Enza Financial

What Enza Financial does

Enza Financial is a privately held, full-service financial advisory firm headquartered in Independence, Ohio, operating through three affiliated entities: Enza Financial, LLC (registered investment advisor), Enza Insurance, LLC (licensed insurance agency), and an arrangement with M Holdings Securities, Inc. (registered broker-dealer, FINRA/SIPC) for securities distribution. The firm delivers integrated financial planning, investment advisory, retirement planning, estate planning, life and disability insurance, long-term care, executive benefits, and business succession services to four primary client segments — individuals, executives/professionals, business owners, and ERISA plan sponsors. As a member firm of M Financial Group, Enza has access to the M Exclusive Portfolio of insurance products designed for high-net-worth and corporate clients, which is positioned as a differentiator versus off-the-shelf consumer products.

Revenue is generated through a mix of recurring advisory fees (financial planning, portfolio management, retirement plan consulting), transaction-based securities commissions (routed through M Holdings Securities), insurance commissions on life, long-term care, and disability products, and project-based professional service fees for plan sponsor work such as fiduciary governance, fee analysis, and plan design consulting. Pricing is not publicly disclosed and is established on a per-engagement basis. The go-to-market is sales-led and relationship-driven, with demand generation supported by educational content (the "Enza Essentials" blog, "Healthy, Wealthy, and Whys" podcast, recurring webinars co-marketed with Fidelity, PIMCO, and Capital Group), social media, and community involvement in the Northeast Ohio market.

On the technology side, Enza has limited proprietary technology and no disclosed AI capabilities. The firm developed vEnrollment, a digital participant enrollment and communication tool for retirement plans, and integrates Black Diamond for client wealth reporting and ShareFile for secure document management. Client-facing digital surface area is otherwise limited to financial calculators and resource links. The firm is registered to serve U.S. residents only and is licensed in a limited number of states, with its primary market concentration in Northeast Ohio.

Name

Enza Financial

Legal name

Enza Financial, LLC

Website

https://enzafinancial.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Enza Financial is an Independence, Ohio-based registered investment advisor and insurance agency delivering financial planning, investment advisory, retirement, estate, and insurance solutions to individuals, executives, business owners, and plan sponsors, with exclusive product access via its M Financial Group membership.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

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

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI)

Keywords

• Financial planning services
• Investment advisory services
• Retirement plan consulting
• Wealth management services
• Insurance advisory services

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Enza Financial, LLC is a registered investment advisor providing investment advisory services to individuals, executives, and plan sponsors. Revenue is generated through advisory fees for financial planning, portfolio management, and retirement plan consulting services.
2. Securities Commissions: Securities are offered through M Holdings Securities, Inc., a registered broker-dealer (Member FINRA/SIPC). Revenue is generated through commissions on securities transactions and products sold to clients.
3. Insurance Products and Services: Insurance services are offered through Enza Insurance, LLC, a licensed insurance agency. Revenue is generated through commissions on life insurance, long-term care insurance, disability insurance, and other risk management products.
4. Professional Services: Services include fiduciary governance, investment due diligence, fee analysis, compliance, plan design consulting, and communication services for plan sponsors, generating fees for advisory deliverables.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Enza Financial is a full-service financial advisory firm delivering financial planning, investment advisory, retirement planning, and estate planning services to individuals, executives, business owners, and plan sponsors. Through Enza Financial, LLC (a Registered Investment Advisor) and Enza Insurance, LLC (a licensed insurance agency), the firm bundles life insurance, long-term care, disability, executive benefits, business succession, and fiduciary plan governance offerings. Securities are distributed via M Holdings Securities, Inc., and proprietary tools such as vEnrollment support plan sponsor clients' retirement plan enrollment workflows.

