Law & Associates Wealth Management and Planning

What Law & Associates Wealth Management and Planning does

Law & Associates Wealth Management and Planning is a privately held, independently owned registered investment advisory firm headquartered in Glen Echo, Maryland. Founded in 1980 by Sally Law and currently led by Chair/CEO Janice L. Henderson (who took ownership in 2016), the firm operates as an independent branch of Raymond James Financial Services, Inc., with approximately 8 team members serving individuals, families, and small business owners in the Washington D.C. metropolitan area.

The firm delivers a comprehensive suite of integrated wealth management and financial planning services across nine core product lines: Asset Management, Retirement Planning, Risk Management (insurance), Legacy and Estate Planning, Education Funding, Divorce Planning, Small Business Planning, Cash Flow Management, and Tax Planning. Service delivery follows a documented three-step approach (Listen, Understand, Plan) emphasizing personalized consultation and ongoing portfolio monitoring. The firm has no proprietary technology platform; instead, it leverages Raymond James client-facing infrastructure including the Client Access online portal, My Pathway, and RJ Charitable platforms, supplemented by its own educational content channels (The Cottage blog, News from the Cottage newsletter, Weekly Commentary).

Law & Associates earns revenue through advisory fees and commissions on securities transactions routed through Raymond James Financial Services (FINRA/SIPC member). The firm operates as a registered investment adviser under the Raymond James umbrella, with fees likely structured as asset-based percentages of AUM, flat fees, or hourly arrangements, though pricing is not publicly disclosed. Go-to-market is relationship-based enterprise field sales delivered through certified financial planners via scheduled complimentary consultations. The team holds multiple advanced designations including CFP®, CDFA®, CRC®, and CFA Level I, with one team member elected 2026 President-Elect of the Financial Planning Association.

Name

Law & Associates Wealth Management and Planning

Legal name

Law & Associates, Inc.

Website

https://lawandassociates.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Law & Associates is a privately held, independent registered investment advisory firm in Glen Echo, Maryland, founded in 1980 and operating as a branch of Raymond James. Its ~8-person team delivers personalized wealth management, retirement, estate, and financial planning services to individuals, families, and small businesses in the Washington D.C. metro area.

Ownership category

akta.pro rank

Product category

Wealth Management and Financial Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

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

akta.pro primary industry

Business Owner & Executive Financial Planning (FSAEAAAO)

akta.pro secondary industries

Broker-Dealer Affiliated Wealth Advisory (FSAEABAB), Trust & Estate Tax Planning & Compliance (FSAEAKAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Personal & Family Trust Services (FSAAANAA)

Keywords

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

Headquarters

HQ city

Glen Echo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Securities and Investment Advisory Services: Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Law & Associates, Inc. The firm operates as an independent registered investment adviser under the Raymond James umbrella, earning advisory fees and/or commissions on financial products and planning services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Law & Associates delivers personalized wealth management and financial planning services to individuals, families, and small business owners, including asset management, retirement planning, risk management/insurance, legacy and estate planning, education funding, divorce planning, small business planning, cash flow management, and tax planning. Securities transactions are channeled through Raymond James Financial Services, while investment advisory services are provided directly by Law & Associates, Inc. as an independent registered investment adviser.

