Jacobs Financial Services

What Jacobs Financial Services does

Jacobs Financial Services is a privately held retirement planning and financial advisory firm founded in 2010 and headquartered in Grandville, Michigan. The firm serves individuals primarily aged 50 and above who are approaching or already in retirement, with a secondary focus on higher-net-worth individuals and business owners. Its core service offering is built around the proprietary Jacobs Retirement Roadmap™ methodology, a three-step process (Dream, Minimize Risk, Maximize Retirement) that addresses the three pillars of retirement planning: Income, Legacy, and Growth. Complementary services include Social Security optimization, Medicare planning coordination, estate planning, tax-efficient withdrawal strategies, Fixed Indexed Annuity advisory, and risk management against market volatility.

The firm operates five physical office locations across Michigan (Grandville, Norton Shores, Lansing, Kalamazoo, and Livonia) complemented by virtual consultations, serving West Michigan and Metro Detroit markets. Its product portfolio includes the Retirement Roadmap methodology, three founder-authored educational books (Retirement Wake Up Call, Fearless Retirement, Retirement Domination), Retirement Bootcamp seminars, a Retirement Readiness online assessment, and a Referral Rewards Program. Revenue is generated through fee-based and commission-based advisory services, with commission income specifically tied to placement of fixed and fixed-indexed annuity products from third-party insurance carriers. The customer acquisition model is event-driven and field-sales-led, anchored by educational bootcamps, a blog, social media presence, client appreciation events, and a structured referral program, with no third-party distribution channels.

Name

Jacobs Financial Services

Legal name

Jacobs Financial Services, LLC

Website

https://jacobsfs.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Jacobs Financial Services is a privately held Michigan-based retirement planning advisory firm serving pre-retirees and retirees aged 50+ across five Michigan offices, using its proprietary Jacobs Retirement Roadmap™ methodology to deliver income, legacy, and growth planning supported by annuity product placement.

Ownership category

akta.pro rank

Product category

Retirement Planning Advisory

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retirement planning services
• Financial advisory services
• Annuity products
• Retirement income planning
• Estate planning

Headquarters

HQ city

Grandville

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Fee-based or commission-based financial advisory services for retirement planning. The firm creates personalized retirement strategies using various insurance products including fixed annuities, fixed-indexed annuities, and related products to suit individual needs and objectives. Services include retirement income planning, estate planning, tax strategies, Medicare planning coordination, and risk management.
2. Fixed and Fixed-Indexed Annuity Products: Sale of fixed insurance products including fixed annuities and fixed-indexed annuities that provide principal protection, growth potential linked to market indices, tax-deferred growth, and optional lifetime income riders. Revenue is generated through commissions on insurance products placed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Jacobs Financial Services is a Michigan-based retirement planning advisory firm that delivers personalized retirement strategies through its proprietary Jacobs Retirement Roadmap™ three-step process (Dream, Minimize Risk, Maximize Retirement). The firm advises individuals age 50+ on retirement income planning, estate planning, tax strategies, Medicare planning coordination, and places fixed and fixed-indexed annuity products to provide guaranteed lifetime income.

Product overview

Jacobs Financial Services operates as a retirement planning advisory firm offering a unified suite of financial planning services centered on their proprietary Jacobs Retirement Roadmap methodology. The core offering consists of a three-step planning process (Dream, Minimize Risk, Maximize Retirement) addressing income, legacy, and growth aspects of retirement. The firm complements their advisory services with educational content including three books authored by founder Tom Jacobs (Retirement Wake Up Call, Fearless Retirement, Retirement Domination), a Retirement Planning Bootcamp seminar, and various assessment tools including the Retirement Readiness Quiz. Additional services include Medicare education, annuity advisory, and estate planning guidance, along with a client referral rewards program. The firm serves clients across multiple Michigan locations through both in-person consultations and virtual appointments.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Advisory Services

Quantifiable outcome

• Guaranteed income strategies that cannot be outlived through annuity income streams
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Lauri Veneman / Pathway AdvisingcoreGTM or Marketing PartnerJacobs Financial Services maintains a vetted Vendor Referral List and specifically refers clients to Lauri Veneman, Independent Advisor with Pathway Advising, for Medicare Supplements and Medicare Advantage Plans. Lauri specializes in helping Medicare-eligible individuals navigate plan options with a personal, no-fee approach. This is a strategic referral partnership providing holistic retirement planning coordination.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creative Planning: Independent wealth and retirement planning firm serving high-net-worth and mass-affluent households with comprehensive financial planning. Comparable comprehensive retirement planning offering.
• Edward Jones: Large U.S. advisor-led financial services firm serving individual investors with retirement, investment, and insurance planning through a branch network. Directly comparable to Jacobs' advisor-led, branch-based retirement-income model.
• Cambridge Investment Research: Independent broker-dealer supporting thousands of advisors serving retirement, wealth, and insurance clients. Directly comparable independent advisor platform with retirement-income emphasis.
• Cetera Financial Group: Network of independent financial advisors providing retirement planning, advisory, and insurance solutions to individuals. Similar independent advisor model with retirement-income focus.

Broad incumbents

• Athene Holding: Leading issuer of fixed and fixed-indexed annuities focused on retirement savings and income. Directly comparable FIA product set, though Athene is a carrier, not an advisory practice.
• Allianz Life: Major U.S. issuer of fixed and fixed-indexed annuities plus retirement planning tools. Comparable annuity product core and retirement-income target market, but at carrier scale rather than advisor scale.
• Waddell & Reed Financial: Diversified financial advisory firm serving individuals with retirement planning, investment, and insurance products. Comparable in target customer and product mix, generally at larger scale.
• Ameriprise Financial: Diversified financial advisory and wealth management firm offering retirement planning, advisory, insurance, and annuities through thousands of advisors. Comparable in customer segment and product mix, but at national scale.
• New York Life: Mutual insurance and financial services firm offering life insurance, annuities, and retirement/wealth planning through a large advisor force. Comparable in pairing advisory with insurance/annuity products for retirement clients.

Regional players

• D.A. Davidson: Regional financial services firm headquartered in the West/Midwest serving individual and institutional clients with advisory, retirement, and wealth planning. Comparable regional retail advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Jacobs_FS
• YouTubeyoutube.com/@JacobsFS
• Facebookfacebook.com/JacobsFinancial
• LinkedInlinkedin.com/company/jacobs-financial-services
• Instagraminstagram.com/jacobsfinancialservices

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 Jacobs Financial Services