XEO Wealth Planning

What XEO Wealth Planning does

XEO Wealth Planning is an independent financial advisory firm headquartered in Breckenridge, Texas, founded by Edward Owen Miller. The firm operates as registered representatives of LPL Financial, delivering securities and advisory services to individuals, families, small business owners, and military and civil service employees across 14 states (Texas, Alabama, Colorado, Florida, Illinois, Kentucky, Louisiana, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, South Dakota, and Virginia). Its service portfolio spans ten core offerings: Financial Planning, Financial Coaching, Investment Management, Risk Management, Cash Management, Tax Strategy, Pension Benefit Maximization, Employee Benefits Consulting, Gifting Strategies, and Estate Planning. The firm differentiates through a specialized focus on military and civil service benefits planning, a holistic planning approach, and personalization delivered through direct consultations.

The firm relies entirely on third-party technology rather than proprietary systems. Client-facing platforms include EMoney (financial planning), AssetMark (wealth management), AdvicePay (fee billing), and LPL Account View (account access), with no in-house development. The operating model is sales-led and direct, with complimentary consultations as the primary acquisition mechanism, supplemented by an extensive content marketing resource center covering retirement, investment, estate, insurance, tax, and lifestyle topics. The team consists of two identified members: founder Owen Miller (President, Financial Advisor, 17+ years experience) and Jackee Ellis (Client Relationship Manager, joined 2021).

XEO Wealth Planning generates revenue through advisory and planning fees as representatives of LPL Financial, with pricing not publicly disclosed (likely AUM-based, hourly, or flat fees depending on service complexity). The firm is privately held and founder-owned, with no institutional investment, no funding rounds, and no parent company. As a small independent practice, its addressable market and growth ceiling are inherently constrained by a 2-person operating structure, though the military benefits niche and multi-state registration provide some defense against purely local competitors.

Name

XEO Wealth Planning

Legal name

XEO Wealth Planning

Website

https://xeowealth.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

XEO Wealth Planning is an independent financial advisory firm based in Breckenridge, Texas, serving individuals, families, small business owners, and military and civil service employees across 14 states with holistic financial planning, investment management, and retirement benefits expertise.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

akta.pro secondary industries

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

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

Headquarters

HQ city

Breckenridge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Revenue generated through advisory and planning fees as registered representatives of LPL Financial. Services include financial planning, investment management, and related advisory services for individuals, families, and small business owners.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

XEO Wealth Planning is an independent financial advisory firm that provides holistic, personalized financial planning and wealth management services to individuals, families, small business owners, and military/civil service employees. Its core offerings include financial planning, investment management, retirement planning, estate planning, tax strategy, risk management, cash management, financial coaching, and pension benefit maximization, delivered as advisory representatives of LPL Financial.

Product overview

XEO Wealth Planning is an independent financial advisory firm offering a holistic financial planning approach through a suite of comprehensive services. The firm provides Financial Planning, Financial Coaching, Investment Management, Risk Management, Cash Management, Tax Strategy, Pension Benefit Maximization, Employee Benefits Consulting, Gifting Strategies, and Estate Planning. Services are offered as advisory representations of LPL Financial, with a focus on military benefits specialization and personalized coaching relationships with individuals, families, and small business owners.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services that create personalized strategies tailored to individual client needs and long-term goals, covering overall financial life planning.
• Financial Coaching Advisory service focused on helping clients understand and cultivate financial behaviors to better position them for achieving financial goals.
• Investment Management Professional management of client investment portfolios designed to align with risk tolerance, time horizon, and financial goals.
• Risk Management Insurance strategy services to help protect families from financial consequences of unexpected life events through personal, liability, and life insurance planning.
• Cash Management Money management services including budget creation and decisions about spending and saving.
• Tax Strategy Tax planning and strategy services to help clients better manage their overall tax situation through tax-efficient investing.
• Pension Benefit Maximization Specialized consulting for military and civil service employees to effectively incorporate pension and employee benefits into family financial plans.
• Employee Benefits Consulting Advisory service helping clients understand and optimize their employer-provided benefits, especially complex military benefits.
• Gifting Strategies Estate planning services focused on tax-advantaged wealth transfer through gifting techniques.
• Estate Planning Services to help clients manage personal affairs during life and control distribution of wealth upon death, including trust strategies and beneficiary designation planning.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• LPL FinancialcoreStrategic or Co-development PartnerSecurities and advisory services are offered through LPL Financial, a registered investment advisor and member FINRA/SIPC. XEO Wealth Planning operates as advisory representatives of LPL Financial, providing access to investment platforms and compliance infrastructure.
• EMoneycoreTechnology or IntegrationClient portal platform for financial planning and account management, offered to clients for accessing their financial plans and account information.
• AssetMarkcoreTechnology or IntegrationWealth management platform provided to clients for account access and portfolio management.
• AdvicePaycoreTechnology or IntegrationFee billing platform for managing advisory fees and client payments.
• Texas Heritage Trails LLCminorStrategic or Co-development PartnerNonprofit organization dedicated to promoting Texas heritage and culture. Owen Miller serves on the Board of Directors. Produces Authentic Texas magazine showcasing Texas people, places, events, and stories.
• Texas Forts TrailminorStrategic or Co-development Partner501(c)(3) nonprofit organization dedicated to promoting economic growth through heritage and cultural tourism in West Central Texas. Owen Miller served on the Board of Directors.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Group: Wealth management firm supporting independent financial advisors with technology, compliance, and growth resources. Comparable to XEO because of its focus on enabling independent advisors serving individuals and families with holistic planning.
• Halbert Hargrove: Independent, fee-only RIA providing personalized financial planning, investment management, and tax strategy to individuals and families. Comparable to XEO as a similarly structured independent advisory practice focused on holistic planning.
• Mariner Wealth Advisors: National independent RIA offering comprehensive financial planning, investment management, tax, and estate services to individuals and families. Comparable to XEO in business model, holistic planning focus, and reliance on personalized advisory relationships.
• Pure Financial Advisors: Fee-only independent RIA providing comprehensive financial planning and investment management to individuals and families. Comparable to XEO in advisor-led, fee-based holistic planning for private clients.

Emerging players

• Facet Wealth: Digital-first hybrid advisory firm pairing certified financial planners with technology to serve mass-affluent clients nationwide. Comparable to XEO in serving individuals and families seeking comprehensive planning, but via a virtual model.

Broad incumbents

• Raymond James: Diversified financial services firm with a substantial independent advisor network providing wealth management, retirement planning, and tax strategies. Comparable to XEO because of its independent-advisor model serving individual and family clients.
• Fisher Investments: Large independent money manager serving individuals and families with portfolio management and personalized financial planning. Comparable to XEO in serving private clients with personalized investment and planning services.
• Edward Jones: Large personal advisory firm delivering face-to-face financial planning to individual investors and families across thousands of U.S. branch offices. Comparable to XEO because of its advisor-led, relationship-based service model targeting mass-affluent households.
• Waddell & Reed Financial Advisors: Diversified wealth management firm with a large advisor channel delivering financial planning, investment management, and insurance solutions. Comparable to XEO in advisor-led delivery to individual and family clients across multiple states.
• Ameriprise Financial: Diversified financial services company with a large independent advisor channel offering holistic financial planning, investment management, and insurance. Comparable to XEO in product breadth and advisor-led delivery to individuals and families.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/XEOwealth
• Facebookfacebook.com/OwenMiller.XEOWealth

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 XEO Wealth Planning