Pacific Financial Solutions

What Pacific Financial Solutions does

Pacific Financial Solutions is a private, fee-based financial advisory firm headquartered in Kirkland, Washington, founded in 2000 with 51-100 employees. The firm specializes in Medicare insurance distribution and retirement financial planning, serving primarily seniors (65+) and dual-eligible beneficiaries across Washington state. Its core offerings include Medicare Advantage (Part C), Medicare Supplement (Medigap), Prescription Drug Plans (Part D), Dual-Eligible Special Needs Plans (D-SNP), Life Insurance, and Financial Assistance Program navigation, distributed through a network of seven major insurance carrier partnerships (United Healthcare, Aetna, Aflac, Humana, Mutual of Omaha, Cigna, DevotedHealth).

The firm operates a free, advisor-led service model where licensed Medicare advisors conduct one-on-one plan assessments, cost-saving analyses, and enrollment support. Investment Advisory Services are delivered through a non-affiliated strategic relationship with South Cove Financial, LLC, a Registered Investment Advisor, with Pacific Financial Solutions acting as the client-facing representative under a fiduciary standard. Marketing is driven by a content-led top-of-funnel (Medicare 101 library, educational videos, financial glossary, Medicare.gov resource curation) combined with mid-funnel free workshops and bottom-f funnel phone-based advisory consultations. Technology is described as standard web infrastructure for lead capture and client communication, with no disclosed proprietary platform or AI capabilities.

Revenue is generated through two primary streams: (1) insurance product commissions from Medicare Advantage, Supplement, Part D, life insurance, and related carrier products distributed through advisory relationships, and (2) fee-based investment advisory revenue routed through South Cove Financial under a fiduciary standard that precludes trading commissions. Plan pricing to clients is identical whether they enroll independently or with the firm's assistance, and advisory services are provided at no charge to consumers, making the economics commission- and fee-driven rather than subscription-based. The firm serves a long-tail of individual consumers and small business owners, with no disclosed enterprise contracts or institutional clients.

Name

Pacific Financial Solutions

Legal name

Pacific Financial Solutions

Website

https://pacificfinancialsolutions.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

Pacific Financial Solutions is a Kirkland, WA-based independent financial advisory firm (founded 2000) that distributes Medicare insurance products and provides fee-based retirement financial planning to seniors and dual-eligible beneficiaries, primarily in Washington state.

Ownership category

akta.pro rank

Product category

Financial Advisory and Medicare Insurance Services

NAICS

Direct Health and Medical Insurance Carriers (524114), Portfolio Management and Investment Advice (523940)

SIC

Hospital & Medical Service Plans (6324), Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Medicare Advantage (MA) Plans (FSAIAGAA)

akta.pro secondary industries

MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG), Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

Keywords

• Medicare advisory services
• Financial planning services
• Insurance product distribution
• Retirement income planning
• Medicare Advantage plans

Headquarters

HQ city

Kirkland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Investment Advisory Services: Pacific Financial Solutions operates as fee-based financial advisers who do not receive trading commissions for offering specific investment advice. As Investment Adviser Representatives held to a fiduciary standard, recommendations are based solely on client needs. The firm is not tied to particular companies or product groups.
2. Insurance Products Distribution (Medicare): Free Medicare advisory services provided to clients. Whether clients enroll on their own or with company assistance, plan pricing remains the same. Revenue appears to be generated through commissions from insurance product sales (Medicare Advantage, Supplement, Part D, Life Insurance) rather than direct client fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Pacific Financial Solutions distributes Medicare insurance products (Medicare Advantage, Medicare Supplement, Part D, and Dual-Eligible Special Needs Plans) alongside life insurance from multiple national carriers through licensed Medicare advisors who provide free one-on-one consultations and plan comparisons. The firm also delivers fee-based investment advisory and comprehensive financial planning services covering tax, estate, income, and investment strategies, with Investment Advisory Services executed through South Cove Financial, LLC.

