One Pacific Financial Strategies

What One Pacific Financial Strategies does

One Pacific Financial Strategies is an independent financial advisory firm headquartered in Carlsbad, California, with additional offices in Brea, California, and Carmel, Indiana. Founded in 2020 by Derek M. McDougall, the firm serves individuals, families, and privately-held business owners with a relationship-based advisory model built around a four-step process: Discovery and Financial Organization, Recommendations and Risk Assessment, Implementation, and Review and Maintenance. Approximately 14 team members, including founder-managing partner Derek M. McDougall, COO Erin M. Cox, and a bench of partners, executive advisors, and support staff, deliver personalized strategies spanning financial planning, asset management, retirement planning, risk management, estate planning, business succession, and tax efficiency. The firm is not venture- or private-equity-backed; ownership is concentrated with founding management and named partners, and it is licensed in California (CA Insurance License #0E94275).

The core product set consists of Financial Planning and Asset Management Services and Risk Management and Insurance Services, supplemented by a digital client experience layer branded as ONE (ONE Vault via Box for secure document access, ONE Portfolio via RightCapital, ONE Plan for strategy review, and ONE Custodian for account access), plus an educational Resource Center with articles, a video library, and interactive financial calculators. The firm operates on third-party platforms rather than proprietary technology, with distribution and product access anchored by a General Agency appointment with OneAmerica Financial insurance companies and securities distribution through OneAmerica Securities, Inc. (FINRA/SIPC). A network of strategic alliances (AssetMark, Envestnet, Morningstar, Brinker Capital, Prudential, Lincoln Financial, Jackson, Equitable, MaxOut Brokerage, Jurs Montgomery, and others) extends carrier and platform reach.

Revenue is generated through three streams: professional-services fees from comprehensive financial planning and asset management advisory work; commissions on insurance products (life, disability income, long-term care, health) sold through the OneAmerica Financial General Agency relationship; and securities-related compensation on retirement accounts and investment products distributed through OneAmerica Securities, Inc. Pricing is quote-based and not publicly disclosed, varying with scope of services and investment amounts. The go-to-market is direct and sales-led: advisors pursue clients through face-to-face meetings, ongoing relationship management, and content marketing via the website's resource center, video library, and financial calculators, with no disclosed use of paid acquisition or channel partnerships beyond traditional referral networks.

Name

One Pacific Financial Strategies

Legal name

One Pacific Financial Strategies

Website

https://onepacificfs.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

One Pacific Financial Strategies is an independent financial advisory firm headquartered in Carlsbad, California, with additional offices in Brea, CA, and Carmel, IN. Founded in 2020 by Derek M. McDougall, the firm provides financial planning, asset management, retirement planning, and risk management services to individuals, families, and privately-held business owners through a team of approximately 14 advisors.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Financial planning services
• Asset management
• Risk management advisory
• Retirement planning
• Wealth advisory

Headquarters

HQ city

Carlsbad

HQ country

United States

HQ region

North America

Offices3 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: Revenue generated through comprehensive financial planning and asset management advisory services. The firm provides personalized financial strategies including asset management, retirement planning, risk management, and estate planning services to individuals, families, and privately-held businesses.
2. Insurance Products: As a General Agency appointed with OneAmerica Financial insurance companies, the firm earns commissions on insurance products including life insurance, disability income insurance, long-term care insurance, and health insurance products sold to clients.
3. Securities Products: Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor and Member FINRA/SIPC. The firm provides access to investment products and retirement accounts including 401(k) plans and IRAs.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

One Pacific Financial Strategies is a financial advisory firm that provides financial planning, asset management, risk management, retirement planning, estate planning, and business planning services to individuals, families, and privately-held businesses. The firm partners with OneAmerica Financial for insurance products and OneAmerica Securities for securities distribution, enabling an integrated approach to client wealth and risk management needs.

Product overview

One Pacific Financial Strategies offers a comprehensive financial services platform centered on personalized financial planning and wealth management advisory services. The core offering consists of Financial Planning & Asset Management Services and Risk Management & Insurance Services, supplemented by client-facing service tools including ONE Vault (Client Secure Portal), ONE Portfolio, ONE Plan, and ONE Custodian. The firm also provides educational resources including a Resource Center with articles, videos, and financial calculators. Services span asset management, retirement planning, risk management, estate planning, business planning, and tax strategies, delivered through a team of financial advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• ONE Vault A secure document storage and client information management service within the firm's advisory offering, providing clients with centralized access to financial documents and planning resources.
• ONE Portfolio Investment management service providing personalized portfolio construction, asset allocation, and ongoing investment oversight for clients.
• ONE Plan Comprehensive financial planning service that addresses retirement, tax, estate, and personal wealth planning needs for individuals and families.
• ONE Custodian Custodial services component that houses and safeguards client assets as part of the firm's integrated advisory offering.
• Risk Management Services Insurance and risk mitigation advisory service providing life, disability, and long-term care coverage solutions sourced through the OneAmerica Financial partnership.
• Estate Planning Services Estate and legacy planning service helping clients structure wealth transfer strategies, trusts, and beneficiary arrangements.
• Business Planning Services Business planning advisory service for privately-held businesses covering executive benefits, succession planning, and business continuation strategies.

