What GoTo-Financial does

GoTo-Financial is a fee-only registered investment adviser (GoTo Financial, Inc.; CRD/IARD #155948) headquartered in Westlake Village, California, providing concierge wealth management services to middle-class millionaire households. The firm operates under a pure fiduciary, fee-only compensation model — it sells no products, earns no transaction commissions or sales loads, and receives no referral kickbacks; advisory fees are negotiable and set individually in each client's advisory agreement. Its stated customer is the household seeking a single, high-touch advisory relationship that centralizes investable assets, planning, estate considerations, and insurance review, addressing the pain points of conflicted commission-based advice and fragmented financial relationships.

The service stack is delivered through a written advisory agreement and comprises portfolio management with bond expertise (via the affiliated BuyUSABonds.com offering), goals-based planning (retirement, education, charity, legacy), estate and tax planning coordination, business succession, risk assessment, and concierge support including document scanning, secure storage, and personalized cash distributions. Client assets are custodied at Charles Schwab, with online account access delivered through the Schwab Alliance platform. The firm also operates AssetPlanet.com as a proprietary web-based software platform offering Organizer (accounts, documents, financial life), Planner (goals-based planning), and Protector (safeguards and monitoring) modules, included to clients at no additional cost.

Commercially, the firm pursues a sales-led, high-touch concierge model — direct advisor relationships with flexible scheduling, contact initiated through website forms and phone outreach, and a content/education-driven website as the primary marketing channel. Operations are domestic-only (United States), with no disclosed headcount, revenue, AUM, or funding; ownership remains private under the principals. The firm files Form ADV Part 2A with California DFPI/SEC, providing the principal regulatory disclosure of its business practices and fees.

Name

GoTo-Financial

Legal name

GoTo Financial, Inc.

Website

https://goto-financial.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

GoTo-Financial is a fee-only fiduciary registered investment adviser in Westlake Village, California, providing concierge wealth management, planning, and portfolio services to middle-class millionaire households, supported by its proprietary AssetPlanet.com platform and Charles Schwab custody.

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

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Concierge wealth management
• Fee-only advisory
• Fiduciary financial planning
• Registered investment adviser
• Portfolio management services

Headquarters

HQ city

Calabasas

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. Fee-only Advisory Services: Pure fee-only compensation model where the only revenue is the advisory fee paid directly by clients. No products are sold, no transaction commissions, sales loads, or referral kickbacks are received from third parties. Advisory fees are negotiable and set in each client's advisory agreement.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

GoTo-Financial is a fee-only registered investment adviser providing concierge wealth management services for households with significant investable assets ("middle-class millionaires"). The firm delivers personalized fiduciary advisory including investment management, financial planning, estate/tax/insurance reviews, business succession, and legacy stewardship through dedicated advisor relationships. Services are supported by a proprietary software platform, AssetPlanet.com, included at no additional cost.

Product overview

GoTo Financial operates as a unified concierge wealth management firm rather than a modular platform. The core offering is personalized fiduciary advisory services for middle-class millionaires, supplemented by proprietary software tools. AssetPlanet.com serves as the technology platform providing three integrated modules: Organizer for document management, Planner for goals-based financial planning, and Protector for security monitoring. BuyUSABonds.com handles specialized bond investment services. All services are delivered through advisor-client relationships with no products sold or commissions earned, maintaining pure fiduciary alignment.

Differentiator

Problem solved

Functional benefit

Brands

• BuyUSAbonds.com: Bond expertise platform operated by GoTo-Financial principals.
• AssetPlanet.com

Products and services

• GoTo Financial Concierge Wealth Management Fee-only fiduciary concierge wealth management service for middle-class millionaire households providing comprehensive financial advisory including investments, planning, and legacy stewardship with personalized concierge attention. Delivered through dedicated advisors with flexible scheduling and 24/7 account access via Charles Schwab Alliance.
• AssetPlanet.com Platform Proprietary web-based software platform for Organizing, Planning, and Protecting client financial assets, with Organizer, Planner, and Protector modules. Made available to GoTo Financial clients at no additional cost.
• BuyUSABonds.com Bond expertise service operated by GoTo-Financial principals, focusing on individual bond ownership as a core foundation of portfolio management rather than ETFs or mutual funds.

Quantifiable outcome

• 17% of high-net-worth individuals report advisory experience felt seamless and personalized (Capgemini research cited)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Charles SchwabcoreTechnology or IntegrationClient assets are custodied at Charles Schwab. GoTo-Financial is not affiliated with Charles Schwab & Co., Inc., other than as custodian of client assets. Clients receive online access to accounts via Schwab Alliance platform 24 hours a day, 365 days a year.
• AssetPlanet.comcoreOthersGoTo-Financial's proprietary software company providing web-based platforms for Organizing, Planning, and Protecting client financial assets. Available to clients at no additional cost. Includes Organizer, Planner, and Protector modules.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Direct peers

• Aspiriant: Fee-only wealth management firm serving HNW individuals with concierge-level planning and investment services. Closely comparable to GoTo-Financial's emphasis on personalized advisor relationships and comprehensive financial life management.
• Moneta Group: Fee-only RIA delivering comprehensive financial planning and investment management to HNW households. Directly comparable to GoTo-Financial in concierge service model, fee-only compensation, and comprehensive planning architecture.
• Savant Capital Management: Privately held fee-only RIA offering wealth management, tax, and estate planning to individuals and families. Comparable fee-only fiduciary model serving similar middle-class millionaire demographic with concierge relationships.
• Buckingham Strategic Wealth: Fee-only fiduciary RIA serving mass-affluent and HNW households with goals-based planning and concierge service. Very close analog to GoTo-Financial's value proposition of unconflicted advice and comprehensive planning.
• Mariner Wealth Advisors: Large fee-based RIA consolidator offering comprehensive wealth management to high-net-worth households. Directly comparable to GoTo-Financial in service scope (planning, investments, estate, tax) but operates at significantly greater scale and with PE backing.
• Creative Planning: National fee-only RIA providing holistic wealth management to households of substantial means. Closely comparable business model and middle-class millionaire target segment, though at substantially larger AUM scale.

Broad incumbents

• Edelman Financial Engines: Large independent financial planning and investment management firm serving mass-affluent and HNW households. Comparable in fiduciary advisory focus, though operates at significantly greater scale with hybrid digital-plus-advisor model.
• Carson Group: RIA platform and wealth management firm serving advisors and their clients. Comparable in offering fee-based advisory and planning services, though operating as a scaled platform with advisor-network distribution model.
• Fisher Investments: Large privately held investment adviser serving HNW clients and institutional accounts. Comparable in being a private RIA, though much larger in scale and more focused on discretionary portfolio management than concierge financial planning.
• Focus Financial Partners: RIA roll-up and partnership platform aggregating wealth management firms. Comparable only at the broader RIA-industry level, as Focus is a consolidator and capital partner rather than a single competing advisory practice.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/goto-financial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 GoTo-Financial