What CFG Wealth Management does

CFG Wealth Management is an independent, fee-based financial advisory firm founded in March 2002 in San Diego, California, and operating today as Coghlan Financial Group, Inc. d/b/a CFG Wealth Management. The firm provides retirement planning, investment management, estate coordination, and insurance advisory services, with a deliberate vertical focus on employees and retirees of ten named Fortune 500 and government-adjacent employers: SDG&E/Sempra Energy, Northrop Grumman, Raytheon Technologies, AT&T, General Atomics, General Dynamics, Solar Turbines, Qualcomm, Verizon, and Hewlett Packard. Client engagement is structured around dedicated MyCompany program landing pages, a three-step Understand/Plan/Guide process, a client login portal, and recurring events including an annual Market Insight series, company-specific seminars, and client appreciation gatherings. The firm operates from three physical offices in San Diego (headquarters), Los Angeles (US Bank Tower), and Phoenix (Central Plaza), and is registered to offer services in 18 U.S. states.

The firm's core deliverable is the Retirement Planning Review (RPR), a 30-page personalized retirement report assembled manually for each client covering income projections, Social Security and pension modeling, retirement income and goal planning, and actionable strategic recommendations. Supporting tools include a complementary Tolerisk portfolio analysis (a risk-tolerance and allocation-gap diagnostic), a 401(k) Allocation Analysis tied to employer-sponsored benefit platforms, and a Brokerage Window Management service for clients with self-directed brokerage options inside corporate 401(k) plans. The technology stack is intentionally third-party: there is no proprietary platform, mobile application, API, or SDK disclosed; client account access is delivered through the MyStreetScape portal hosted at mystreetscape.com, and Tolerisk is integrated via a dedicated URL on the Investments page.

Revenue is generated predominantly through fee-based investment advisory services, with securities and investment advisory activities routed through Osaic Wealth, Inc. (Registered Broker/Dealer, FINRA/SIPC member). Specific fee schedules, percentage-of-AUM rates, and AUM totals are not publicly disclosed. Lead generation combines company-specific seminars, the MyCompany employer landing pages, earned-media placements (Fortune, WSJ, Kiplinger's, Bloomberg Businessweek, Forbes, Financial Advisor Magazine, San Diego Magazine), a client referral program, and organic social presence on Facebook and LinkedIn. CFG describes itself as ranking among the top advisory groups within Osaic out of more than 11,000 advisors, a positioning it uses as a credibility signal across its marketing channels.

Name

CFG Wealth Management

Legal name

CFG Wealth Management

Website

https://cfgwmt.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

CFG Wealth Management is an independent, fee-based financial advisory firm founded in 2002, providing retirement planning, investment management, estate, and insurance services to employees of ten named Fortune 500 employers across California, Arizona, and 16 additional U.S. states.

Ownership category

akta.pro rank

Product category

Retirement and Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement planning services
• Investment advisory
• Wealth management
• Estate planning
• Financial planning advisory

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Investment Advisory Services: CFG Wealth Management operates predominantly on a fee-based advisory model. Securities and investment advisory services are offered through Osaic Wealth, Inc. (Registered Broker/Dealer, Member FINRA/SIPC). The firm transitioned from a commission-based model to a fee-based approach to provide objective, non-proprietary recommendations. Fee structures may include a percentage of assets under management and/or flat planning fees. The firm is described as placing among the top-ranked advisory groups within Osaic out of more than 11,000 advisors.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

CFG Wealth Management provides fee-based, independent retirement planning, investment management, estate planning, and insurance advisory services to individuals and families. The firm's signature deliverable is a personalized 30-page Retirement Planning Review, complemented by a Tolerisk Portfolio Analysis, with a specific focus on employees and retirees of select large corporate employers (SDG&E, Northrop Grumman, Raytheon, AT&T, General Atomics, General Dynamics, Solar Turbines, Qualcomm, Verizon, Hewlett Packard). Securities and investment advisory services are offered through Osaic Wealth, Inc.

