Aval Financial Strategies & Insurance Solutions

What Aval Financial Strategies & Insurance Solutions does

Aval Financial Strategies & Insurance Solutions, Inc. is a privately held boutique financial advisory practice headquartered at 550 S Winchester Blvd, Suite 405, San Jose, California, founded and run by sole financial advisor Hadi Ahmadi Aval. The firm delivers personalized financial planning, investment advisory, and insurance solutions through affiliations with New York Life Insurance Company, NYLIFE Securities LLC (FINRA/SIPC), and Eagle Strategies LLC (a New York Life RIA). Its service catalog spans personal financial planning (estate, retirement, wealth management), business owner solutions (succession, key-person, executive benefits), a dedicated physician/dentist vertical, investment management programs (Fund Advisory, SMAs, Rep Directed), and a full life insurance and annuity suite plus AARP-endorsed long-term care products.

The underlying technology stack is conventional rather than proprietary: financial planning is delivered through eMoney, the client-facing experience is an eMaplan / NYL wealth management portal, and investment research and portfolio construction are supported by New York Life Investment Management LLC (NYLIM) and MainStay Funds. The firm's go-to-market is sales-led and advisor-driven, with a six-step planning process (Review, Analyze, Develop, Coordinate, Implement, Monitor) executed through face-to-face consultations and supported by content marketing, educational blog and newsletter output, and online appointment scheduling. No AI/ML systems, proprietary platforms, or in-house engineering are present in the disclosed information.

The revenue model blends commission-based insurance and annuity production through New York Life and affiliated carriers with fee-based investment advisory revenue from Eagle Strategies programs. The firm is licensed to solicit insurance in 11 states (AZ, CA, GA, HI, MA, NC, NV, NY, OR, TX, WA) and to provide advisory services in 16 states (AZ, CA, CO, FL, HI, ID, IL, MA, NC, NM, NV, NY, OR, TX, UT, WA). Headcount is reported at 1–10 employees, the company is not funded through external capital, and there are no disclosed financials, AUM figures, or production volumes.

Name

Aval Financial Strategies & Insurance Solutions

Legal name

Aval Financial Strategies and Insurance Solutions, Inc.

Website

https://avalfinancial.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Aval Financial Strategies & Insurance Solutions is a San Jose-based boutique financial advisory practice that provides personalized financial planning, investment advisory, and insurance solutions to high-net-worth professionals, business owners, and physicians/dentists through affiliations with New York Life, NYLIFE Securities, and Eagle Strategies.

Ownership category

akta.pro rank

Product category

Financial Advisory & Insurance Services

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (52421)

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

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Financial planning services
• Insurance and annuities
• Investment advisory
• Retirement planning
• Estate planning

Headquarters

HQ city

San Jose

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

Revenue model

1. Insurance Products and Annuities: Hadi Ahmadi Aval is licensed to sell insurance through New York Life Insurance Company and various other independent insurance companies. Products include life insurance (whole life, term life, universal life, variable universal life, survivorship life), annuities (fixed deferred, lifetime income, variable deferred), and long-term care insurance including AARP products.
2. Securities Products and Investment Advisory: Registered Representative of NYLIFE Securities LLC, Member FINRA/SIPC. Offers securities products and services including investment advisory services through Eagle Strategies LLC, a Registered Investment Adviser. Revenue generated through advisory fees and securities commissions on investment products.
3. Financial Planning Services: Personalized financial planning services offered through Eagle Strategies LLC, providing comprehensive planning including retirement planning, estate planning, investment management, and business planning solutions. Fee-based advisory services for comprehensive financial planning.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Aval Financial Strategies & Insurance Solutions is a boutique financial advisory firm offering personalized financial planning, insurance, annuities, and investment advisory services to high-net-worth individuals, business owners, and professionals. Services span estate planning, retirement planning, business succession, executive benefits, and specialized planning for physicians and dentists, delivered through affiliated carriers New York Life Insurance Company, NYLIFE Securities LLC, and Eagle Strategies LLC.

Product overview

Aval Financial Strategies & Insurance Solutions offers a comprehensive suite of financial services through partnerships with New York Life Insurance Company and Eagle Strategies LLC. The firm provides personal financial planning (estate planning, asset protection, charitable planning, wealth management), business solutions (executive benefits, succession planning, key person insurance), and specialized services for physicians and dentists. Investment management is delivered through Eagle Strategies via Fund Advisory Program, Separately Managed Accounts, and Rep Directed Program. Insurance offerings include Whole Life, Term Life, Universal Life, Variable Universal Life, Survivorship Life, and various annuity products. The firm also offers AARP-endorsed insurance and long-term care products. A personal wealth management portal provides clients with consolidated account access and financial tracking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Solutions Comprehensive personal financial planning services for individuals and families covering estate planning, asset protection, charitable planning, disability and extended care needs, 401(k) and IRA rollovers, wealth management, and financial planning.
• Business Solutions Financial solutions for business owners including executive benefits, succession planning, key person insurance, buy-sell agreement funding, and deferred compensation funding strategies.
• Physician & Dentist Solutions Specialized financial planning services tailored for physicians and dentists, addressing unique financial situations including student loan management, disability insurance, practice transitions, and complex compensation structures.
• Investment Management Investment advisory services offered through Eagle Strategies LLC including Fund Advisory Program, Separately Managed Accounts (SMAs), and Rep Directed Program for portfolio management and wealth building.
• Life Insurance Products Life insurance products including Whole Life, Term Life, Universal Life, Variable Universal Life, and Survivorship Life insurance offered through New York Life Insurance Company.
• Annuity Products Annuity products including Fixed Deferred Annuities, Lifetime Income Annuities, and Variable Deferred Annuities designed for retirement accumulation and income generation.
• AARP Life Insurance & Long-Term Care AARP-endorsed life insurance and long-term care insurance products offered through New York Life, including AARP Guaranteed Acceptance Life, AARP Level Benefit Term Life, and AARP Permanent Life insurance.

