CFK Financial
CFK Financial is a privately-held, founder-led financial advisory practice in Atlanta that delivers retirement planning, investment advisory, and insurance products to thousands of pre-retiree and retiree households. The firm is available in all 50 states and operates on a 100% repeat and referral business model.
- Company typePrivate
- Founded2017
- HeadquartersAtlanta, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What CFK Financial does
CFK Financial is a privately-held, single-location financial advisory practice headquartered in Atlanta, Georgia, founded in 2017 by Frank Kelly. The firm delivers a unified retirement planning service built around three pillars: Income Planning, Investment Management, and Milepost Planning, augmented by analytical tools (RetireworX, Results in Advance Planning with Monte Carlo simulations) and a proprietary-style portfolio monitoring system (WealthGuard™) sourced through FormulaFolio Investments. Investment advisory services are delivered through Retirement Wealth Advisors, Inc. (RWA), a Registered Investment Advisor, with Frank Kelly serving as Investment Advisor Representative under a fiduciary standard.
The firm's service offering extends beyond advisory into fixed insurance products (Multi-Year Guaranteed Annuities, life insurance, long-term care insurance, Medicare supplements) and enhanced services coordinated through a referral network of estate planning, tax, and long-term care specialists. The customer base comprises thousands of pre-retiree and retiree households, primarily built through repeat and referral business since inception. The company is licensed to serve clients across all 50 states via in-person, phone, and Zoom consultations, and has been profitable since launch.
Revenue is generated through a mix of fee-based investment advisory services (recurring) and insurance product commissions (transactional). The practice is entirely founder-led with 1-10 employees, 100% organic growth, and a marketing strategy built on referrals, public workshops, content (Forbes.com article with over 10,000 views), and earned media (TV/radio appearances). Frank Kelly holds a Series 65 Securities License, Life/Accident & Sickness Insurance License, and credentials including MDRT, Top of the Table, and the 2025 Five Star Wealth Manager award.
CFK Financial firmographics
Firmographics- Name
- CFK Financial
- Legal name
- CFK Financial Services, LLC
- Website
- https://cfkfinancial.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CFK Financial is a privately-held, founder-led financial advisory practice in Atlanta that delivers retirement planning, investment advisory, and insurance products to thousands of pre-retiree and retiree households. The firm is available in all 50 states and operates on a 100% repeat and referral business model.
- Ownership category
- akta.pro rank
CFK Financial industry classification
Industry- Product category
- Retirement Planning Services
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
- akta.pro secondary industries
- Comprehensive Financial Planning (FSAEAAAA), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
Keywords
Where CFK Financial is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CFK Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Investment Advisory Services: Fee-based investment advisory services offered through Retirement Wealth Advisors, Inc. (RWA), a Registered Investment Advisor. Frank Kelly serves as Investment Advisor Representative.
- Fixed Insurance Products: Annuity and insurance products including multi-year guaranteed annuities (MYGAs), life insurance, long-term care insurance, and Medicare supplements. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time | Complimentary initial retirement analysis |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
CFK Financial product offering
Product offeringCore offering
CFK Financial is a single-location retirement planning practice that delivers income planning, investment management, and milepost planning services to pre-retirees and retirees. Investment advisory services are delivered by Frank Kelly as an Investment Advisor Representative through Retirement Wealth Advisors, Inc. (RWA). The practice also offers insurance products such as Multi-Year Guaranteed Annuities (MYGAs) and Medicare Supplement Insurance, and coordinates ancillary services including estate planning, tax planning, and long-term care planning through a network of professional partners.
Product overview
CFK Financial is a single-location financial advisory practice offering a unified retirement planning service built around three core pillars: Income Planning, Investment Management, and Milepost Planning. The company provides comprehensive retirement analysis tools (RetireworX and Results in Advance Planning) and enhanced services including estate planning, tax preparation, and long-term care planning through a network of professional partners. A notable add-on is WealthGuard™, a portfolio monitoring system for downside risk management. The practice also offers insurance products including Multi-Year Guaranteed Annuities (MYGA) and Medicare Supplement Insurance. Services are delivered through Investment Advisor Representative Frank Kelly via Retirement Wealth Advisors (RWA), with all revenue historically generated from repeat and referral business.
Differentiator
Problem solved
Functional benefit
Products and services
- Income Planning
- Investment Management
- Milepost Planning
- WealthGuard Portfolio Monitoring
- Multi-Year Guaranteed Annuity (MYGA)
- Estate Planning Coordination
- Tax Planning & Preparation
- Long Term Care Planning
- Medicare Supplement Insurance
Quantifiable outcome
- Nearly tripled recurring revenue in 2020 compared to previous year
- +2 more outcomes
Companies that use CFK Financial
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles1 record
CFK Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CFK Financial partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Retirement Wealth Advisors, Inc. (RWA)coreInvestment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA), a Registered Investment Advisor. Frank Kelly serves as an Investment Advisor Representative with RWA. RWA is not affiliated with CFK Financial. The partnership provides access to comprehensive investment advisory services and portfolio management capabilities.
- FormulaFolio InvestmentscoreWealthGuard™ portfolio monitoring system is provided through FormulaFolio Investments. The system helps protect clients from downside risk by sending alerts when account values hit targeted downside thresholds.
