Citizen Advisory Group

What Citizen Advisory Group does

Citizen Advisory Group LLC is a privately held, independent financial advisory practice headquartered in Perrysburg, Ohio, serving retirees and pre-retirees across Northwest Ohio and Southeast Michigan. Founded in 2007 by brothers Kevin Bucher and Jeff Bucher, the firm began as a grassroots insurance operation before transitioning into holistic retirement advisory. Its core offering integrates retirement planning, estate planning, Medicare guidance, tax services, property and casualty insurance, and lifestyle/community programming under a fiduciary mandate. The firm has no proprietary technology platform; service delivery relies on personal advisory relationships, educational events, and affiliated entities rather than a software product.

The business is structured around three affiliated entities that handle distinct service lines: Advisory Alpha, LLC (an SEC Registered Investment Advisor providing investment advisory and financial planning), Foresight Insurance, LLC (auto, home, and term life insurance), and CAG Tax (tax planning and preparation). Together with a wholly owned tax subsidiary, these entities form an integrated offering spanning 401(k)/IRA management, Social Security optimization, Roth conversions, retirement income strategies, estate planning, Medicare/supplement plans, and long-term care planning. The Retire Well program adds a non-financial community layer — planetarium visits, nature hikes, archery, and wellness events — that is unusual for an advisory practice.

The go-to-market model is event-driven and consultation-based rather than digital self-serve. The firm runs recurring complimentary dinner workshops at local steakhouses and wineries on retirement topics, 'Welcome to Medicare' educational seminars, and Retire Well lifestyle events. Lead generation is supplemented by a published book ('Built to Last'), a Tax Tool Calculator, Retire Well TV, and a light social media presence. Pricing for ongoing advisory services is not publicly disclosed; the firm generates revenue through investment advisory fees, insurance commissions, and tax preparation fees across the affiliated entities. With 1-10 employees and no disclosed funding, the firm operates as a bootstrapped regional practice.

Name

Citizen Advisory Group

Legal name

Citizen Advisory Group LLC

Website

https://citizenadvisory.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Citizen Advisory Group is a privately held, independent financial advisory practice based in Perrysburg, Ohio, serving retirees and pre-retirees across Northwest Ohio and Southeast Michigan with holistic retirement, estate, Medicare, tax, and insurance planning delivered through affiliated entities.

Ownership category

akta.pro rank

Product category

Retirement Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Retirement planning services
• Financial advisory services
• Estate planning services
• Medicare planning
• Tax planning services

Headquarters

HQ city

Perrysburg

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, Infrastructure

Revenue model

1. Investment Advisory Services: Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. The firm acts as an intermediary providing comprehensive retirement planning including 401(k) and IRA management, Social Security optimization, and retirement income strategies.
2. Insurance Services: Property and Casualty Insurance services offered through Foresight Insurance, LLC covering auto, home, and term life insurance. Medicare planning and supplement plans also offered through the healthcare business.
3. Tax Services: Tax services offered through CAG Tax, including tax planning and tax preparation for retirees and pre-retirees.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Citizen Advisory Group is an independent, fiduciary financial advisory practice serving retirees and pre-retirees in Northwest Ohio and Southeast Michigan. Its core offering is holistic retirement planning that integrates investment advisory services (through Advisory Alpha, LLC), tax planning and preparation (through CAG Tax), property & casualty insurance (through Foresight Insurance, LLC), Medicare guidance, and estate planning, complemented by a community-based "Retire Well" lifestyle program.

Product overview

Citizen Advisory Group is a holistic and independent financial advisory practice offering a comprehensive suite of retirement-focused services. The company operates as a unified financial planning practice that combines retirement planning, estate planning, Medicare guidance, tax management, insurance products, and lifestyle preservation. Services are delivered through affiliated entities including CAG Tax (tax planning), Foresight Insurance LLC (property and casualty insurance), and Advisory Alpha LLC (SEC Registered Investment Advisor for investment advisory services). The firm also offers a Tax Tool Calculator for online tax analysis, hosts educational events including Welcome to Medicare seminars and Retirement Planning Workshops covering the '5 Checkpoints of Retirement,' and provides lifestyle programs through the Retire Well initiative. The company was founded by brothers Kevin and Jeff Bucher and serves clients in the Northwest Ohio and Southeast Michigan region.

