The Terrio Group

What The Terrio Group does

The Terrio Group is a privately held, boutique financial services firm founded in 2008 by Michael Terrio and headquartered in Port St. Lucie, Florida, with a second office in Stuart, Florida. It operates as an independent Registered Investment Advisor, with investment advisory services delivered through Motiv8 Investments LLC, an SEC-registered Investment Adviser, and client assets custodied at TD Ameritrade Institutional. The firm employs 1-10 people and serves a horizontal mix of individual clients: primarily pre-retirees and retirees, families and individuals seeking holistic planning, and a secondary segment of military personnel served through Yellow Ribbon Events. Its core offerings span six service lines — Financial Planning, Investment Management, Tax Planning, Retirement Planning, Annuities & Life Insurance, and Estate Conversion — delivered under a fiduciary, fee-based advisory model rather than commissions, supported by a complimentary risk-assessment lead entry point.

The firm's core intellectual property is the proprietary "8 Elements of Financial Control" methodology developed by founder Michael Terrio, which structures an evaluate-investigate-educate-activate client workflow across income, emergency funding, asset building, estate protection, legacy enhancement, and tax planning. This methodology is paired with the T-Money Wealth Management System, an in-house client-facing platform providing 24/7 online access to consolidated account information, spending tracking, performance alerts, and advisor communication. Distribution is advisor-led: licensed financial advisors deliver personalized plans through scheduled in-office consultations, with lead generation driven by recurring local TV appearances (WPTV, WFLX FOX 29, WPEC CBS 12, WPBF), community seminars, blog content, and Facebook/LinkedIn activity.

The business model is fee-based advisory recurring revenue, with billing handled through Stripe and custody/advisory infrastructure outsourced to TD Ameritrade Institutional and Motiv8 Investments LLC. The firm has not raised external capital, has no parent company, no disclosed funding rounds, and no M&A activity in the source material. Revenue, AUM, and customer counts are not publicly disclosed, and the firm's strategic posture to date is consistent with a stable, founder-led boutique practice rather than a scaling platform.

Name

The Terrio Group

Legal name

Motiv8 Investments, LLC

Website

https://theterriogroup.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

The Terrio Group is a privately held, boutique independent Registered Investment Advisor founded in 2008 in Port St. Lucie, Florida, delivering fee-based retirement income, financial planning, investment management, tax planning, annuities, and estate services to pre-retirees, retirees, families, and military clients on the Florida Treasure Coast.

Ownership category

akta.pro rank

Headquarters

HQ city

Port St. Lucie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Investment Advisory Fees: As a fee-based advisory firm, The Terrio Group charges clients a fee instead of earning commissions on product sales. This model helps ensure appropriate products are chosen based on the client's best interest rather than commission generation. The firm is an independent Registered Investment Advisor.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

The Terrio Group is a financial advisory firm that provides retirement planning, investment management, tax planning, estate conversion, annuities and life insurance, and comprehensive financial planning services to individuals and families. The firm operates on a fee-based advisory model and uses a proprietary analytical framework, the T-Money system, to guide retirement income and investment decisions.

Product overview

The Terrio Group is a financial services firm offering a comprehensive suite of wealth management services centered around their proprietary '8 Elements of Financial Control' methodology. The firm operates as an independent Registered Investment Advisor providing six core service offerings: Financial Planning, Investment Management, Tax Planning, Retirement Planning, Annuities & Life Insurance, and Estate Conversion. The T-Money Wealth Management System serves as their proprietary digital platform supporting client account monitoring and advisor communication. Services are delivered through a fee-based advisory model with fiduciary obligations to act in clients' best interests, with assets custodied through TD Ameritrade Institutional.

Differentiator

Problem solved

Functional benefit

Brands

• T-Money: The T-Money Wealth Management System provides up-to-the-minute information on accounts, tracks spending, and offers valuable reports for monitoring investment progress.

Products and services

• Retirement Planning Retirement income and distribution planning service for individuals and families approaching or in retirement.
• Investment Management
• Tax Planning
• Estate Conversion
• Annuities and Life Insurance
• Financial Planning

Quantifiable outcome

• Clients reportedly walk away with renewed confidence in their financial resources and strategies

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Motiv8 Investments LLCcoreTechnology or IntegrationInvestment advisory services provided by Motiv8 Investments LLC, an SEC-registered Investment Adviser. The Terrio Group operates under this registered advisor entity for investment management and advisory services.
• TD Ameritrade InstitutionalcoreTechnology or IntegrationTD Ameritrade Institutional (Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA) provides custody services for client assets. The firm is used to custody client investments as part of the advisory relationship.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Fisher Investments: Large independent investment management firm providing personalized portfolio management and retirement planning to high-net-worth and individual investors. Comparable RIA-style model targeting retirees and pre-retirees with personalized investment strategies, though significantly larger AUM.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting independent financial advisors and RIAs with custody, technology, and compliance infrastructure. Comparable in serving independent advisors delivering retirement and wealth management to individuals, but at an institutional scale.
• Edelman Financial Engines: Largest independent RIA in the U.S., offering fee-based financial planning, investment management, and retirement income strategies to individuals and families nationwide. Comparable as a fee-only fiduciary RIA serving the same pre-retiree and retiree segments, though at vastly greater scale.
• Northwestern Mutual Advisors: Major U.S. financial services firm with a captive advisor network offering financial planning, retirement, life insurance, and investment management. Comparable in bundling retirement planning with life insurance and annuities for individual clients, though as a much larger incumbent.
• Ameriprise Financial Advisors: Large diversified financial services company with a national network of franchise financial advisors offering financial planning, retirement, and investment management. Comparable in delivering advisor-led retirement income and financial planning to individuals, though at much greater scale.

Direct peers

• Cambridge Investment Research: Independent broker-dealer and RIA support firm enabling independent financial advisors to deliver holistic financial planning, retirement, and wealth management services. Directly comparable in supporting independent RIA-style practices serving individuals with personalized planning and investment advice.
• Cetera Advisor Networks: Independent broker-dealer and RIA support platform serving individual financial advisors and small advisory firms. Directly comparable as a hybrid RIA/brokerage structure supporting independent advisors offering financial planning, retirement, and investment services to individuals.
• Commonwealth Financial Network: Independent broker-dealer and RIA platform supporting thousands of financial advisors across the U.S. Directly comparable in supporting independent advisor practices offering holistic financial planning, retirement, and wealth management to individual clients.
• Creative Planning: Large independent RIA providing comprehensive wealth management, financial planning, tax, and estate services to individuals and families. Directly comparable as a fee-based RIA offering holistic financial planning and investment management to pre-retirees and retirees, with overlapping service categories.

Emerging players

• Personal Capital (now Empower Personal Dashboard): Hybrid digital wealth management firm combining robo-advisor technology with human advisor access for retirement and investment planning. Comparable in targeting affluent pre-retirees and retirees with fee-based financial planning and investment management, but with a tech-led delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/theterriogroup
• LinkedInlinkedin.com/company/the-terrio-group
• Xx.com/theterriogroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 The Terrio Group