Atlantic Financial Group

What Atlantic Financial Group does

Atlantic Financial Group, LLC (doing business as AFG Wealth) is a privately held boutique financial services practice founded in 1999 by Brett M. Sause and headquartered in Easton, Maryland. The firm delivers three core services to individuals, families, and business owners: comprehensive financial planning, personalized investment management, and protection planning (insurance and risk-mitigation solutions). Sub-services include retirement planning with 401(k)/IRA rollover support, estate and charitable planning, asset protection, executive benefits, business succession planning, disability and long-term care solutions, and funding of deferred compensation and buy-sell agreements.

The practice is built on strategic affiliations with New York Life Insurance Company and its subsidiaries: NYLIFE Securities LLC (Member FINRA/SIPC) for securities, Eagle Strategies LLC for investment advisory, and The Nautilus Group for advanced HNW and business-owner case design. AFG Wealth is not owned or operated by these entities. The firm deploys the Nitrogen/Riskalyze Risk Number platform to quantify investor risk tolerance using a Nobel Prize-winning framework, and consolidates client account access through integrations with Emoney, Wealthscape, New York Life, American Funds, and Brinker Capital. The underlying technology stack is therefore a curated set of third-party advisory and risk-analytics tools rather than proprietary platforms.

AFG Wealth generates revenue through fee-based financial planning (priced by case complexity), recurring investment management fees, and commissions on insurance and securities products distributed through carrier and broker-dealer partners. The go-to-market is consultative and relationship-driven: new clients are accepted only via personal introduction rather than outbound marketing. The firm is licensed to operate across more than 20 states for insurance and securities activities, giving it a regional Mid-Atlantic base with national reach through virtual consultations.

Name

Atlantic Financial Group

Legal name

Atlantic Financial Group, LLC

Website

https://atlanticfinancialgroup.org

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Atlantic Financial Group (AFG Wealth) is a privately held boutique financial advisory practice founded in 1999 in Easton, Maryland, serving individuals, families, and business owners across 20+ U.S. states with fee-based financial planning, investment management, and protection planning via New York Life affiliations and referral-only onboarding.

Ownership category

akta.pro rank

Product category

Wealth Management & Financial Planning

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

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

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

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

Headquarters

HQ city

Easton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Financial Planning: Financial planning services billed based on complexity of the client's situation, depth of analysis required, and personal goals. Fee is determined after reviewing the case.
2. Investment Management: Portfolio management services with personalized investment strategies considering unique goals, risk tolerance, timeline, and resources.
3. Insurance Products: Insurance products including life insurance, disability insurance, long-term care insurance, and other protection solutions offered through New York Life Insurance Company and other carriers.
4. Securities Products & Services: Securities products and services offered through NYLIFE Securities LLC, Member FINRA/SIPC, including advisory services through Eagle Strategies LLC.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Atlantic Financial Group (doing business as AFG Wealth) is a boutique financial services practice that provides comprehensive financial planning, investment management, and protection planning to individuals, families, and business owners. The firm delivers personalized, fee-based advice on retirement, estate, charitable, and succession planning, supported by the Risk Number risk-tolerance assessment technology and affiliations with New York Life, Eagle Strategies, and The Nautilus Group.

Product overview

AFG Wealth offers a unified financial services practice combining three core services (Comprehensive Financial Planning, Investment Management, and Protection Planning) with a technology-enhanced Risk Number assessment module. The practice operates as a boutique firm leveraging the Nitrogen/Riskalyze platform for risk quantification, while providing fee-based financial and wealth management. Clients access multiple account platforms (Emoney, Eagle Strategies/Wealthscape, New York Life, American Funds, Brinker Capital) through a unified Client Portal. Individual and business-focused sub-products include retirement planning, estate/charitable planning, asset protection, executive benefits, succession planning, disability/extended care, and deferred compensation funding.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Financial Planning Full-scope financial planning service that examines every aspect of a client's finances, prioritizing intentionality and efficiency to create a comprehensive, cohesive plan aligned with the client's vision of a fulfilling life. Targeted at individuals, families, and business owners.
• Investment Management Personalized wealth growth strategy considering individual goals, risk tolerance, timeline, and resources, based on time-tested investment principles for long-term portfolio durability. Includes ongoing monitoring and portfolio construction.
• Protection Planning Risk identification and mitigation services providing personalized solutions to protect wealth, family, and future through life, disability, and long-term care insurance products offered through New York Life and other carriers.
• Retirement Planning Comprehensive retirement strategy services including 401(k) and IRA rollovers, retirement income mapping, and progress tracking toward retirement goals for individuals and families.
• Estate & Charitable Planning Estate distribution planning and charitable giving strategy services for legacy preservation, including coordination with affiliated legal partners.
• Asset Protection

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature1 record

Partnerships

Eleven partnerships are on record, tiered core and minor.