Product overview

Enza Financial is a full-service financial services firm that has evolved to offer integrated financial planning, wealth management, retirement planning, and insurance solutions. The company operates as a platform delivering both advisory services and products, with core offerings including financial and investment advisory, retirement planning (401(k), IRA, Roth accounts), estate planning, life insurance, long-term care, disability insurance, executive benefits, and business succession planning. Digital tools include vEnrollment for retirement plan enrollment, financial calculators, and client portal access. Educational content includes webinars and the Healthy, Wealthy, and Whys podcast. Securities are offered through M Holdings Securities (FINRA/SIPC member), and insurance products include access to the M Exclusive Portfolio of exclusive insurance solutions. The firm serves individuals, executives, plan sponsors, and businesses through offices in Independence, Ohio.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services covering budgeting, saving, investing, and asset protection for individuals, executives, and business owners.
• Investment Advisory Services Professional investment management and advisory services including portfolio construction, asset allocation, and ongoing investment monitoring for individuals, executives, and plan sponsors.
• Retirement Planning Enhanced retirement planning services including 401(k), 403(b), 457 plans, IRA accounts, and retirement income strategies for individuals and executives.
• Estate Planning Estate planning services including will review, trust planning, and wealth transfer strategies for preserving assets across generations.
• Life Insurance Life insurance solutions including term, whole life, universal life, and no-lapse guarantee universal life policies for risk mitigation and wealth preservation, distributed through Enza Insurance, LLC.
• Long-Term Care Long-term care insurance options including traditional LTC, hybrid life/LTC policies, and qualified LTC accelerated benefit riders, distributed through Enza Insurance, LLC.
• Disability Insurance Income protection insurance for individuals and high-income earners to replace lost earnings due to disability, addressing gaps in employer-provided long-term disability plans.
• Executive Benefits Specialized benefits planning for business executives including non-qualified plans, deferred compensation, and executive compensation strategies delivered alongside business owners.
• Succession Planning Business succession planning including buy-sell agreements, stock redemption plans, and ownership transition strategies for business owners.
• Plan Sponsor Services Retirement plan sponsor services including fiduciary governance, investment due diligence, fee analysis, compliance support, and plan design consulting for 401(k) and other retirement plans.
• Wealth Management Comprehensive wealth management services guiding clients through life stages including buying a house, funding education, charitable giving, and retirement income structuring.
• Securities & Brokerage Services Securities offered through M Holdings Securities, Inc., a registered Broker/Dealer (Member FINRA/SIPC), providing brokerage execution and securities product access to Enza clients.
• vEnrollment Digital participant communication and enrollment tool for employer-sponsored retirement plans that delivers guided enrollment experiences with clear education, personalized prompts, and ongoing reminders without adding work for HR.
• M Exclusive Portfolio Exclusive insurance solutions accessed through M Financial Group membership, delivering creative innovation, favorable experience fundamentals, and commitment to in-force management with increased cost savings, higher cash values, and improved flexibility.