Product overview

Pacific Financial Solutions is a comprehensive financial advisory firm that offers Medicare insurance products and financial planning services. Their core Medicare product portfolio includes Medicare Advantage (Part C), Medicare Supplement (Medigap), Prescription Drug Plans (Part D), and Dual-Eligible Special Needs Plans (D-SNP), which they offer alongside life insurance and financial assistance programs. The firm also provides fee-based investment advisory services including financial planning, investment advisory, and estate planning through licensed Investment Adviser Representatives operating under a fiduciary standard. Their services are designed to help seniors navigate Medicare options with free advisory consultations from licensed advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Advantage (Part C) All-in-one Medicare alternative offered through partner private insurers that bundles hospital insurance, medical insurance, and often prescription drug coverage with additional benefits such as dental, vision, and hearing, distributed to Medicare-eligible clients through licensed Pacific Financial Solutions advisors.
• Medicare Supplement (Medigap)
• Prescription Drug Plans (Part D)
• Dual-Eligible Special Needs Plans (D-SNP)
• Life Insurance
• Financial Assistance Programs
• Investment Advisory Services
• Medicare Advisory Services

Named customers4 records

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

Eight partnerships are on record, tiered core.

• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor Medicare insurance provider offering Medicare Advantage, Supplement, and related health coverage products through Pacific Financial Solutions advisory services.
• AetnacoreChannel Partner/ Reseller/ DistributorMedicare insurance provider offering Advantage and related health plans distributed through Pacific Financial Solutions advisors.
• AflaccoreChannel Partner/ Reseller/ DistributorInsurance provider offering supplemental insurance products including life insurance and Medicare-related coverage distributed through Pacific Financial Solutions.
• HumanacoreChannel Partner/ Reseller/ DistributorMedicare insurance provider offering Advantage plans and related health coverage products through Pacific Financial Solutions.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorMedicare Supplement and life insurance provider offering products through Pacific Financial Solutions advisory channel.
• CignacoreChannel Partner/ Reseller/ DistributorMedicare insurance provider offering health coverage plans including Advantage and Part D through Pacific Financial Solutions.
• DevotedHealthcoreChannel Partner/ Reseller/ DistributorMedicare Advantage provider offering specialized plans distributed through Pacific Financial Solutions advisors.
• South Cove Financial, LLCcoreStrategic or Co-development PartnerRegistered Investment Advisor providing Investment Advisory Services to Pacific Financial Solutions clients. Pacific Financial Solutions represents clients while South Cove Financial provides investment advisory infrastructure. The companies are not affiliated but maintain a strategic relationship for service delivery.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HealthPlanOne: Medicare insurance broker/advisory firm that provides free plan comparisons and licensed agent support for seniors across multiple carriers, mirroring Pacific Financial Solutions' core advisory offering.
• GoHealth: Medicare-focused health insurance marketplace with licensed agents that compares plans across carriers, addressing the same SMB/individual senior segment via a multi-carrier advisory experience.
• SelectQuote: Public, multi-carrier Medicare insurance marketplace that compares Advantage, Supplement, and Part D plans from major carriers, operating at national scale vs. PFS's regional advisory model.
• eHealth: Online Medicare insurance broker and marketplace offering carrier-comparison and licensed advisory for seniors, directly overlapping with Pacific Financial Solutions' core distribution and advisory motion.
• Bankers Life: Insurance and financial services firm targeting seniors with Medicare Supplement, life, and retirement income products via a captive agent model, comparable in customer segment and product mix.

Broad incumbents

• Humana: Major Medicare Advantage insurer and Pacific Financial Solutions carrier partner; operates its own agent and member advisory channels targeting the same senior segment.
• Mutual of Omaha: Medicare Supplement and life insurance carrier partner of Pacific Financial Solutions; distributes through independent agents and direct channels serving the same senior market.
• Aetna (CVS Health): National Medicare Advantage and Part D carrier partnered with Pacific Financial Solutions; offers direct Medicare sales channels that partially overlap with PFS's distribution role.
• UnitedHealthcare: Largest Medicare Advantage carrier and a key Pacific Financial Solutions partner; also operates direct-to-consumer Medicare sales channels that overlap with PFS's customer base.

Emerging players

• RetireGuide: Educational and lead-generation platform for Medicare and retirement planning with a comparable senior target audience, though lighter on the licensed advisory and product distribution side.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/pacific-financial-holdings

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 Pacific Financial Solutions