One North Wealth Services

What One North Wealth Services does

One North Wealth Services (legal entity 1 North Wealth Services, LLC) is a privately held, fee-only SEC-registered investment adviser headquartered in Annapolis, Maryland. Founded by James E. Brennan, CFP, who brings 30+ years of financial-advisory experience, the firm delivers personalized financial planning and active discretionary investment management to high-net-worth individuals, families, and business owners with a stated $500,000 minimum in investable assets for ongoing investment management. Its principal service lines are hourly fee-only financial planning covering retirement, tax, estate, insurance, and business-succession planning, and a recurring asset-based investment management service delivered through the firm's proprietary "1Nsight Process" methodology.

Revenue is generated primarily through subscription/recurring asset-based management fees for ongoing investment management and hourly fees for standalone financial planning engagements; the firm explicitly avoids commissions and product sales, operating under a fiduciary standard. Distribution is exclusively direct: client relationships are sourced through personal referrals, the firm's content-marketing blog ("Five Things to Know" series), and inbound contact via phone or web form, with no paid advertising or channel-partner distribution. Services are delivered through a 7-person team led by Brennan (CEO), Mary Lu Hughes (Lead Investment Manager, Anne Arundel County Pension Board committee member), Kate Putek (Director of Compliance/Trading, Series 65), John Milchling (Investment Manager & Trader, CFA Charterholder), and additional client-services and junior advisor staff.

On the technology side, the firm operates on a third-party stack with no proprietary platforms disclosed: Orion Advisor powers the client portal for performance reporting and portfolio views, Charles Schwab acts as custodian and provides client account access, 1099s, and fraud monitoring, and Box is used for secure document exchange with clients and external professionals. The firm holds no patents, has no mobile app, and offers no public APIs or SDKs. Compliance is anchored by SEC investment-adviser registration and the firm's fiduciary, fee-only compensation model, which structurally eliminates commission-driven conflicts of interest. Customer concentration risk centers on a comparatively small client base of HNW households and business owners, served both domestically and, per the firm's marketing, internationally from a single Annapolis office.

Name

One North Wealth Services

Legal name

1 North Wealth Services, LLC

Website

https://1northwealthservices.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

One North Wealth Services is a fee-only, SEC-registered investment adviser in Annapolis, Maryland, providing ongoing discretionary investment management and hourly financial planning to high-net-worth individuals, families, and business owners above a $500,000 asset minimum.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Fee-only financial planning
• Investment management services
• Wealth management advisory
• Fiduciary financial advice
• Retirement and estate planning

Headquarters

HQ city

Annapolis

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. Investment Management (Ongoing): Active discretionary investment management with ongoing monitoring and portfolio management. The firm monitors and manages assets on a daily or weekly basis to ensure goals are met, expenses are limited, tax efficiency is maintained, and optimal returns are achieved for risk tolerance levels.
2. Financial Planning (Hourly): Hourly fee-only financial planning services covering retirement readiness, investment portfolio review, tax planning, risk assessment, insurance analysis, estate planning, and other financial planning needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Fee-only SEC-registered investment adviser providing two core offerings: (1) ongoing active discretionary Investment Management for clients with $500,000 or more in investable assets, and (2) hourly Financial Planning covering retirement, tax, estate, insurance, and risk analysis. Both services are delivered through the firm's proprietary 1Nsight Process methodology on a fiduciary basis, with no commissions or product sales.

Product overview

1 North Wealth Services offers two core service offerings: Financial Planning (available on an hourly basis) and Investment Management (ongoing active management with a $500,000 asset minimum). Both services are delivered through the firm's proprietary 1Nsight Process methodology, which provides a structured framework for goal-setting, planning, and ongoing financial guidance. The firm is a fee-only registered investment adviser that does not sell commission-based products.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Hourly fee-only financial planning service covering risk management, retirement planning, business planning, college funding, tax planning, estate planning, and insurance analysis. Available to individuals, families, and business owners without a minimum asset requirement beyond the engagement scope.
• Investment Management Active discretionary investment management service requiring a $500,000 asset minimum. Includes ongoing portfolio monitoring (daily/weekly), downside protection, account aggregation, and tax-efficient portfolio oversight on a fiduciary fee-only basis.
• 1Nsight Process The firm's proprietary financial planning methodology used to help clients determine goals and develop customized plans to achieve them while protecting family and assets in a tax-efficient manner. Serves as the structured framework underlying both Financial Planning and Investment Management engagements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core.

• OrioncoreTechnology or IntegrationOrion advisor platform is used for the secure client portal, allowing clients to view performance reports, portfolio holdings, portfolio snapshots, position allocations, and exclusive newsletters.
• Charles SchwabcoreTechnology or IntegrationCharles Schwab serves as the custodian for client accounts. Clients can access their Schwab accounts through the client portal. Schwab also provides 1099 forms to clients and fraud monitoring services.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Empower (formerly Personal Capital): Large digital wealth manager combining technology-driven dashboards with human advisory services for HNW and mass-affluent clients. Broader scale and product mix; directly competes for 1 North's target client.
• Edelman Financial Engines: Large national fee-only RIA offering investment advisory, financial planning, and workplace retirement services to individuals across the wealth spectrum. Same fee-only fiduciary positioning but at vastly greater scale and service breadth.

Direct peers

• Brighton Jones: Fee-only wealth management firm serving HNW individuals, families, and business owners with comprehensive financial planning and discretionary investment management. Highly comparable service mix and client profile.
• Homrich Berg: Fee-only wealth management firm offering investment advisory, financial planning, and family office services to HNW clients. Closely comparable fee-only fiduciary model and service breadth.
• SageView Advisory Group: Fee-only RIA providing retirement planning, investment management, and financial advisory services to corporate executives and HNW individuals. Comparable fee-only model and client segmentation.
• Carson Wealth: Fee-only RIA platform serving HNW clients with financial planning and investment management, plus advisor support services. Comparable fee-only fiduciary model and HNW focus; operates as a larger platform with multiple regional offices.
• Buckingham Strategic Wealth: National fee-only RIA serving HNW individuals and families with active investment management and financial planning. Closely comparable business model, fee structure, and target client to 1 North Wealth Services, but at significantly larger scale.
• Capstone Financial Advisors: Fee-only RIA providing comprehensive wealth management and financial planning to HNW individuals and families. Similar size, fee-only structure, and client-first fiduciary positioning.

Emerging players

• Betterment: Leading robo-advisor and digital wealth platform serving mass-affluent through HNW investors with automated portfolio management. Represents the digital/lower-fee competitive threat to traditional boutique RIAs.
• Wealthfront: Digital-first RIA offering automated investment management and financial planning, primarily serving tech-forward mass-affluent and HNW clients. Competes for the same end-client segment with a lower-fee, technology-driven model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/1nwservices
• Facebookfacebook.com/1-north-wealth-services-1690679647837999
• LinkedInlinkedin.com/company/middleton-gardiner-group-llc

Compliance1 record

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 One North Wealth Services