Product overview

CFG Wealth Management is a financial advisory firm offering a unified suite of financial planning and wealth management services centered on retirement planning, investment management, estate planning, and insurance. The core offering is the Retirement Planning Review (RPR) — a personalized 30-page retirement planning analysis — supported by the Tolerisk Portfolio Analysis tool for investment risk evaluation. The firm also provides a Brokerage Window Management service for clients with self-directed 401(k) brokerage windows through employer plans. Services are delivered through a four-step advisory process (Understand, Plan, Guide) and include dedicated Corporate Retirement Services (MyCompany Program) tailored for employees of select partner organizations including SDG&E, Northrop Grumman, Raytheon Technologies, AT&T, General Atomics, General Dynamics, Solar Turbines, Qualcomm, Verizon, and Hewlett Packard. The firm also offers educational seminars and client events as a client engagement and education tool.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Retirement planning guidance covering savings strategy evaluation, income planning, investment review, Social Security optimization, and financial goal mapping, primarily for employees and retirees of select large corporate employers.
• Investment Management Portfolio construction and ongoing management including asset allocation, investment selection across ETFs, mutual funds, stocks, and bonds, with portfolio monitoring and adjustments aligned to client goals, risk tolerance, and timeline.
• Estate Planning Estate planning coordination including Living Trust setup, Pour-Over Will, and Health Care Directive, delivered in coordination with a trusted local attorney network.
• Insurance Insurance coverage review and strategy including term life, whole and universal life, long-term care, variable universal life, and custom solutions across multiple top-rated carriers.
• Corporate Retirement Services (MyCompany Program) Dedicated financial planning and retirement advisory services tailored for employees and retirees of select partner organizations, including SDG&E/Sempra Energy, Northrop Grumman, Raytheon Technologies, AT&T, General Atomics, General Dynamics, Solar Turbines, Qualcomm, Verizon, and Hewlett Packard.

Quantifiable outcome

• Over two decades of operation since 2002 with a client retention track record evidenced by testimonials spanning nearly 20 years.
• +1 more outcomes

Named customers10 records

Segments1 record

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

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fisher Investments: Large incumbent RIA managing discretionary portfolios for individuals and institutions — overlapping investment management and retirement-income client base, though with a much larger AUM and broader institutional footprint.
• Cetera Financial Group: Independent broker-dealer network supporting thousands of financial advisors offering fee-based retirement and wealth planning — analogous to CFG's relationship with Osaic Wealth at a much larger scale.
• Hightower Advisors: Large, established RIA partnership platform serving high-net-worth and mass-affluent clients with retirement and wealth planning — a broader incumbent with comparable fee-based services but a partnership-driven, multi-office structure.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting independent financial advisors with fee-based retirement and wealth management services — directly comparable platform structure to CFG's broker-dealer-aligned model.

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based investment management and financial planning for individuals and retirees — closely matches CFG's recurring-fee advisory model and retirement-income orientation.
• Carson Wealth: RIA and wealth management firm serving individuals and families with retirement, investment, and estate planning services — comparable holistic planning model and similar advisor-led client relationship structure.
• Mariner Wealth Advisors: National fee-only RIA providing retirement income planning, investment management, estate planning and insurance — overlapping service mix, similar clientele, and similar high-touch planning deliverable model.
• Edelman Financial Engines: Large national RIA specializing in retirement planning and employer-sponsored plan advisory for individuals — directly aligned with CFG's employer-employee retirement focus and fee-based recurring revenue model.
• The Colony Group: Multi-office wealth management firm offering retirement, investment, estate and tax planning to high-net-worth individuals and families — comparable full-service planning deliverable and recurring fee model.
• Creative Planning: Large, fee-based RIA offering comprehensive retirement, investment, estate, and tax planning to individuals and families — directly comparable business model to CFG's fee-based advisory with multi-state reach and recurring AUM-linked revenue.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CFGWealthManagementSD
• LinkedInlinkedin.com/company/cfg-wealthmanagement

Compliance3 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 CFG Wealth Management