What Clute Wealth Management does

Clute Wealth Management is a privately held, SEC-registered investment advisory firm (RIA Firm ID 126619) founded in 1984 and headquartered in Plattsburgh, New York, with a second office in South Burlington, Vermont. The firm delivers fee-based financial planning and investment management services to individuals, families, young professionals, retirees, and small business owners in the Champlain Valley region and across 24 U.S. states where it is registered to transact securities. It does not develop proprietary technology; all advisory operations are conducted through LPL Financial as broker-dealer and RIA custodian.

Core service offerings include comprehensive financial planning (goal-setting, budgeting, cash-flow analysis, retirement and estate planning) and investment management (portfolio construction, asset allocation, risk assessment, ongoing rebalancing). The firm overlays specialized advisory practices — Services for Women in Transition (a registered service mark covering divorce, widowhood, career changes and inheritance), Services for Business Owners (succession and exit planning), and dedicated Retiree and Young Professional tracks — supported by a content marketing function comprising the "Money and You" blog, "Lakeside Chats" webinar series, and a "Financial Toolkits" resource library. The professional team consists of three CFP® credentialed principals (Christina Ubl, who additionally holds the CDFA®, Heidi Clute, Adam Robert) and four additional team members.

The business model is fee-based advisory, billed primarily on an annual cadence, with pricing customized to client complexity, asset levels, and scope of services. Customer acquisition is sales-led and relationship-driven, augmented by content marketing, webinars, and an active social media presence (Facebook, LinkedIn, X, YouTube). Distribution is delivered through one-on-one advisor-client engagements, both face-to-face at the two physical offices and remotely via phone across its 24-state registered footprint. The firm is independently owned by its principals; no external PE/VC/parent ownership, no funding rounds, no M&A activity, and no public revenue disclosure are present in the source data.

Name

Clute Wealth Management

Legal name

Clute Wealth Management, LLC

Website

https://clutewealthmanagement.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1–10 employees

Short description

Clute Wealth Management is an SEC-registered investment advisory firm in Plattsburgh, NY, providing fee-based financial planning and investment management to individuals, families, retirees, business owners, and women in transition across 24 U.S. states via LPL Financial.

Ownership category

akta.pro rank

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

Keywords

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

Headquarters

HQ city

Plattsburgh

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Fee-based financial planning and investment management services delivered through licensed professionals (CFP®, CDFA®, CEPA®). Services are personalized to individual client needs across life stages including retirement planning, investment management, estate planning, and business owner services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Clute Wealth Management is an independent registered investment advisory firm that provides fee-based financial planning and investment management services delivered by licensed CFP®, CDFA®, and CEPA® professionals. The firm offers life-stage-based advisory services tailored to individuals, retirees, families, young professionals, business owners, and women in transition, with securities execution and custody provided through LPL Financial.

Product overview

Clute Wealth Management is a registered investment advisory firm offering a unified suite of wealth management services. The core offering centers on Financial Planning and Investment Management, supplemented by specialized services targeting distinct life stages and demographics: Services for Individuals (with specific focus on women in transition), Retirees, Families, Young Professionals, and Business Owners. The firm also provides a Financial Toolkit with downloadable planning resources and the Money and You educational blog. A key differentiator is the registered service mark 'Financial Strategies for Women in Transition®' addressing the unique financial needs of women facing major life changes. All services are delivered through LPL Financial as the broker/dealer, with SEC-registered investment advisory operations.

Differentiator

Problem solved

Functional benefit

Brands

• Financial Strategies for Women in Transition®: A registered service mark of Clute Wealth Management providing financial planning services specifically designed for women experiencing life transitions such as divorce, widowhood, career changes, or inheritance.

Segments6 records

Ideal customer profiles6 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Creative Planning: Large independent RIA offering comprehensive financial planning, investment management, and specialized services to individuals and business owners. Comparable as a fee-based, partner-led RIA serving mass-affluent and HNW clients across multiple U.S. states, though at substantially greater scale.
• Carson Group: RIA and partner-owned wealth management firm offering financial planning, investment management, and business coaching services. Comparable as a partner-led, fee-based RIA serving individuals and business owners with a focus on holistic life-stage planning.
• Mercer Advisors: National RIA focused on comprehensive financial planning, investment management, and tax preparation for individuals and small business owners. Comparable as a planning-centric, fee-based RIA with strong business owner and retirement income specialties.
• Mariner Wealth Advisors: Independent RIA providing financial planning, investment management, and tax services to individuals, families, and business owners. Comparable in core offering (planning-led, fee-based advisory across life stages) but at a much larger, multi-office scale.

Broad incumbents

• Raymond James Financial: Diversified financial services firm with a large independent advisor channel. Comparable in that many of its independent advisors deliver the same fee-based financial planning, retirement, and investment management services Clute provides, but at significantly greater scale and through a publicly traded parent.
• Edward Jones: National financial services firm with thousands of branch-based advisors delivering financial planning, retirement, and investment management to mass-affluent and HNW clients. Comparable in relationship-based, advisor-led delivery to retail clients across the U.S., but with materially greater scale and a branch-office footprint.
• Edelman Financial Engines: Large independent RIA combining traditional advisor-led financial planning with a digital planning engine. Comparable as a planning-centric RIA serving mass-affluent and HNW individuals and business owners, with a hybrid advice model that blends advisor relationships with technology-enabled delivery.
• Ameriprise Financial: Large diversified financial services firm with a national advisor network providing financial planning, investment management, and retirement income strategies. Comparable in client base and planning-led service model, but with a much broader product shelf and brand footprint.
• Focus Financial Partners: Leading RIA consolidator and partnership platform for independent wealth management firms. Comparable in that its partner firms deliver the same services Clute provides (financial planning, investment management, retirement and estate planning), but Focus operates as a much larger platform with hundreds of affiliated RIAs.

Emerging players

• Facet Wealth: Hybrid digital RIA combining a tech platform with dedicated CFP® professionals to deliver financial planning and investment management to mass-affluent clients. Comparable in targeting mass-affluent individuals with planning-led services, but with a digitally enabled, lower-fee structure that competes with traditional RIA pricing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/clutewealthmgmt
• YouTubeyoutube.com/@CluteWealthManagement
• Facebookfacebook.com/Clute-Wealth-Management-671813322920664
• LinkedInlinkedin.com/company/6555477?trk=tyah&trkInfo=tarId%3A1421696048583%2Ctas%3Aclute%20wealth%20mana%2Cidx%3A1-1-1

Compliance5 records

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 Clute Wealth Management