What Stiba Wealth Management does

Stiba Wealth Management is a privately held, family-owned registered investment advisory firm headquartered in Waco, Texas, founded in 1978 by Ernie Stiba. The firm employs approximately six professionals across investment advisory, operations, and marketing functions, delivering wealth management, financial planning, retirement planning, tax planning, estate planning, and insurance services (disability income, life, and long-term care). It operates securities and investment advisory services through Integrity Alliance, LLC (Member SIPC) and integrates third-party technology platforms — Betterment for digital portfolio management with automated tax-loss harvesting, and Riskalyze for quantitative risk assessment — to supplement its in-person advisory process.

The firm targets four customer segments: entrepreneurs and executives, peak-career professionals, pre-retirees and retirees, and high-net-worth individuals, with the latter two designated as primary. Its go-to-market is sales-led and relationship-driven, relying on community involvement (e.g., Mission Waco partnership, 14-year Christmas Toy Drive), client events and seminars, educational content, and personal referrals rather than paid acquisition. The revenue model combines fee-based advisory services, securities transaction commissions, and insurance licensing commissions; no public fee schedule is disclosed, with pricing determined through individual consultation.

The business is geographically concentrated in Waco and surrounding McLennan County, Texas, with all activity limited to U.S. residents and constrained to states in which representatives are registered. There is no public revenue disclosure, no institutional or PE backing, and no parent company. The current operating leadership reflects a multi-generational succession, with Eric Stiba (son of the founder) joining as Partner/Investment Advisor in 2008 after graduating from Texas Tech. Recent strategic activity has centered on technology partnerships (Betterment, Riskalyze) and co-marketing arrangements with institutional asset managers (City National Rochdale, Capital Group, Clark Capital) rather than on geographic or product expansion.

Name

Stiba Wealth Management

Legal name

Stiba Wealth Management

Website

https://stibawmg.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

1–10 employees

Short description

Stiba Wealth Management is a privately held, family-owned RIA in Waco, Texas, founded in 1978, offering wealth management, financial planning, retirement planning, tax planning, estate planning, and insurance services to individuals and HNW households primarily in central Texas, operating through Integrity Alliance, LLC and integrating Betterment and Riskalyze platforms.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

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

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Wealth management services
• Retirement planning
• Investment advisory
• Financial planning services
• Insurance solutions

Headquarters

HQ city

Waco

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, Others

Revenue model

1. Investment Advisory Services: Fee-based advisory services offered through Integrity Alliance, LLC (Member SIPC). Provides investment management, financial planning, and retirement planning services.
2. Securities Commissions: Securities and investment advisory services generate commission revenue through transaction-based activities.
3. Insurance Products: Offers disability income insurance, life insurance, and long-term care insurance through group licensing, earning commissions on policy sales.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Stiba Wealth Management is an investment advisory firm offering comprehensive wealth management, financial planning, retirement planning, tax planning, estate planning, and insurance products (disability income, life, and long-term care). Services are delivered through personalized advisor relationships and supported by Betterment's digital investment platform and Riskalyze risk-assessment technology, with securities offered through Integrity Alliance, LLC.

Product overview

Stiba Wealth Management is a financial advisory firm founded in 1978 offering a comprehensive suite of wealth management services. The core offerings include Wealth Management (portfolio construction and risk management), Financial Planning (retirement, tax, 401k, 403b, college, estate planning), and Insurance Services (disability income, life, and long-term care). The firm enhances its services with specialized tools including Betterment Investment Tools for digital portfolio management and Portfolio Risk Analysis powered by Riskalyze technology. Clients access accounts through a dedicated client portal. The firm serves diverse investor profiles including entrepreneurs, executives, peak career professionals, pre-retirees, retirees, and high-net-worth individuals.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive portfolio construction and risk management services that help clients build and protect wealth through personalized investment strategies, with securities offered through Integrity Alliance, LLC.
• Financial Planning Professional financial planning service covering retirement planning, tax planning, 401k and 403b planning, college plans, estate plans, money purchase plans, and profit sharing plans for individuals and families.
• Insurance Services Insurance product distribution offering disability income insurance, life insurance, and long-term care insurance to help protect clients' household financial security, sold via group licensing.
• Betterment Investment Tools Digital investment platform offered through Stiba Wealth Management featuring no account minimums, no hidden fees, individualized portfolios, mobile app access, strong encryption with multi-factor authentication, and tax-coordinated portfolios with automated tax-loss harvesting.
• Portfolio Risk Analysis Risk assessment service using Riskalyze technology built on a Nobel Prize-winning framework to mathematically pinpoint each client's Risk Number and align their portfolio to match their investment goals and expectations.
• Client Portal Online client login and account management portal hosted at login.bdreporting.com, allowing clients to access accounts and financial information.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, strategic and minor.