- Julianna Burrall, Attorney at LawminorGeorgia estate planning and tax attorney with over 25 years of legal experience. Provides estate planning, probate administration, tax law, elder law, family business succession planning, small business formations, and personal and business taxation services to CFK Financial clients.
- Bill Cleary, CPAminorBill Cleary provides tax planning and preparation services to CFK Financial clients. Concurrent to his private CPA practice, he mentors and educates at Kennesaw State University as Adjunct Professor of Accounting. Former Navy veteran with career at Price Waterhouse and Equifax.
- Belen HickmanminorLong-term care insurance specialist working with A-rated carriers. Provides individual and spousal/significant other discount plans, executive carve-out and employee/worksite applications, and tax-qualified and state partnership plans.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
CFK Financial competitors and assessment
Company assessmentBroad incumbents
- Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering retirement planning, investment management, and financial planning to individuals nationwide. Comparable target market and service mix, but at vastly greater scale with proprietary technology and corporate backing.
- Fisher Investments: Large independent RIA managing portfolios primarily for high-net-worth individuals and retirees. Comparable in serving individual investors with discretionary portfolio management, but at institutional scale with proprietary research and global macro capabilities.
- Vanguard Personal Advisor Services: Vanguard's hybrid robo-plus-human advisory service offering retirement planning, investment management, and ongoing advice at low fees. Comparable target market and services, but with massive scale and brand recognition — a primary competitive threat to small advisory practices like CFK.
- Schwab Wealth Advisory: Charles Schwab's fee-based advisory service offering retirement and investment planning with CFP-led advice. Comparable in serving the same pre-retiree/retiree audience with fiduciary planning, but as part of a much larger brokerage ecosystem with bundled trust and custodial services.
Emerging players
- Betterment: Leading robo-advisor offering automated retirement planning, tax-loss harvesting, and goal-based portfolios. Comparable in targeting retirement savers and decumulators, but with a fully digital model that competes on price rather than personalized human advisory relationships.
- Facet Wealth: Digital-first RIA providing flat-fee comprehensive financial planning to individuals and retirees. Comparable in targeting the same pre-retiree/retiree demographic with a fee-based planning model, but delivered via technology rather than in-person advisory relationships.
Direct peers
- Carson Group / Carson Wealth: Independent advisor network focused on serving individual investors with retirement, investment, and financial planning services. Directly comparable business model — fee-based fiduciary advisory with holistic retirement planning — but at significantly greater scale, offering a template for CFK's potential multi-advisor build-out.
- Brookstone Capital Management: Independent RIA formed via the 2020 merger of FormulaFolios and Brookstone Capital Management with over $6.5B AUM; provides model portfolios, market commentary, and advisor support — overlapping with CFK's technology partner FormulaFolio. Directly comparable RIA supporting independent financial advisors.
- Retirement Wealth Advisors, Inc. Registered Investment Advisor through which Frank Kelly delivers his investment advisory services; RWA provides the back-office RIA infrastructure that CFK relies on and was named a Top 100 Wealth Manager in 2019. Directly comparable as a small-to-mid RIA focused on retirement planning for individuals and families.
Regional players
- AMG National Trust Bank: Independent wealth management firm offering retirement planning, investment management, and trust services primarily to high-net-worth individuals. Comparable comprehensive retirement-adjacent service offering, with similar fiduciary orientation though serving a higher-end client tier.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CFK Financial social profiles
Digital presenceCFK Financial compliance and trust
Trust signalCompliance8 records
CFK Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
CFK Financial leadership team
Management profileNumber of profiles
Profiles1 record
CFK Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CFK Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CFK Financial
What does CFK Financial do?
CFK Financial is a single-location retirement planning practice that delivers income planning, investment management, and milepost planning services to pre-retirees and retirees. Investment advisory services are delivered by Frank Kelly as an Investment Advisor Representative through Retirement Wealth Advisors, Inc. (RWA). The practice also offers insurance products such as Multi-Year Guaranteed Annuities (MYGAs) and Medicare Supplement Insurance, and coordinates ancillary services including estate planning, tax planning, and long-term care planning through a network of professional partners.
Is CFK Financial a public or private company?
CFK Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CFK Financial founded?
CFK Financial was founded in 2017. It employs 1 to 10 people.
Where is CFK Financial based?
CFK Financial is headquartered in Atlanta, United States, in the North America region.
How does CFK Financial make money?
Two revenue lines are on record. Investment Advisory Services are the primary driver. The others are fixed Insurance Products.
Who are CFK Financial's main competitors?
Broad incumbents on record are Edelman Financial Engines, Fisher Investments, Vanguard Personal Advisor Services and Schwab Wealth Advisory. Emerging players are Betterment and Facet Wealth. Direct peers are Carson Group / Carson Wealth, Brookstone Capital Management and Retirement Wealth Advisors, Inc.. AMG National Trust Bank is listed as a regional player.
Does CFK Financial have an API?
No public API is recorded for CFK Financial.
What industry is CFK Financial in?
CFK Financial's product category is Retirement Planning Services. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory, with a secondary code of FSAEAAAA, Comprehensive Financial Planning. Its NAICS code is 523940 and its SIC code is 6282.