Carroll Advisory

Retirement Planning Advisorycarrolladvisory.com

Company typePrivate
Founded2010
HeadquartersTexarkana, United States
Headcount1–10
GTM typeB2C
OfferingServices

Carroll Advisory firmographics

Firmographics

Name: Carroll Advisory
Legal name: Carroll Advisory Group, LLC
Website: https://carrolladvisory.com
Company type: Private
Founded year: 2010
Operating status: Operating
Headcount range: 1–10 employees
Ownership category
akta.pro rank

Carroll Advisory industry classification

Industry

Product category: Retirement Planning Advisory
NAICS: Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)
SIC: Investment Advice (6282)
akta.pro primary industry: Retirement Income Planning & Decumulation Advisory (FSAEABAD)
akta.pro secondary industries: Fee-Based Advisory (FSAEAAAM), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

Retirement planning
Wealth management
Flat fee advisory
Investment management
Financial planning

Where Carroll Advisory is headquartered

Location

Headquarters

HQ city: Texarkana
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Carroll Advisory business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

Comprehensive Engagement (Flat Annual Fee): One flat annual fee of $12,500 (2026), increasing 3% annually, covering all planning and investment management services including unlimited access to the team, annual alignment meeting, Retirement Roadmap update, year-end review, and Client Care Continuum. No trading commissions or hidden fees. Fees deducted monthly from accounts at Charles Schwab.
One-Time Planning Engagement: Flat fee of $3,500 for a comprehensive retirement income plan delivered once, with 30-day window for scenario revisions. Includes deep-dive analysis of withdrawal strategies, Social Security filing options, and Roth conversions. Does not include ongoing management.
Alternative Fee Structure (Assets $500K-$1M): For clients with investable assets between $500,000 and $1,000,000 who do not meet the flat fee threshold, an alternative fee of 1% of AUM is offered.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Comprehensive Engagement — households with $1M-$12M in investable assets
One time/ perpetual license	Pay-as-you-go	One-Time Planning Engagement — comprehensive retirement plan without ongoing management
Subscription	Annual	Alternative fee — clients with $500K-$1M in investable assets

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Carroll Advisory product offering

Product offering

Core offering

Carroll Advisory Group provides flat-fee retirement planning and investment management services to individuals with $1M–$12M in retirement savings. The firm offers a comprehensive ongoing engagement ($12,500/year) and a one-time planning engagement ($3,500), delivering a proprietary Retirement Roadmap covering withdrawal sequencing, Social Security timing, Roth conversion planning, and tax-efficient investment management using low-cost ETFs held at Charles Schwab.

Product overview

Carroll Advisory Group is a flat-fee financial advisory firm offering two primary service tiers. The One-Time Planning Engagement ($3,500) provides a standalone retirement income plan (The Carroll Advisory Retirement Roadmap™) for self-implementing clients. The Comprehensive Engagement ($12,500/year for 2026) is an ongoing advisory partnership combining the Retirement Roadmap with investment management, tax-efficient portfolio rebalancing, and a structured client service calendar featuring the Annual Alignment Meeting™, Year-End Review™, and Client Care Continuum™. The firm also provides free tools including an Advisory Fee Comparison Calculator and hosts the Big Picture Retirement Podcast and Social Security Intelligence Blog as educational content.

Differentiator

Problem solved

Functional benefit

Products and services

Comprehensive Engagement Long-term ongoing advisory partnership for households with $1M–$12M in investable assets. Includes retirement planning, investment management with allocation, rebalancing, and tax efficiency, annual strategy meetings, quarterly updates, the Retirement Roadmap, Annual Alignment Meeting, Year-End Review, and Client Care Continuum. Fee is $12,500/year for 2026.
One-Time Planning Engagement Flat-fee comprehensive retirement income plan for clients who prefer to monitor and implement independently. Includes withdrawal sequencing strategy, Social Security filing optimization, Roth conversion analysis, 3-6 scenario comparisons, and a 25-45 minute video walkthrough. Fee is $3,500 flat with a 30-day revision window.
Advisory Fee Comparison Calculator Free online calculator allowing prospective clients to compare flat-fee versus percentage-of-assets fee structures over a selected time period, showing face-value fee comparison and real fee comparison factoring in investment growth.
Free Retirement Clarity Consultation No-obligation initial consultation to explore whether the firm's services align with prospective clients' retirement planning needs. Conducted by phone, Zoom, or in-person.