Product overview

Law & Associates Wealth Management and Planning is a financial advisory firm operating as an independent branch of Raymond James, offering a comprehensive suite of wealth management services. The core offering consists of integrated financial planning services including Asset Management, Retirement Planning, Risk Management (insurance), Legacy and Estate Planning, Education Funding, Divorce Planning, Small Business Planning, Cash Flow Management, and Tax Planning. These services are delivered through a three-step planning approach (Listen, Understand, Plan) and supported by client-facing digital platforms including Client Access (online portal), Instructional Videos, WorthWhile Magazine (Raymond James publication), and The Cottage (educational articles hub). The firm was founded in 1980 by Sally Law and is led by Chair/CEO Janice L. Henderson, CFP.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Management Customized asset management portfolio construction and ongoing monitoring process that considers client risk tolerance, investment time horizons, and systematic strategies to mitigate risk and optimize returns. Designed for individuals, families, and small business owners seeking personalized portfolio management.
• Retirement Planning Comprehensive retirement planning services covering accumulation, pre-retirement, and retirement lifestyle phases with tax-deductible contributions and tax-deferred earnings options. For individuals and families preparing for or transitioning into retirement.
• Risk Management Insurance programs including automobile, homeowners, umbrella, health, disability, long-term care, life insurance, and annuities designed to protect clients and provide tax and wealth transfer benefits. Targets individuals and families seeking coordinated risk protection.
• Legacy and Estate Planning Estate planning services including review and preparation of wills, trusts, powers of attorney, living wills, and beneficiary designation analysis with charitable giving considerations. For individuals and families planning wealth transfer and legacy outcomes.
• Education Funding and Savings Decisions Education savings planning including 529 savings plans, 529 prepaid plans, Coverdell Education Savings Accounts, and UGMA/UTMA custodial accounts. For families seeking to fund education expenses for dependents.
• Divorce Planning Financial support during divorce using Certified Divorce Financial Analyst (CDFA) services to analyze property division, tax issues, pension matters, and future financial scenarios. For individuals navigating divorce-related financial planning needs.
• Small Business Planning Business owner services including retirement and benefit plan development, valuation analyses, and company insurance coverage. For small business owners seeking integrated personal and business financial planning.
• Cash Flow Management Tools and scenarios for managing ongoing cash needs and analyzing projections. For individuals and families seeking to optimize day-to-day and long-term cash flow planning.
• Tax Planning Tax projection review and analysis at scheduled meetings to ensure clients are well-prepared each year. For individuals and families seeking coordinated tax planning alongside their wealth management.
• Client Access 24/7 online access platform for Raymond James accounts enabling clients to view statements, trade confirmations, tax documents, deposit checks via mobile app, and manage paperless delivery preferences. For clients of Law & Associates managing their investment accounts.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Raymond James Financial Services, Inc.coreChannel Partner/ Reseller/ DistributorLaw & Associates operates as an independent branch of Raymond James. Securities are offered through Raymond James Financial Services, Inc. (member FINRA/SIPC), and investment advisory services are provided through Law & Associates, Inc. The partnership provides access to comprehensive financial products, research, trading infrastructure, and compliance support while maintaining the firm's independent advisory approach.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Others

• Wealth Management Bull: Smaller independent RIA providing fee-only financial planning services — comparable in scale and approach to Law & Associates' boutique advisory model, suitable for competitive benchmarking.

Broad incumbents

• Hightower Advisors: RIA platform partnering with independent wealth management firms to provide comprehensive financial planning and family office services — comparable consolidation path and service offering for boutique firms like Law & Associates.
• Edelman Financial Engines: Large-scale RIA serving individuals and families with comprehensive financial planning, investment management, and workplace financial wellness — comparable service portfolio but much larger scale.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting independent financial advisors with planning tools and back-office services — comparable hybrid model to Law & Associates' independent RIA operating under a larger broker-dealer.
• Focus Financial Partners: Partnership model for independent RIAs and wealth management firms, offering M&A and operational support — directly comparable consolidation vector for boutique advisory firms like Law & Associates seeking scale.
• Carson Group: RIA platform supporting independent advisors with planning technology, practice management, and back-office infrastructure — comparable business model to Law & Associates' Raymond James branch relationship, including wealth management, retirement, and estate planning offerings.
• Creative Planning: Full-service independent RIA offering comprehensive financial planning, estate planning, and tax services — directly comparable to Law & Associates' integrated planning approach but at significantly larger scale and national footprint.
• Mariner Wealth Advisors: Large national RIA platform providing comprehensive wealth management, estate planning, and retirement services to individuals and families — competing with Law & Associates for high-net-worth clients but at much larger scale and across multiple geographies.

Direct peers

• Pure Financial Advisors: Fee-only RIA offering comprehensive retirement planning, asset management, and tax planning services — comparable target market of affluent individuals and families seeking personalized financial planning.
• Buckingham Strategic Wealth: Mid-sized independent RIA offering comprehensive fee-only financial planning, asset management, and retirement planning for individuals and families — closely comparable in target market and service mix to Law & Associates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/lawandassociates
• LinkedInlinkedin.com/company/law-&-associates-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Law & Associates Wealth Management and Planning