FLC Capital Advisors
FLC Capital Advisors is an independent, privately held registered investment advisory firm founded in 1995 in Palm Desert, California. It provides fee-based financial planning, retirement, and wealth management services to pre-retirees, retirees, and affluent individuals across 26 U.S. states.
- Company typePrivate
- Founded1995
- HeadquartersPalm Desert, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What FLC Capital Advisors does
FLC Capital Advisors is an independent, privately held registered investment advisory firm headquartered in Palm Desert, California, founded in 1995. The firm provides comprehensive financial planning, investment management, cash flow planning, and legacy planning services to pre-retirees, retirees, and affluent individuals. Its core offering is a proprietary "Live Advising" approach that integrates time, money, and health to help clients balance current lifestyle enjoyment with long-term financial security during retirement. The firm follows a structured four-step onboarding process (Discovery Meeting, Diagnosis & Recommendations, Investment Plan & Financial Plan Meeting, Mutual Commitment Meeting) and emphasizes fiduciary, unbiased advice free from corporate influence.
The business operates on a fee-based investment advisory model, with securities offered through Osaic Wealth, Inc. (a separately owned FINRA/SIPC broker-dealer), generating revenue through both recurring advisory fees and securities commissions. Client engagement is delivered via direct consultations with a team of CFP® professionals, supported by the Orion platform for account access and portfolio management, and an extensive digital resource center covering retirement, investment, estate, insurance, tax, and lifestyle topics. The firm is licensed to serve clients across 26 U.S. states, though its brand presence remains anchored in the Coachella Valley after nearly 30 years of operation.
The leadership team includes President and CEO Max Briggs (34 years in the industry, CFP®, Series 24/7, CA Life Insurance licensed), Senior Vice President Daniel A. Neil (CFP®, former American Express Financial Advisors), Investment Advisor Representative Daniel Brush (CFP®, CPA, former FINRA Board Arbitrator), Chief Compliance Officer and Director of Operations Brian Ekstrom (with the firm since 2002), and Assistant Portfolio Manager Brandon Ross (CMT designation). The firm employs 251-500 people and is privately held with no parent company, institutional investors, or public funding.
FLC Capital Advisors firmographics
Firmographics- Name
- FLC Capital Advisors
- Legal name
- FLC Capital Advisors
- Website
- https://flccapital.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- FLC Capital Advisors is an independent, privately held registered investment advisory firm founded in 1995 in Palm Desert, California. It provides fee-based financial planning, retirement, and wealth management services to pre-retirees, retirees, and affluent individuals across 26 U.S. states.
- Ownership category
- akta.pro rank
FLC Capital Advisors industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)
- akta.pro secondary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where FLC Capital Advisors is headquartered
LocationHeadquarters
- HQ city
- Palm Desert
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FLC Capital Advisors business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Investment Advisory Services: Fee-based investment advisory services where clients pay for personalized investment management and financial planning advice. Securities are offered through Osaic Wealth, Inc., a registered broker-dealer.
- Securities Commissions: Revenue generated from securities transactions executed through their broker-dealer relationship with Osaic Wealth, Inc. The firm is separately owned from Osaic Wealth.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Fee-based advisory services with personalized investment management |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
FLC Capital Advisors product offering
Product offeringCore offering
FLC Capital Advisors is an independent, fee-based financial planning and wealth management firm that delivers personalized advisory services focused on the retirement distribution phase. Core offerings include Comprehensive Financial Planning, "Live" Advising, Cash Flow Planning, Legacy Planning, and Investment Management. Securities are offered through a third-party broker-dealer relationship with Osaic Wealth, Inc.
Product overview
FLC Capital Advisors is an independent financial planning firm that offers a suite of advisory services centered on retirement planning and wealth management. Their core offerings include Comprehensive Financial Planning, "Live" Advising, Cash Flow Planning, Legacy Planning, and Investment Management services. The firm provides personalized, fiduciary-based advice tailored for retirees and affluent individuals, with a focus on the distribution phase of retirement. Supporting these core services, the firm offers an extensive library of educational resources and calculators covering investment, retirement, estate, insurance, tax, and money management topics.
