Stoddard Financial

What Stoddard Financial does

Stoddard Financial, LLC is a privately held registered investment advisor founded in 2004 by Kevin Stoddard, CFA, and headquartered at 6 Baker Road in Medfield, Massachusetts. The firm provides comprehensive wealth management built on a Four Pillars framework covering investment management, estate planning, tax strategies, and risk management. Its target clients are retirees and pre-retirees in the New England region with investable assets greater than $500,000, with stated focus on blue-collar workers and tradespeople who have accumulated savings but lack investment sophistication.

The firm's core technology platform is delivered through LPL Financial, which provides brokerage, custody, and regulatory infrastructure. On top of this platform, Stoddard Financial layers proprietary methodologies including portfolio stress testing across 50+ market scenarios, seven model investment solutions with custom options, drift parameter monitoring for portfolio alignment, and cost basis recovery analysis. The onboarding process is structured around four sequential appointments (introduction, needs assessment, summary/presentation, and action meeting), followed by a two-year review cycle. No mobile app, public API, or proprietary software platform exists; the only digital client touchpoint is the LPL-provided Account View portal.

The business model is fee-based advisory and securities services revenue, billed on a recurring subscription-style cadence with fees not publicly disclosed. Go-to-market is sales-led and event-driven: the firm uses a four-appointment direct sales process, a Financial Wellness @ Work program delivered at employer worksites, and an extensive blog and email newsletter for top-of-funnel engagement. The management team consists of a single principal (Kevin Stoddard), indicating a solo-practitioner or very small advisory operation. The firm holds no patents, has no disclosed funding, no M&A activity, and no institutional ownership.

Name

Stoddard Financial

Legal name

Stoddard Financial, LLC

Website

https://stoddardfinancial.net

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Stoddard Financial is a privately held registered investment advisor in Medfield, MA, founded in 2004 by Kevin Stoddard, CFA, providing fee-based wealth management across investment, estate, tax, and risk planning for retirees and pre-retirees in New England with $500K+ in investable assets.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Wealth management services
• Retirement planning
• Investment advisory
• Estate planning
• Tax planning strategies

Headquarters

HQ city

Medfield

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

Revenue model

1. Fee-Based Investment Management: Advisory services offered through LPL Financial platform. Clients receive customized financial strategies and comprehensive wealth management. Fee-based portfolios are monitored with drift parameters.
2. Securities and Advisory Services: Securities and advisory services offered through LPL Financial, a Registered Investment Advisor and broker-dealer. Revenue generated from advisory fees and securities transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Stoddard Financial is a registered investment advisory firm that delivers comprehensive wealth management through a 'Four Pillars' framework: investment management, estate planning, tax strategies, and risk management. Services are targeted at retirees and pre-retirees in the New England region with investable assets greater than $500,000 and are executed via the LPL Financial brokerage and advisory platform under a fee-based, recurring advisory engagement model with a multi-meeting onboarding and review process.

Product overview

Stoddard Financial provides comprehensive wealth management services built on a Four Pillars framework: Investment Management, Estate Planning, Tax Strategies, and Risk Management. The firm offers personalized retirement planning with services including portfolio management (with seven model solutions and custom options), estate planning coordination, tax efficiency strategies, and insurance needs analysis. Supplementary offerings include a downloadable Retirement Lifestyle Workbook, an employer-sponsored Financial Wellness @ Work program, and client access to the LPL Financial Account View portal. The firm specializes in serving retirees and pre-retirees with investable assets over $500,000 in the New England area.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Comprehensive investment management for retirees and pre-retirees, including portfolio risk assessment, seven pre-built model investment solutions plus custom model options, portfolio monitoring using drift parameters, and stress testing with over 50 economic scenarios to project potential outcomes.
• Estate Planning Estate planning coordination including review of existing estate documents (wills, living wills, healthcare proxies, durable power of attorney, trusts), attorney meeting attendance, asset retitling services, and beneficiary designation review for IRAs and life insurance.
• Tax Strategies Tax planning services including income tax projections, proactive tax planning, cost basis recovery for stock portfolios, and Social Security taxability analysis to minimize the tax burden on retirement income.
• Risk Management Insurance needs analysis including homeowners and auto coverage review, future health care cost assessment, life and disability insurance audits, and long-term care needs review.
• Financial Wellness @ Work Program Educational and interactive workplace program delivered at worksites or online to help employees pursue financial wellness, understand their benefits package, and generate leads for Stoddard Financial's advisory services.

Quantifiable outcome

• Social Security makes up 20% - 50% of retirement income for middle-income couples, often upwards of $500,000 in lifetime benefits

Named customers4 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• LPL FinancialcoreTechnology or IntegrationSecurities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. LPL is one of the nation's leading financial services companies and publicly traded under ticker symbol LPLA. The firm provides the technology platform, brokerage services, and regulatory infrastructure for Stoddard Financial's advisory practice. LPL does not offer proprietary investment products or engage in investment banking activities.
• Network of Tax and Legal ProfessionalscoreImplementation/ SI/ Consulting PartnerStoddard Financial works with a network of well-vetted and trusted financial, tax, and legal professionals. They can refer clients to tax preparers and estate attorneys as needed for comprehensive financial planning. The firm coordinates with these professionals to implement client financial plans.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: National retail wealth advisory franchise with deep mass-affluent and retiree client base — competes with Stoddard for the same $500K+ retiree demographic through local advisor offices.
• Ameriprise Financial: Diversified wealth and retirement advisory firm serving mass-affluent clients with planning, investment, and insurance solutions — overlapping client segment with Stoddard but operating at vastly greater scale with multi-channel delivery.
• Edelman Financial Engines: Large-scale RIA specializing in retirement-plan participants and mass-affluent retirees via combined digital and advisor-led delivery — comparable target market and retirement focus, but at far greater scale than Stoddard.

Direct peers

• Plante Moran Financial Advisors: Fee-only RIA offering investment, tax, estate, and retirement planning to individuals and business owners — comparable in goals-based, multi-pillar planning approach to retiree/pre-retiree clients.
• Savant Capital Management: Mid-sized fee-only RIA providing investment management and comprehensive financial planning for individuals and families — directly comparable in service breadth and mass-affluent focus.
• Modera Wealth Management: Fee-only RIA providing comprehensive retirement, tax, and estate planning to mass-affluent individuals — closely comparable to Stoddard in client archetype, planning scope, and recurring fee model.
• Buckingham Strategic Wealth: Registered investment advisor focused on fee-only retirement and tax planning for mass-affluent households, using a goals-based planning framework — directly comparable in mission, client profile, and delivery to Stoddard Financial.
• Creative Planning: Large, fee-only RIA providing holistic retirement and wealth management to mass-affluent households — directly comparable on comprehensive financial planning positioning, though significantly larger than Stoddard.
• Carson Wealth: RIA serving mass-affluent and retirement-age clients with comprehensive wealth management, planning, and tax services — comparable in size, target segment, and four-pillar style offering to Stoddard.

Others

• LPL Financial: Public broker-dealer and custodian (LPLA) that provides the brokerage, advisory, and platform infrastructure underlying Stoddard Financial — included as a structural ecosystem dependency rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/in/kevin-stoddard
• Xx.com/stoddardfinllc

Compliance5 records

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 Stoddard Financial