Quantifiable outcome

• vEnrollment has received positive early feedback from HR partners, with many seeing time savings, fewer enrollment issues, and a more professional onboarding experience for employees.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• M Financial GroupcoreStrategic or Co-development PartnerEnza Financial is a member firm of M Financial Group, a network of independent financial advisory firms. As a member firm, Enza has access to M's suite of exclusive insurance products (M Exclusive Portfolio) designed for high-net-worth individuals and corporate clients. The partnership provides creative problem-solving, superior support, and access to exclusive product advantages including lower charges, higher cash values, and improved flexibility. Enza has been part of the M Financial Group community since Christine Millen's career beginning.
• M Holdings Securities, Inc.coreChannel Partner/ Reseller/ DistributorSecurities are offered through M Holdings Securities, Inc., a registered broker-dealer and member of FINRA/SIPC. This is the designated channel through which Enza distributes securities products to its clients. Enza Financial, LLC and Enza Insurance, LLC are not affiliated with M Holdings Securities, Inc. and are independently owned and operated, though they work together under the M Financial Group ecosystem.
• Fidelity InvestmentsminorGTM or Marketing PartnerFidelity Investments professionals, including Bradford Pineault (Vice President) and Colin Masters, have been featured as guest speakers on Enza Financial webinars covering capital markets updates and economic outlooks. These collaborations position Fidelity as a thought leadership partner in Enza's educational webinar series.
• PIMCOminorGTM or Marketing PartnerPIMCO professionals, including Aaron Hassinger (Vice President and Account Manager), have been featured as guest speakers on Enza Financial webinars covering capital markets outlook, interest rate trends, and recession expectations. The partnership provides Enza's clients with perspectives from a leading global investment management firm.
• Capital Group / American FundsminorGTM or Marketing PartnerEarnie Niemi, Retirement Plan Counselor at Capital Group/American Funds, has been featured as a guest speaker on Enza Financial's Mid-Year Outlook webinar, providing investment perspectives for retirement plan participants and plan sponsors.
• Westfield BankminorGTM or Marketing PartnerMelissa Haber, Vice President at Westfield Bank, appeared as a guest on the Enza Financial podcast discussing short-term savings strategies. Westfield Bank has grown to $1.9 Billion in assets and serves over 25,000 customers throughout Northeast Ohio. The collaboration focuses on financial education content.
• M Securities / M Financial GroupminorGTM or Marketing PartnerErik Reynolds, Sales Support Director at M Financial Group, has been featured as a guest on Enza Financial webinars discussing income protection solutions for high-income earners and long-term care planning fundamentals, supporting Enza's educational content for executives and plan sponsors.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Buckingham Strategic Partners: RIA and wealth management firm with a focus on evidence-based investment planning, retirement plan consulting, and fiduciary services to plan sponsors. Comparable in service breadth (wealth, retirement, estate) and target client (HNW individuals, corporate executives, plan sponsors).
• Plante Moran Financial Advisors: Wealth management arm of the Plante Moran accounting/consulting firm, serving HNW individuals, business owners, and corporate executives with integrated financial planning, retirement plan consulting, and succession planning. Comparable integrated planning-led RIA model with similar multi-state footprint and B2B plan sponsor practice.
• Modera Wealth Management: Fee-only RIA focused on comprehensive financial planning for HNW individuals, families, and business owners with retirement plan advisory services. Closely aligned model to Enza's financial planning-led RIA approach with similar mid-size firm profile.
• Heirmark: Wealth management and insurance planning firm focused on business owners and HNW families with succession, executive benefit, and key-person insurance specializations. Direct overlap with Enza's principal advisor background (Christine Millen was formerly Vice President at Heirmark) and service emphasis on insurance-integrated planning.
• Sequoia Financial Group: Akron-based RIA with a strong retirement plan / 401(k) advisory practice for plan sponsors plus wealth management for individuals and corporate executives. Directly comparable to Enza in geographic footprint (Ohio), service mix (RIA + plan sponsor consulting), and target segments (executives, business owners, HNW individuals).

Broad incumbents

• Mercer Advisors: National RIA roll-up with strong retirement plan advisory, wealth management, and family-office services. Comparable in plan sponsor/governance and HNW segments but operates at much greater scale via M&A-driven geographic expansion.
• Cetera Financial: National hybrid RIA/broker-dealer network supporting independent financial advisors with retirement plan services, securities, and insurance distribution through affiliated entities. Comparable hybrid RIA + broker-dealer + insurance agency structure via sister entities.
• Edelman Financial: Large wealth management firm historically founded on insurance/annuity-integrated planning for HNW clients, with growing RIA platform and retirement plan services. Closely comparable to Enza's insurance-integrated wealth orientation but at national scale.
• Creative Planning: Large national RIA offering comprehensive financial planning, investment management, estate planning, and corporate services including retirement plan consulting. Operates at materially larger scale than Enza but in the same integrated-wealth space with significant overlap in HNW and executive segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/enzafinancial
• LinkedInlinkedin.com/company/enzafinancial

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Enza Financial