Differentiator

Problem solved

Functional benefit

Brands

• Retire Well Program: A comprehensive retirement planning program offered by Citizen Advisory Group
• Retire Well TV
• Built To Last Book

Products and services

• Retirement Planning Holistic retirement planning services for retirees and pre-retirees that integrate financial plans with lifestyle goals, including 401(k)/IRA management, guaranteed retirement income strategies, Social Security optimization, and tax-efficient withdrawal planning.
• Estate Planning Estate planning services to help clients structure assets and legacy for transfer to future generations, integrated with the firm's retirement plan.
• Medicare Planning Medicare planning and guidance covering enrollment periods, Medicare supplement plans, prescription drug plans, and plan selection for individuals approaching or in Medicare.
• Tax Planning and Preparation Tax planning and tax preparation services delivered through the affiliated CAG Tax entity, focused on tax-efficient withdrawal strategies, Roth conversions, and defending retiree assets from tax impacts.
• Home, Auto & Commercial Insurance Property and casualty insurance services delivered through affiliated entity Foresight Insurance, LLC, including auto, home, and term life insurance coverage.
• Transitioning To Retirement Planning and advisory services for pre-retirees preparing for the transition into retirement, addressing accumulation, decumulation strategy, and income sources.
• Living In Retirement Ongoing advisory and planning services for retirees to maintain lifestyle and financial stability throughout retirement.
• Planning For The Unexpected Contingency planning services for clients addressing unexpected life events and longevity risks, including long-term care strategies.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Advisory Alpha, LLCcoreTechnology or IntegrationSEC Registered Investment Advisor providing investment advisory and financial planning services. Investment Team members are licensed with Advisory Alpha, LLC. This is the primary investment management partnership through which Citizen Advisory Group delivers investment advisory services to clients.
• Foresight Insurance, LLCcoreChannel Partner/ Reseller/ DistributorSeparate entity providing Property and Casualty Insurance services including auto, home, and term life insurance. Offers insurance products alongside the financial advisory services.
• CAG TaxcoreChannel Partner/ Reseller/ DistributorSeparate entity providing tax services including tax planning and tax preparation. Integral part of the holistic retirement planning approach addressing tax management for retirees.
• Bowling Green State University (BGSU) PlanetariumminorStrategic or Co-development PartnerBGSU Planetarium partnership for 'Retire Well' community events. The firm hosts educational planetarium experiences for clients featuring space exploration presentations.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Fisher Investments: Fisher Investments is a large independent investment management firm with a strong focus on retirement and private-wealth clients. It addresses the same retiree target market as Citizen Advisory Group but operates as a portfolio manager rather than a local holistic advisor.
• Ameriprise Financial: Ameriprise is a large diversified financial services company with a national network of advisors focused on retirement, investment, and estate planning for individuals. It serves the same retiree/pre-retiree segment as Citizen Advisory Group but at significantly broader scale.
• Edelman Financial Engines: Edelman Financial Engines is the largest U.S. independent RIA, with deep retirement-planning and 401(k) advisory capabilities. It competes for the same retiree and pre-retiree segment as Citizen Advisory Group but at a national scale and with employer-plan distribution channels.
• Northwestern Mutual: Northwestern Mutual is a major U.S. financial services firm combining insurance (life, disability, long-term care) with holistic financial planning. It competes for the same retiree and pre-retiree segment that Citizen Advisory Group targets through its integrated insurance-plus-advisory offering.
• Empower (Personal Capital): Empower, including Personal Capital, is a large retirement-focused wealth manager combining 401(k) recordkeeping, advisory services, and digital planning tools for retirees and pre-retirees. It competes with Citizen Advisory Group for the same retirement-planning segment with a hybrid digital-plus-advisor model.

Direct peers

• Cetera Financial Group: Cetera is a financial advisory holding company supporting independent financial professionals who serve retail clients with retirement and wealth planning. Its independent-advisor model is structurally similar to Citizen Advisory Group's RIA-plus-affiliated-entity structure.
• Creative Planning: Creative Planning is one of the largest independent RIAs in the U.S., offering holistic wealth, tax, retirement, and estate planning to individuals. It is directly comparable to Citizen Advisory Group in product mix and target client (retirees and high-net-worth households) but operates at much greater scale.
• Hightower Advisors: Hightower is a national wealth management partnership built from independent RIAs serving high-net-worth and retiree households. It shares Citizen Advisory Group's independent, relationship-led, holistic advisory model, but at a much larger multi-office scale.
• Commonwealth Financial Network: Commonwealth is an independent RIA and broker-dealer supporting holistic financial advisors serving retirees and pre-retirees. It is comparable to Citizen Advisory Group in advisor business model (independent, holistic, retirement-focused) and target client.
• Cambridge Investment Research: Cambridge Investment Research is an independent broker-dealer and RIA supporting financial advisors who deliver holistic retirement, tax, and estate planning to individuals. Its independent-advisor business model parallels Citizen Advisory Group's RIA-plus-affiliated-entity structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/citizenadvisory
• Facebookfacebook.com/citizenadvisory
• LinkedInlinkedin.com/company/citizen-advisory-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Citizen Advisory Group