• New York Life Insurance CompanycoreStrategic or Co-development PartnerParent company and primary strategic partner. AFG Wealth is affiliated with New York Life through Brett Sause who is an agent licensed to sell insurance through New York Life and a Registered Representative offering securities products through NYLIFE Securities LLC, a wholly-owned subsidiary of New York Life.
• The Nautilus Group®coreStrategic or Co-development PartnerExclusive resource for Member Agents working with affluent, high net worth and business owner clients. Nautilus provides consultative services and technical case design for estate, business, charitable, insurance and retirement strategies. Brett Sause is a Member Agent. Located in Dallas, TX.
• Eagle Strategies LLCcoreTechnology or IntegrationRegistered Investment Adviser and wholly-owned subsidiary of New York Life. Brett Sause is a Financial Adviser with Eagle Strategies LLC offering advisory services. Provides comprehensive investment advisory services and financial planning through portfolio specialists and financial planning consultants.
• Richard C. Graves, CPA & Associates LLCminorImplementation/ SI/ Consulting PartnerThird-party CPA firm recommended as part of the coordinated professional advisory team approach for clients.
• Bergey & Company, P.A.minorImplementation/ SI/ Consulting PartnerThird-party CPA firm listed as a strategic alliance for client accounting and tax coordination.
• AWD, PCminorImplementation/ SI/ Consulting PartnerThird-party CPA firm (Corey Duncan, CPA, MBA, CGMA; Craig Walter, CPA) for client financial coordination.
• Frame & FrameminorImplementation/ SI/ Consulting PartnerThird-party law firm (Tara Frame, ESQ) for estate and legal planning coordination.
• Arlette Bright, P.C.minorImplementation/ SI/ Consulting PartnerThird-party law firm (Arlette Bright, ESQ) for legal planning services coordination.
• Parker CountsminorImplementation/ SI/ Consulting PartnerThird-party law firm (Ann Karwacki Goodman, ESQ) for legal planning coordination.
• Procino-Wells & WoodlandminorImplementation/ SI/ Consulting PartnerThird-party law firm for estate and legal planning coordination.
• Sergovic Carrmean Weidman McCartney & Owens, P.A.minorImplementation/ SI/ Consulting PartnerThird-party law firm (Shannon Owens, ESQ) for legal planning coordination.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• North Star Resource Group: Insurance-integrated financial planning firm serving individuals, families, and business owners with retirement, estate, and wealth protection solutions. Highly comparable to AFG Wealth in its insurance-and-planning hybrid model and business-owner client focus.
• Edelman Financial Services: Independent RIA and financial planning firm serving individuals and families with fee-based planning, investment management, and estate/retirement strategies. Closely aligned with AFG Wealth in client segment, fee-based model, and holistic-planning service mix.
• Buckingham Strategic Wealth: Independent RIA providing fee-only financial planning and investment management to individuals and families. Closely comparable to AFG Wealth in fiduciary, fee-based wealth management orientation, though differentiated by its evidence-based investing focus.
• Mariner Wealth Advisors: Large independent RIA offering comprehensive financial planning, investment management, and tax/estate services to HNW individuals and business owners. Comparable to AFG Wealth as a multi-service boutique-to-mid-market wealth manager, though operating at substantially greater scale.

Broad incumbents

• Carson Group: RIA platform supporting affiliated independent advisors with wealth management, financial planning, and business-owner services. Comparable to AFG Wealth in advisor-led, planning-centric delivery model but operating via a corporate platform.
• Wealth Enhancement Group: Independent wealth management firm offering financial planning, investment management, and tax services to individuals and businesses. Comparable to AFG Wealth in holistic planning and HNW client segment, though operating through an aggregator-rollup model.
• Creative Planning: One of the largest independent RIAs in the U.S., providing wealth management, financial planning, and tax services. Comparable to AFG Wealth in its integrated financial-planning orientation and HNW business-owner focus, but with vastly larger AUM and headcount.
• Cambridge Investment Research: Independent broker-dealer/RIA supporting affiliated financial advisors with planning, investment, and insurance solutions. Comparable to AFG Wealth in advisor-led delivery of integrated planning and insurance products, but at enterprise scale.
• Cetera Financial Group: Network of independent broker-dealers and RIAs supporting affiliated advisors with wealth management and financial planning infrastructure. Comparable to AFG Wealth in delivering advisor-led planning services but through a much larger enterprise platform.
• Fisher Investments: Large independent investment management firm primarily serving HNW individuals and institutions with portfolio management. Comparable to AFG Wealth in fee-based discretionary investment management, but at vastly larger scale and narrower planning scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/BrettMSause

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Atlantic Financial Group