Asset Protection Wealth Management

What Asset Protection Wealth Management does

Asset Protection Wealth Management is a privately-held financial services firm operating through two affiliated Arkansas LLCs — Asset Protection Wealth Management, LLC, a Registered Investment Advisor, and Asset Protection Group, LLC, an insurance agency — founded by Justin E. (Gary) Garrison, Jr. to deliver integrated retirement planning and asset protection to pre-retirees and retirees in Little Rock, Arkansas and surrounding central-Arkansas communities. The service offering spans six functional areas (Enhanced Planning, Life Insurance, Long-Term Care, Insurance Solutions, Asset Allocation & Risk, and Income Planning), delivered through a proprietary five-step methodology called the New Generation Retirement System that covers the accumulation, distribution, and preservation/transfer phases of retirement.

The firm has built a stack of proprietary client-facing tools: the Generational Vault 24/7 client portal for document storage and account access, the Color of Money Risk Analysis proprietary risk-scoring assessment, and the New Generation Retirement System framework itself. These are supplemented by third-party and partner-delivered reports — Morningstar investment analysis and Portfolio Analysis Review through a strategic alliance with Gradient Investments, LLC — and the firm integrates with Orion and Charles Schwab for custody and account access. A separate your401krollovers.com microsite captures pre-retirees at the rollover decision point.

The business model is a hybrid RIA / insurance franchise with revenue from recurring advisory fees on fixed income portfolios, managed mutual funds, ETFs, separately managed accounts, and tax planning, plus insurance commissions on annuities, long-term care, and life insurance. Specific advisory pricing is not publicly disclosed. Go-to-market is educational and non-transactional: regular Good Morning Arkansas "Money Monday" TV segments, Wealth Talk radio programming, seminars, and free complimentary consultations and report deliverables (Financial Overview, Color of Money, Social Security Maximization, Retirement Compass). The team is small (firmographic band 11-50 employees with three named professionals: the founder-president, an office manager, and an administrative assistant), and the firm cites retirees from major regional employers — including Baptist Health, AT&T, Entergy, Farmers Insurance Group, the VA Medical Center, and the Arkansas Public Schools System — as illustrative customers of its individual retirement planning services.

Name

Asset Protection Wealth Management

Legal name

Asset Protection Wealth Management, LLC

Website

https://apwealthmanagement.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Asset Protection Wealth Management is a Little Rock, Arkansas-based Registered Investment Advisor and affiliated insurance agency serving pre-retirees and retirees in central Arkansas. It delivers integrated retirement income planning, insurance solutions, and proprietary analytical tools via an educational, media-led go-to-market.

Ownership category

akta.pro rank

Product category

Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement planning
• Investment advisory
• Wealth management
• Asset protection
• Insurance solutions

Headquarters

HQ city

Arkansas City

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: Asset Protection Wealth Management, LLC is a Registered Investment Advisor offering advisory services including fixed income portfolios, managed mutual funds, exchange traded funds, separately managed accounts, and tax planning. Revenue is generated through advisory fees.
2. Insurance Products and Services: Asset Protection Group, LLC offers insurance products including annuities, long-term care insurance, and life insurance. Revenue is generated through insurance commissions from carriers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Asset Protection Wealth Management is a Registered Investment Advisor that provides retirement income planning and asset protection services to pre-retirees and retirees in central Arkansas. Through affiliated entities, the firm delivers investment advisory services (fixed income portfolios, managed mutual funds, ETFs, separately managed accounts, and tax planning) and insurance products (annuities, life insurance, long-term care), executed via the proprietary New Generation Retirement System methodology.

Product overview

Asset Protection Wealth Management is a full-service retirement planning company offering a coordinated suite of financial services and analytical tools. The core offering consists of six service areas: Enhanced Planning, Life Insurance, Long-Term Care, Insurance Solutions, Asset Allocation & Risk, and Income Planning. These services are delivered through a proprietary New Generation Retirement System methodology. The company also provides digital tools including Generational Vault (client portal) and Color of Money Risk Analysis, along with multiple analytical reports (Financial Overview, Social Security Maximization, Retirement Compass, Morningstar, and Portfolio Analysis Review) that support retirement income planning and investment analysis.

