WESPAC

What WESPAC does

WESPAC (legal entity: WESPAC Plan Services, LLC, operating since 1977 from Orinda, California) is a private, wholly-owned subsidiary of Focus Financial Partners (NASDAQ: FOCS) since July 2008, providing third-party retirement plan administration and recordkeeping, SEC-registered investment advisory/wealth management, fiduciary services, and health/benefit and insurance consulting to small and mid-sized employers and high-net-worth individuals across the West Coast. The firm operates from three offices — Orinda, California (headquarters), Reno, Nevada, and Fresno, California — and serves hundreds of clients with thousands of employees, with explicit positioning as a personalized alternative to large retirement plan providers that cannot adequately serve closely-held and mid-market plan sponsors. WESPAC's technical stack combines proprietary investment methodologies (notably the RMAP portfolios, designed to reduce downside capture and overseen by CIO Greg Christian) with a participant and plan-sponsor portal provided by the Charles Schwab Retirement Plan Services platform (RetirementVista Access), available in English and Spanish. WESPAC Advisors, LLC (SEC registered investment advisor) and WESPAC Benefit and Insurance Services operate as wholly-owned subsidiaries, allowing cross-sell of fiduciary advice, custom portfolio design, estate/succession/financial-independence planning, and benefits consulting through a single advisor relationship.

WESPAC generates revenue across three recurring streams: subscription-style third-party plan administration fees for defined contribution, defined benefit, and other qualified pension plans; AUM- and advisory-fee-based wealth management and fiduciary services through WESPAC Advisors; and professional services/commission-based revenue from the WESPAC Benefit and Insurance Services unit. Pricing is custom (quote-based) and primarily determined by plan size, participant count, and service complexity, with no publicly disclosed tiers. Go-to-market is sales-led and regional: senior consultants and advisors develop direct, relationship-driven engagements with West Coast employers, reinforced by a formalized partnership with Charles Schwab branch retirement plan specialists in California and the western region, supplemented by content marketing (quarterly Market Review newsletter, educational videos, financial calculator library) and traditional B2B outbound.

Given its ownership by Focus Financial Partners, WESPAC benefits from shared back-office resources, best-practice sharing, and continuity infrastructure while preserving local entrepreneurial autonomy and branding under the WESPAC name; however, it does not publish standalone financials, plan counts, AUM, or headcount in the available materials.

Name

WESPAC

Legal name

WESPAC Plan Services, LLC

Website

https://wespac.net

Company type

Private

Founded year

1977

Operating status

Operating

Short description

WESPAC is a California-based third-party retirement plan administrator and SEC-registered investment advisor serving small and mid-sized employers and high-net-worth individuals across the West Coast via offices in Orinda, Reno, and Fresno.

Ownership category

akta.pro rank

Product category

Retirement Plan Administration

NAICS

Pension Funds (52511), Insurance and Employee Benefit Funds (5251), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAAACAF

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b))

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAACAB

Financial Planning–Led RIAs

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAACAE

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

• Retirement plan administration
• Wealth management advisory
• Fiduciary investment services
• Third-party pension administration
• Employee benefits consulting

Headquarters

HQ city

Orinda

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retirement Plan Administration: Third-party retirement plan administrative services including defined contribution, defined benefit and other pension plan administration and recordkeeping. Fees likely based on plan size and participant count.
2. Wealth Management & Advisory: SEC Registered Investment Advisor services providing fiduciary, advisory, benchmarking, and portfolio management services to retirement plan clients and high net worth individuals. Includes comprehensive estate planning, financial independence and succession planning.
3. Benefits & Insurance Services: Health and welfare benefit plan solutions through WESPAC Benefit and Insurance Services, helping employers with pension, healthcare, and employee communications issues through strategic relationships with insurance providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

WESPAC delivers third-party retirement plan administration and recordkeeping for qualified plans (defined contribution, defined benefit, and pension) to small and mid-sized employers on the West Coast. Through its SEC-registered investment advisory subsidiary, WESPAC Advisors, it provides fiduciary, portfolio management, and comprehensive financial planning services to retirement plan clients and high net worth individuals. A benefits and insurance subsidiary rounds out the offering with health and welfare plan solutions and employee communications consulting.

Product overview

WESPAC is a fully integrated financial services firm offering a unified portfolio of retirement plan and wealth management products. The core offering centers on WESPAC Plan Services for third-party retirement plan administration and recordkeeping, complemented by WESPAC Advisors, LLC for SEC-registered investment advisory and wealth management services. The subsidiary WESPAC Benefit and Insurance Services provides health and welfare benefit solutions. RetirementVista Access provides participant and plan sponsor portal access integrated with Charles Schwab. The RMAP (risk-managed) portfolios represent proprietary investment strategies designed to reduce downside capture in volatile markets.

