financial