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• OneAmerica FinancialcoreStrategic or Co-development PartnerOne Pacific Financial Strategies is a General Agency appointed with the insurance companies of OneAmerica Financial. The firm chose to work with OneAmerica because they are a historic stable firm known for flexibility and stability, providing essential support for the firm's success.
• OneAmerica Securities, Inc.coreChannel Partner/ Reseller/ DistributorSecurities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. The firm provides access to investment products and retirement account solutions through this partnership.
• EquitableminorStrategic or Co-development PartnerCorporate alliance partner providing retirement and investment products.
• JacksonminorStrategic or Co-development PartnerCorporate alliance partner providing annuity and retirement income solutions.
• Lincoln Financial GroupminorStrategic or Co-development PartnerCorporate alliance partner providing insurance and retirement solutions.
• PrudentialminorStrategic or Co-development PartnerCorporate alliance partner providing investment and insurance products.
• OneMidwestminorStrategic or Co-development PartnerInsurance and financial services agency using a distinct macro-economic process with clients, helping them understand financial concepts and dynamics for personalized financial roadmaps.
• Engage WellnessminorGTM or Marketing PartnerWellness partner helping create healthy habits, manage stress, and support employee well-being for business clients.
• MaxOut BrokerageminorChannel Partner/ Reseller/ DistributorPremier Brokerage General Agency empowering advisors with freedom to choose products most suitable for clients' needs through access to diverse insurance and financial solutions.
• Employer 401K SolutionsminorStrategic or Co-development Partner401(k) plan professional offering comprehensive service standards for established or brand new retirement plans.
• Succession CapitalminorStrategic or Co-development PartnerFinancial services firm focused on equipping clients with information needed to make educated decisions about their financial well-being, providing forward-thinking solutions.
• The Pinnacle GroupminorStrategic or Co-development PartnerForward-thinking financial services firm committed to finding innovative ways to serve clients while respecting traditional industry values.
• Jurs Montgomery BrokerageminorChannel Partner/ Reseller/ DistributorBrokerage General Agency providing producers with resources of large competitors combined with high-touch service of a boutique firm, offering complete back office support for insurance needs.
• Long Term Care TreeminorChannel Partner/ Reseller/ DistributorSince 1999, the leading source for objectively comparing all blue-chip Long Term Care Insurance companies side-by-side, providing traditional and hybrid LTC insurance quotes, rates, reviews, and ratings.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Equitable Advisors: Large insurance-led wealth management firm whose financial advisors deliver integrated life insurance, retirement, and advisory services — analogous insurance+advisory business model at much larger scale.
• Carson Group: Wealth management firm and advisor support platform offering financial planning, investment, and insurance solutions to advisors and their clients — comparable partner-equity and integrated planning model.
• Northwestern Mutual: Iconic insurance-and-investment integrated firm with a network of financial advisors delivering life insurance, disability, and wealth management — same insurance-led planning model at national scale.
• Mariner Wealth Advisors: National wealth advisory firm offering financial planning, investment, tax, and estate services to individuals and business owners — comparable comprehensive-planning value proposition at scale.
• Creative Planning: Large national RIA providing comprehensive financial planning and investment management to individuals and business owners — directly comparable service scope, much larger scale.

Direct peers

• Buckingham Strategic Wealth: Mid-sized RIA providing comprehensive financial planning, investment management, and tax services to individuals and business owners — directly comparable mid-market planning-led advisory.
• Kestra Financial: Independent wealth management platform supporting independent financial advisors with insurance, securities, and investment solutions through subsidiaries — comparable independent-advisor business model.
• Cetera Financial Group: Independent broker-dealer and RIA support platform that offers financial advisors access to securities, insurance, and advisory products — closely paralleling One Pacific's General Agency-plus-broker-dealer model.
• Cambridge Investment Research: Independent broker-dealer and RIA supporting financial advisors with a broad product shelf including insurance and advisory services — directly comparable independent-advisor infrastructure.
• One Capital Management: Independent, partner-led wealth advisory firm providing comprehensive financial planning and investment management to high-net-worth individuals and business owners — close comparable in scale and structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OnePacificFS
• LinkedInlinkedin.com/company/one-pacific-financial-strategies

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 One Pacific Financial Strategies