Differentiator

Problem solved

Functional benefit

Products and services

• WESPAC Plan Services Third-party retirement plan administration and recordkeeping for qualified retirement plans (defined contribution, defined benefit, and other pension plan types), performing all duties necessary for plan compliance with legal, regulatory, and plan-document requirements. Targets small and mid-sized employers.
• WESPAC Advisors, LLC Full-service SEC Registered Investment Advisor providing fiduciary, advisory, benchmarking, and portfolio management services to retirement plan clients and directly to high net worth individuals, including comprehensive estate, financial independence, and succession planning. Manages client assets using proprietary strategies or custom portfolios designed in concert with the client.
• WESPAC Benefit and Insurance Services Health and welfare benefit plan solutions including pension, healthcare, and employee communications consulting for corporate clients, leveraging strategic relationships with prominent insurance providers.
• RMAP Portfolios Proprietary risk-managed investment portfolio methodology overseen by Chief Investment Officer Greg Christian, designed to reduce downside capture in volatile markets. Available to retirement plan and high net worth clients of WESPAC Advisors.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Charles SchwabcoreTechnology or IntegrationWESPAC maintains a strategic relationship with Charles Schwab branches and their branch retirement plan specialists to educate and promote Schwab's partnership program with selected firms. WESPAC supports both startup and seasoned retirement plans and manages the strategic relationship with key branches of Charles Schwab in California and the western region.
• RetirementVista (Schwab Platform)coreTechnology or IntegrationWESPAC provides participant access through RetirementVista, a Schwab-powered platform for retirement plan recordkeeping and administration. Participants access plan information, account details, and tools through secure login portals for both English and Spanish users. Plan sponsors and financial advisors also access the platform through dedicated portals.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Cetera Financial Group: A leading network of independent broker-dealer and RIA firms owned by Genstar Capital, with a partnership-style model similar to Focus Financial Partners. Comparable as a parent organization structure to WESPAC's Focus Financial relationship, supporting independent RIAs serving retirement plan sponsors and HNW clients.
• Principal Financial Group: A large diversified financial services firm offering retirement plan administration, investment management, and employee benefits. Comparable as a broad incumbent serving mid-market employers with retirement and benefits solutions similar to WESPAC's integrated offering.
• ADP Retirement Services: A division of ADP offering 401(k) and retirement plan administration bundled with payroll and HR services. Direct competitor for small and mid-sized employer 401(k) business and a meaningful threat to WESPAC's core SMB market through integrated payroll-plus-retirement positioning.
• Empower Retirement: A leading national retirement plan provider offering recordkeeping, administration, and advisory for workplace retirement plans. Comparable to WESPAC's retirement plan services as a broad incumbent with scale advantages and a national footprint that competes for mid-market employer clients.

Emerging players

• Vestwell: A digital retirement plan administration platform serving small and mid-sized employers with 401(k), 403(b), and SEP IRA plans. Comparable to WESPAC's TPA offering but with a fully digital, scalable model targeting the same underserved SMB market.
• Guideline: A technology-driven 401(k) provider targeting small businesses with automated, low-cost plan administration. Represents the emerging technology threat to traditional TPAs like WESPAC in the small-employer segment, with a streamlined digital onboarding and pricing model.

Direct peers

• Newport Group: A leading independent retirement plan provider offering third-party administration, recordkeeping, and advisory services to defined contribution and defined benefit plans. Directly comparable to WESPAC's core retirement plan administration business with similar mid-market and large-plan capabilities.
• Ascensus: One of the largest independent TPAs in the U.S., providing retirement plan administration, government savings programs, and education savings services. Closely comparable to WESPAC's TPA capabilities, though at materially greater scale across multiple plan types.
• Cetera Advisor Networks: An independent advisor network and RIA within Cetera providing financial planning, retirement plan services, and wealth management to individuals and small/mid-sized employers. Closely comparable to WESPAC Advisors' RIA services in scope and target client segment.

Others

• Schwab Retirement Plan Services: Charles Schwab's retirement plan recordkeeping and administration arm, with which WESPAC has a strategic partnership. While not a direct competitor in WESPAC's regional TPA role, Schwab's recordkeeping platform and branch referral network are central to WESPAC's operating model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 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 WESPAC