Differentiator
Problem solved
Functional benefit
Products and services
- Comprehensive Financial Planning
Quantifiable outcome
- Consistent, tax-efficient, and sustainable income for retirement years
Companies that use FLC Capital Advisors
Customer profileSegments2 records
Ideal customer profiles2 records
FLC Capital Advisors technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
FLC Capital Advisors partnerships and signals
Strategic signalScale indicators2 records
Recent moves1 record
Expansion highlights5 records
FLC Capital Advisors competitors and assessment
Company assessmentEmerging players
- Facet Wealth: Tech-enabled digital RIA delivering personalized financial planning and investment management to affluent clients through a virtual model. Comparable to FLC in serving affluent individuals with fiduciary advice, but differentiated by digital-first delivery and lower fee structure.
Others
- Commonwealth Financial Network: Independent broker-dealer/RIA network providing back-office, compliance, and technology infrastructure to independent financial advisors. Similar ecosystem role to FLC's partnership with Osaic Wealth, supporting independent advisory firms with execution and compliance services.
- Cetera Financial Group: Independent broker-dealer network supporting thousands of financial professionals with advisory, brokerage, and technology infrastructure. Functions as an ecosystem partner comparable to Osaic Wealth for FLC, enabling independent RIAs to offer securities and advisory services.
Broad incumbents
- Mercer Advisors: National RIA providing comprehensive wealth management, including retirement, tax, and estate planning to high-net-worth individuals. Similar service offerings to FLC's comprehensive planning, but with multi-billion AUM and national footprint.
- Fisher Investments: Privately held RIA primarily serving high-net-worth individuals and institutional clients with discretionary portfolio management. Comparable to FLC in serving affluent individuals with personalized investment management, though much larger and more institutional.
- Edelman Financial Engines: One of the largest independent RIAs in the U.S., combining workplace retirement plan services with personalized financial planning and wealth management. Comparable to FLC in its emphasis on retirement distribution planning and fee-based fiduciary advice.
- Mariner Wealth Advisors: National RIA delivering comprehensive financial planning, tax, estate, and investment advisory services to high-net-worth clients. Comparable to FLC in full-service financial planning orientation and affluent-individual target market.
- Creative Planning: Large national RIA offering comprehensive financial planning, retirement, tax, and wealth management services to affluent individuals and families. Comparable to FLC in service breadth and fiduciary RIA positioning, but operates at vastly greater scale across multiple U.S. geographies.
Direct peers
- Buckingham Strategic Wealth: Independent, fee-only RIA providing comprehensive financial planning and investment management to affluent individuals. Direct peer of FLC as a financial-planning-led, fiduciary RIA serving a similar affluent-individual clientele.
- Carson Group: Independent wealth management firm and RIA platform focused on helping financial advisors deliver holistic financial planning, including retirement and legacy planning. Direct competitor to FLC in the financial-planning-led RIA category, with similar advisor-centric delivery model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
FLC Capital Advisors social profiles
Digital presenceFLC Capital Advisors financial estimates
Financial estimateRevenue estimate
Valuation estimate
FLC Capital Advisors leadership team
Management profileNumber of profiles
Profiles8 records
FLC Capital Advisors funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FLC Capital Advisors M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FLC Capital Advisors
What does FLC Capital Advisors do?
FLC Capital Advisors is an independent, fee-based financial planning and wealth management firm that delivers personalized advisory services focused on the retirement distribution phase. Core offerings include Comprehensive Financial Planning, "Live" Advising, Cash Flow Planning, Legacy Planning, and Investment Management. Securities are offered through a third-party broker-dealer relationship with Osaic Wealth, Inc.
Is FLC Capital Advisors a public or private company?
FLC Capital Advisors is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FLC Capital Advisors founded?
FLC Capital Advisors was founded in 1995. It employs 251 to 500 people.
Where is FLC Capital Advisors based?
FLC Capital Advisors is headquartered in Palm Desert, United States, in the North America region.
How does FLC Capital Advisors make money?
Two revenue lines are on record. Investment Advisory Services are the primary driver. The others are securities Commissions.
Who are FLC Capital Advisors's main competitors?
Facet Wealth is listed as an emerging player. Others are Commonwealth Financial Network and Cetera Financial Group. Broad incumbents are Mercer Advisors, Fisher Investments, Edelman Financial Engines, Mariner Wealth Advisors and Creative Planning. Direct peers are Buckingham Strategic Wealth and Carson Group.
Does FLC Capital Advisors have an API?
No public API is recorded for FLC Capital Advisors.
What industry is FLC Capital Advisors in?
FLC Capital Advisors's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEABAA, Registered Investment Advisor (RIA) Wealth Management, with a secondary code of FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.