Quantifiable outcome

Clients with $3M portfolio save approximately $836,544 in fees over 25 years vs. 1% AUM advisors, resulting in $1,766,041 higher ending account balance
+1 more outcomes

Companies that use Carroll Advisory

Customer profile

Named customers6 records

Segments1 record

Ideal customer profiles2 records

Carroll Advisory technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Carroll Advisory partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Charles SchwabcoreOthersCharles Schwab serves as the third-party custodian for all client assets. Fees are billed monthly through Schwab and deducted directly from client accounts. The firm uses Schwab's platform for account management, trade execution, and account statements. This custodial relationship is central to the firm's operational infrastructure.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Carroll Advisory competitors and assessment

Company assessment

Emerging players

Wealthsimple: Wealthsimple is a hybrid digital wealth and financial planning platform serving mass-affluent investors - an emerging player in flat-fee, planning-led retirement advisory competing for similar household segments.
Betterment: Betterment is a leading robo-advisor and digital wealth platform increasingly expanding into human-advisor services and retirement planning - an emerging player overlapping with Carroll Advisory's retirement-income focus.

Direct peers

Facet Wealth: Facet Wealth is a flat-fee, virtual RIA serving mass-affluent and retiree households with comprehensive financial planning - the closest direct competitor to Carroll Advisory's flat-fee, virtual, planning-led model.
Ellevest: Ellevest is a flat-fee financial planning and investment platform with a strong content/brand presence targeting pre-retirees and retirees, closely comparable to Carroll Advisory's content-driven, planning-led approach.

Broad incumbents

Edelman Financial Engines: Edelman Financial Engines is one of the largest US RIAs with deep specialization in retirement plan participant advice and decumulation - the dominant incumbent in the exact retirement-income category Carroll Advisory serves.
XY Planning Network: XY Planning Network is a network of fee-only, flat-fee financial advisors serving mass-affluent and retiree clients with comprehensive planning - a broad incumbent ecosystem that competes for the same flat-fee, planning-led customer.
Schwab Wealth Advisory: Schwab Wealth Advisory (and Schwab Intelligent Portfolios) is a hybrid digital/robo offering from the firm's own custodian, providing retirement-focused planning at lower cost points - a broad incumbent pressing on Carroll Advisory's flat-fee value proposition.

Others

Boldin (formerly NewRetirement): Boldin is a retirement-planning software platform that enables DIY retirees to build withdrawal, Social Security, and Roth conversion plans - an adjacent/ecosystem player whose tools overlap with Carroll Advisory's Retirement Roadmap methodology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Carroll Advisory financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Carroll Advisory leadership team

Management profile

Number of profiles

Profiles1 record

Carroll Advisory funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Carroll Advisory M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Carroll Advisory

What does Carroll Advisory do?

Is Carroll Advisory a public or private company?

Carroll Advisory is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Carroll Advisory founded?

Carroll Advisory was founded in 2010. It employs 1 to 10 people.

Where is Carroll Advisory based?

Carroll Advisory is headquartered in Texarkana, United States, in the North America region.

How does Carroll Advisory make money?

Three revenue lines are on record. Comprehensive Engagement (Flat Annual Fee) is the primary driver. The others are one-Time Planning Engagement and alternative Fee Structure (Assets $500K-$1M).

Who are Carroll Advisory's main competitors?

Emerging players on record are Wealthsimple and Betterment. Direct peers are Facet Wealth and Ellevest. Broad incumbents are Edelman Financial Engines, XY Planning Network and Schwab Wealth Advisory. Boldin (formerly NewRetirement) is listed as an others.

Does Carroll Advisory have an API?

No public API is recorded for Carroll Advisory.

What industry is Carroll Advisory in?

Carroll Advisory's product category is Retirement Planning Advisory. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAEAAAM, Fee-Based Advisory. Its NAICS code is 52394 and its SIC code is 6282.