Quantifiable outcome

• Clients gain confidence in their financial future through education and understanding

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• New York Life Insurance CompanycoreStrategic or Co-development PartnerParent company and primary insurance carrier. New York Life is a Fortune 100 company with over 180 years of history. Aval Financial operates as an independent agency affiliated with New York Life, selling insurance products and securities through affiliated entities. Hadi Ahmadi Aval is licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies.
• Eagle Strategies LLCcoreTechnology or IntegrationRegistered Investment Adviser and wholly owned subsidiary of New York Life. Provides comprehensive investment advisory services and financial planning to Aval Financial clients. Offers investment programs ranging from separately managed portfolios to mutual funds and third-party wealth management programs. Employs portfolio specialists, internal consultants, and financial planning specialists.
• NYLIFE Securities LLCcoreChannel Partner/ Reseller/ DistributorMember FINRA/SIPC, licensed insurance agency, and wholly-owned subsidiary of New York Life. Platform through which Hadi Ahmadi Aval offers securities products and services. Provides investment advisory sales and solutions support.
• Advanced Planning Group (APG)minorStrategic or Co-development PartnerPremier team at New York Life with expertise in legal, accounting, insurance, and business planning for high-net-worth individuals and businesses. Specializes in asset protection, capital asset risk, income taxation, income protection, retirement planning, and estate planning. Works with Aval Financial to develop holistic financial strategies for complex client needs.
• MainStay FundsminorChannel Partner/ Reseller/ DistributorMutual fund family available through NYLIM (New York Life Investment Management). Offered as investment option within Aval Financial client portfolios through the wealth management platform.
• AARPminorChannel Partner/ Reseller/ DistributorAARP partners with New York Life to offer life insurance and long-term care products to AARP members. Hadi Ahmadi Aval is an 'Authorized to Offer' agent for these products including AARP Guaranteed Acceptance Life, AARP Level Benefit Term Life, and AARP Permanent Life insurance.

Recent moves1 record

Expansion highlights5 records

Emerging players

• Cambridge Investment Research: Cambridge is a large hybrid RIA/independent broker-dealer supporting independent advisors who pair investment advisory with insurance and annuity solutions. It reflects the same RIA-plus-insurance distribution model Aval uses via Eagle Strategies and NYLIFE Securities.
• Commonwealth Financial Network: Commonwealth is an independent broker-dealer/RIA supporting hybrid advisors delivering financial planning, wealth management, and insurance to individuals and small businesses. Its hybrid practice model mirrors Aval's advisory-and-insurance go-to-market.

Broad incumbents

• Edward Jones: Edward Jones is a large retail advisory franchise targeting mass-affluent individuals and retirees with financial planning, investment, and insurance solutions. Its branch-based advisor model and retirement-income focus are directly comparable to Aval's high-net-worth professional segment.
• Northwestern Mutual: Northwestern Mutual operates a large captive advisor network distributing life insurance, annuities, and wealth management to individuals and business owners. It is comparable to Aval Financial as a broad incumbent offering the same insurance-plus-investment model through career advisors.
• MassMutual Financial Group: MassMutual combines a life insurance carrier with a captive/general agency distribution network that sells insurance, retirement, and investment products to professionals and families. It mirrors Aval's New York Life-affiliated, insurance-led advisory structure.
• Prudential Financial Advisors: Prudential distributes retirement, investment, and insurance products through a captive advisor channel. It parallels Aval's reliance on a major carrier's brand and product suite to serve professionals and pre-retirees with holistic planning.
• Focus Financial Partners: Focus Financial Partners is an RIA rollup acquiring independent and hybrid advisory firms serving high-net-worth clients. It represents the scaled strategic buyer that could acquire or compete with boutique practices like Aval.
• Mariner Wealth Advisors: Mariner is a large RIA providing comprehensive financial planning, investment management, and estate strategies to high-net-worth individuals and business owners. Comparable as a scaled competitor in the same HNW professional segment Aval serves.
• LPL Financial: LPL Financial is the largest independent broker-dealer, supporting thousands of advisors with investment, insurance, and planning tools. It represents the scaled IBD alternative to Aval's NYL-affiliated advisory channel.
• Cetera Financial Group: Cetera is a hybrid RIA/broker-dealer network serving independent financial advisors with wealth management, retirement, and insurance capabilities. Comparable as a multi-affiliate platform serving advisor practices similar to Aval.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/avalfinancial
• Facebookfacebook.com/AvalFinancialServiceAndInsuranceSolutionsInc
• LinkedInlinkedin.com/company/aval-financial-strategies-insurance-solutions-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Aval Financial Strategies & Insurance Solutions