Differentiator

Problem solved

Functional benefit

Products and services

• Enhanced Planning Legacy and estate planning service focused on preserving family harmony and transferring wealth to beneficiaries, including wills, trusts, and powers of attorney, offered to retirees and pre-retirees as part of a coordinated retirement strategy. (Note: the firm does not provide legal advice and refers clients to attorneys.)
• Life Insurance Life insurance products offering death benefits, tax-advantaged cash value growth, and potential chronic/terminal illness acceleration riders, designed to provide financial protection for policyholders' loved ones and to serve as a flexible financial tool for retirement planning.
• Long-Term Care Planning services for funding long-term care through various insurance solutions including life insurance and annuity policies with enhanced benefits for impairment, helping clients prepare for potential long-term care needs during retirement.
• Insurance Solutions Bundle of fixed and fixed indexed annuities, life insurance, long-term care, health insurance, and Medicare supplements designed to protect retirement income and assets, balancing risk aversion with reliable income.
• Asset Allocation & Risk Retirement income strategies that analyze an individual's mix of assets—including bank accounts, pension, Social Security, estate plans, taxes, and insurance—and integrate them into a coordinated retirement income plan for clients in Little Rock, AR and surrounding communities.
• Income Planning Retirement income planning service that navigates the three phases of retirement (accumulation, distribution, and preservation/transfer) and uses tax-advantaged vehicles such as traditional IRAs, Roth IRAs, 401(k)s, and IRA rollovers to help clients accomplish their retirement income goals.
• New Generation Retirement System Proprietary five-step retirement planning methodology guiding clients through Choosing a Financial Professional, Fact and Feeling Finding, Strategy, Recommendations and Implementation, and Ongoing Relationships, incorporating multiple analytical reports as hallmarks of fiduciary, transparency, and technology principles.
• 401k Rollovers Service assisting clients with rolling over 401(k) and other employer-sponsored retirement plan balances into IRAs or other retirement income vehicles as part of retirement income planning.

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Gradient Investments, LLCcoreTechnology or IntegrationStrategic alliance with Gradient Investments, LLC for portfolio management services. The partnership provides clients with access to Gradient's proprietary Portfolio Analysis Review (PAR) process, multi-billion-dollar portfolio management expertise, and institutional-quality investment analysis. Gary Garrison presented at the 2026 Gradient Summit in Scottsdale, indicating a significant ongoing relationship.
• Michael Binger, CFAminorOthersPresident of Gradient Investments, LLC with 35+ years of industry experience. CFA charter holder and frequent contributor on CNBC, Fox Business, Barron's, and Wall Street Journal. Represents the Gradient Investments partnership.
• Keith Gangl, CFAminorOthersSenior Portfolio Manager at Gradient Investments with 30+ years of experience. CFA charter holder who managed a Lipper Award-winning mutual fund and has been featured in CNBC, Bloomberg, Investor's Business Daily, Nasdaq and Reuters.
• Kyle Bergacker, CFAminorOthersPortfolio Manager at Gradient Investments with 15+ years of experience. CFA charter holder with experience at large international institutional asset management firms and retail wealth advisory firms.
• Kris Boyd (Attorney)minorImplementation/ SI/ Consulting PartnerEstate planning attorney providing legal guidance on wills, trusts, powers of attorney, living wills, and guardianships. Featured in Little Rock Family and AY magazines, and on radio shows The Family Money Show and The David Lukas Show.
• John F. Hughes (Fred)minorChannel Partner/ Reseller/ DistributorIndependent health insurance advisor specializing in Medicare plans and health insurance for Medicare-eligible clients. Previously a captive agent and now serves clients with personal experience navigating Medicare.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Plancorp: Fee-only RIA offering retirement income planning, tax, and estate planning for high-net-worth individuals. Comparable in retirement-income focus and integrated planning approach, though larger and broader in scope than APWM.
• Halbert Hargrove: Boutique, fee-only RIA specializing in retirement and wealth management for individuals and families, primarily in the western U.S. Highly comparable in business model, size, retirement focus, and planning-led service; relevant as a small-scale RIA peer.
• Edelman Financial Engines: Large national RIA with a strong retirement-income and wealth-management focus serving individual households. Highly comparable as a fee-based RIA targeting mass-affluent and retiree clients with a planning-led methodology, though operating at much greater scale than APWM.
• Creative Planning: Registered Investment Advisor providing comprehensive wealth management, retirement planning, and tax services to individuals nationwide. Comparable business model and retirement-income focus, with an integrated fee-and-insurance-adjacent offering and proprietary planning tools.
• Buckingham Strategic Wealth: RIA focused on evidence-based retirement and financial planning for households, with an emphasis on fiduciary advice and proprietary research. Comparable in targeting pre-retirees and retirees with planning-led engagement, though national in scale.
• Carson Group: RIA and advisor-platform firm offering retirement-income planning, wealth management, and insurance solutions to individuals and families. Comparable in serving the retiree segment with an integrated advisory-plus-insurance offering and proprietary planning frameworks.

Broad incumbents

• LPL Financial: Largest U.S. independent broker-dealer and RIA custodian supporting thousands of independent advisors. Comparable as the broad incumbent platform on which many independent RIAs (including potentially APWM via Schwab/Orion integrations) build retirement-focused practices.
• Ameriprise Financial: National diversified financial services firm combining investment advisory, retirement planning, and insurance products for individuals. Comparable as a broad incumbent with an integrated advisory-plus-insurance model serving retiree households at much greater scale.
• Vanguard Personal Advisor Services: Large-scale, low-fee advisory service for retail and retiree investors offered by Vanguard. Comparable broad incumbent RIA competing for the same retiree household with a much larger asset base and lower fee structure.
• Charles Schwab Personal Advisor Services: Schwab's managed-account and advisory program serving individual investors with retirement planning. Comparable as a broad incumbent RIA offering retirement-focused advice; APWM already uses Schwab for custody, signaling overlap in target clientele.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/apwm_llc
• Facebookfacebook.com/apwmllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Asset Protection Wealth Management