401 Financial

What 401 Financial does

401 Financial, LLC is a privately-held Registered Investment Advisor founded in 2022 and headquartered in San Diego, operating under the leadership of President & Founder Tyrone V. Ross Jr., CIO Erik Smith, and COO Amber McLeod. The firm offers a single subscription-based financial planning service called 'Financial Alignment,' priced at a flat $500 per month with no account minimums, designed to replace the traditional percentage-based AUM fee structure. Its service covers the full financial picture — cash, debt, real estate, investments — and uniquely includes guidance on crypto assets, positioning the firm as what its founder describes as the 'most crypto-forward RIA' in the country.

The company is built on third-party infrastructure rather than proprietary technology: Kubera powers the client portal, Typeform handles intake and surveys, and Google Analytics supports web analytics. Client access is mobile-first with on-demand advisor availability, contrasting with the conventional 2-4 meetings per year model. The firm explicitly targets underserved and underrepresented communities, with dedicated segments for women and next-generation investors.

401 Financial monetizes exclusively through recurring monthly subscriptions distributed across individual retail clients, supplemented by an advisor network recruitment channel. Go-to-market is direct-to-consumer and community-led, driven by organic social media (Twitter, Instagram, LinkedIn, YouTube), an email newsletter, content marketing, and The Big Reveal Podcast Series hosted by advisor Suzanne Siracuse. The firm is founder-owned with no disclosed venture capital, private equity investment, or institutional ownership. No funding rounds, acquisitions, or major corporate events are documented in the available sources.

Name

401 Financial

Legal name

401 Financial, LLC

Website

https://401financial.co

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Subscription: Flat-rate monthly subscription model at $500 per month. Replaces traditional percentage-based AUM fees. Includes access to all financial planning services, advisor access, and resources with no minimum account size requirement.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

401 Financial provides subscription-based financial planning and advisory services under its "Financial Alignment" methodology, priced at $500 per month with no account minimums. The service delivers real-time analysis of a client's full financial picture—including cash, debt, investments, real estate, and cryptocurrency assets—via mobile-first access with on-demand advisor availability. It replaces traditional percentage-based AUM fees with a flat monthly subscription and serves individuals from underserved and underrepresented communities.

Product overview

401 Financial operates as a single, unified financial planning service built around its 'Financial Alignment' methodology. The offering is a subscription-based advisory service priced at $500/month with no account minimums, providing tailored financial planning across the client's entire financial picture—from cash and debt management to real estate—alongside guidance on cryptocurrency assets. Clients access services entirely through their mobile phones, with direct advisor access available anytime, anywhere. The company charges a flat monthly fee in lieu of traditional percentage-based AUM (assets under management) fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Alignment Service A people-first subscription-based financial planning service that provides real-time analysis of the client's full financial picture—including cash, debt, investments, real estate, and cryptocurrency assets—delivered via mobile-first access with on-demand advisor availability. Offered at $500 per month with no minimums, no hidden charges, and unlimited access to resources and advisors.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Facet: Flat-fee, subscription-style financial planning firm without account minimums. Directly comparable to 401 Financial's $500/month model and accessibility-focused value proposition aimed at mass-affluent consumers.
• Zoe Financial: Online marketplace matching consumers with vetted fiduciary financial advisors, including those specializing in crypto and next-gen wealth. Comparable in advisor-network recruitment strategy and modern advisor-client matching approach.
• Stash: Subscription-based investing and financial guidance app targeting beginning and next-generation investors. Comparable in pricing model (monthly subscription), accessibility focus, and emphasis on financial education and literacy.
• Ellevest: Subscription-based digital financial planning platform focused on women and underserved investors. Highly comparable to 401 Financial in target demographic, flat-fee pricing philosophy, and emphasis on financial planning over AUM-based wealth management.

Broad incumbents

• Betterment: Largest independent digital RIA in the US, offering automated and hybrid advice to mass-affluent consumers. Comparable to 401 Financial as a digital wealth management platform serving similar client segments, though broader in scale and product set.
• Personal Capital (Empower): Hybrid digital RIA offering financial planning tools and advisor-led wealth management to mass-affluent consumers. Comparable in full financial picture planning (cash, debt, investments, real estate) and digital dashboard experience.
• Wealthfront: Automated investment and financial planning platform serving young and mass-affluent investors. Comparable to 401 Financial in digital-first, low-fee positioning and target next-gen demographic.

Emerging players

• Onramp Invest: Advisor-focused platform providing crypto education and allocation tools for RIAs serving crypto-interested clients. Comparable to 401 Financial in serving the intersection of traditional financial advice and crypto-asset allocation, though operating as a B2B platform rather than direct-to-consumer.
• Modern Wealth Management: RIA focused on serving high-earning next-generation clients with personalized planning. Comparable to 401 Financial in target demographic (young professionals, next-gen wealth) and emphasis on planning over legacy AUM models.
• Savvy Wealth: Tech-enabled RIA platform building digital infrastructure for modern financial advisors. Comparable to 401 Financial in serving a new generation of advisors and clients, though focused on advisor software rather than direct-to-consumer planning.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat3 records

Customer concentration

• Xx.com/401Financial
• LinkedInlinkedin.com/company/401financial
• Instagraminstagram.com/401_Financial
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 401 Financial