• Integrity Alliance, LLCcoreTechnology or IntegrationSecurities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is the marketing name for Integrity Alliance. This is the primary registered broker-dealer and investment advisory platform through which Stiba Wealth Management operates.
• BettermentcoreTechnology or IntegrationInvestment platform partnership providing digital portfolio management with no account minimums, no hidden fees, individualized portfolios, mobile app, and automated tax-loss harvesting. Clients access through dedicated advisor links.
• RiskalyzecoreTechnology or IntegrationAward-winning risk engineering technology that mathematically pinpoints clients' Risk Numbers and aligns portfolios to match. Built on Nobel Prize-winning framework for quantitative risk assessment.
• City National RochdalestrategicStrategic or Co-development PartnerCo-host market update events with Stiba Wealth Management. Provides economic insights, recession analysis, inflation data, and portfolio positioning guidance for clients.
• Capital GroupminorStrategic or Co-development PartnerPartner for Q1 Market Outlook events. Capital Group has been working with advisors since 1931 and is one of the largest investment management organizations managing $2.2 Trillion as of June 2022.
• Mission WacostrategicGTM or Marketing PartnerLong-standing community partner for charitable initiatives. Proceeds support Mission Waco's Creekside Community Development providing low-cost housing to homeless in McLennan County with dedication to housing veterans.
• Home InsteadminorOthersEvent venue host for Wealth and Health community event in February 2023.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Edward Jones: Large U.S. financial-services firm with a branch-based, advisor-led model serving individual investors with wealth management, retirement, and insurance products. Directly comparable to Stiba's relationship-led, community-rooted wealth advisory offering at far greater scale.
• Wealth Enhancement Group: Independent RIA platform serving HNW and mass-affluent clients with retirement planning, tax, and investment solutions through local advisor offices. Closely comparable community-advisor RIA model to Stiba.
• Cetera Financial Group: Independent advisor support platform offering wealth management, retirement, and insurance through affiliated advisor firms. Directly comparable independent-advisor distribution and integrated service structure.
• Commonwealth Financial Network: Independent broker-dealer and RIA support firm for advisor-led practices delivering financial planning, investments, and insurance. Comparable independent-advisor operating model and full-service offering.
• Mariner Wealth Advisors: Independent RIA providing comprehensive wealth advisory including retirement, tax, estate, and insurance planning. Similar holistic planning value proposition and HNW client focus as Stiba.
• Creative Planning: Large independent RIA providing comprehensive wealth management, retirement, tax, and estate planning to HNW individuals. Comparable suite of planning services and HNW focus, though at a much larger scale than Stiba.

Broad incumbents

• Ameriprise Financial: National wealth management and advisory firm offering comprehensive financial planning, investment management, and insurance through a network of franchise advisors. Comparable diversified service set (wealth, retirement, insurance) to Stiba Wealth Management.
• Fisher Investments: Large independent investment management firm primarily serving HNW private clients with portfolio management and retirement strategies. Comparable HNW/retiree target market, though heavily portfolio-focused versus Stiba's planning-led model.
• Stifel Financial: Public full-service broker-dealer and wealth manager offering investment advisory, retirement, and insurance. Comparable broad wealth/retail-advisory business delivered through a national advisor network.
• Raymond James Financial: Public diversified financial services firm with advisor-led wealth management, retirement planning, and insurance offerings. Comparable full-stack financial advisory suite and independent-architect distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/StibaWealthManagementGroup
• LinkedInlinkedin.com/company/stiba-wealth-management

Compliance2 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 Stiba Wealth Management