What Larsen Wealth Management does

Larsen Wealth Management, LLC is a fee-only fiduciary Registered Investment Adviser founded in late 2005 by Roy Larsen, CFP®, AAMS®, and headquartered in Gainesville, Georgia. The firm serves a deliberately small client base of retirees and pre-retirees over age 50 with approximately $750,000 or more in investable assets, delivering comprehensive wealth-management services that bundle financial planning and discretionary investment management into a single all-inclusive fee. Service delivery is relationship-based and mobile: the firm operates via home visits, evening appointments, Regus co-working offices across the country, and Roy Larsen's Atlanta-area home office, abandoning a traditional physical office to meet clients where they are.

The firm's product stack is anchored by the LWM Family Wealth Map System, a proprietary client portal built on the Right Capital platform that provides account aggregation, a secure document vault, budget tracking, retirement income planning, Social Security optimization, and tax and estate guidance. Investment management is built on the Riskalyze risk-tolerance framework (grounded in Nobel prize-winning behavioral economics research) and executed through Charles Schwab custody, Envestnet separate accounts (with minimums reduced from $1M+ direct to $50K), Risk Number Model portfolios from Invesco, WisdomTree, and Inspire, and alternative investments for accredited investors through CAIS. Supporting tools include FP Alpha for tax drawdown optimization, Holistiplan for annual tax review, Helios Plans for subsidized estate documents, Kwanti for performance reporting, and Max My Interest for cash-yield rotation.

Revenue is generated entirely through tiered AUM-based advisory fees billed quarterly: 1.00% on the first $2,000,000, 0.75% on $2,000,001–$5,000,000, 0.50% on $5,000,001–$50,000,000, and 0.25% above $50,000,001, with no commissions and no blended rates. Go-to-market combines content marketing through investinretirement.net, community involvement (Atlanta Food Bank, Water.org, St. Jude), earned media (NYT and WSJ citations), referral networks, and an inside-sales phone consultation funnel.

Name

Larsen Wealth Management

Legal name

Larsen Wealth Management, LLC

Website

https://investinretirement.net

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Larsen Wealth Management is a fee-only fiduciary Registered Investment Adviser founded in 2005 by Roy Larsen, serving a small base of retirees and pre-retirees over age 50 with approximately $750,000 or more in investable assets through comprehensive wealth-management and mobile, relationship-based advisory services.

Ownership category

akta.pro rank

Product category

Wealth Management and Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

• Retirement planning
• Wealth management
• Financial planning
• Investment advisory
• Fiduciary services

Headquarters

HQ city

Gainesville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Under Management (AUM) Fees: Fee-only fiduciary firm charging percentage of assets under management. Fees are tiered based on total AUM: 1.00% on first $2,000,000, 0.75% on $2,000,001 to $5,000,000, 0.50% on $5,000,001 to $50,000,000, and 0.25% on $50,000,001 and above. Advisory fee is straightforward with no blended rates - lowest fee level applies to all assets.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Larsen Wealth Management provides a Comprehensive Wealth Management Service that bundles ongoing financial planning with discretionary investment management for retirees and pre-retirees over age 50 who have approximately $750,000 or more in investable assets. The all-inclusive fee covers balance sheet/budget planning, asset allocation, cash flow analysis, risk assessment, Social Security and Medicare optimization, tax planning, estate planning, long-term care strategy, and Monte Carlo analysis, with assets custodied at Charles Schwab and access to separate accounts, risk-number model portfolios, and alternative investments via Envestnet, CAIS, and partner platforms.

Product overview

Larsen Wealth Management offers a unified comprehensive wealth management platform centered on the Comprehensive Wealth Management Service, which bundles financial planning and investment management into a single all-inclusive fee. The core offering integrates several distinct products: the LWM Family Wealth Map System (client portal with account aggregation and document management built on Right Capital), Investment Management (discretionary portfolio management via Charles Schwab custodian), and Financial Planning (ongoing advisory covering tax, estate, insurance, and retirement planning). Investment options include Separate Accounts accessed through Envestnet, Risk Number Model Portfolios (Invesco, WisdomTree, Inspire), and Alternative Investments for accredited investors. The firm operates as a Fee-Only, fiduciary Registered Investment Advisor specializing in retirees and those near retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Wealth Management Service An all-inclusive wealth management package combining initial and ongoing financial planning with discretionary money management for retirees and pre-retirees over age 50. Includes the LWM Family Wealth Map System, tax planning, estate planning, insurance reviews, and investment management under one transparent AUM-based fee.
• Financial Planning Comprehensive ongoing financial planning covering balance sheet, budget, debt management, asset allocation, cash flow analysis, income harvesting strategy, Social Security optimization, Medicare consulting, long-term care strategy, estate planning, and Monte Carlo analysis. Sold as part of the comprehensive wealth management package for individual clients.
• Investment Management Discretionary portfolio management using custom asset allocation based on Riskalyze risk tolerance assessment. Includes separately managed accounts accessed through Envestnet, risk-number model portfolios, tactical and strategic models, and access to alternative investments for accredited investors.
• Tax Planning Tax minimization planning using FP Alpha for distribution-phase analysis and Holistiplan for annual Federal and State tax review, optimizing drawdown sequencing across pensions, Social Security, IRAs, and brokerage accounts to minimize lifetime taxes.
• Trust and Estate Planning Documents Complete trust and estate document package produced through Helios Plans, including family trust, POAs, healthcare directives, and pour-over will. Cost subsidized by LWM: $650 for accounts under $1M, $325 for accounts between $1M–$2M, and complimentary for accounts over $2M, versus typical attorney fees of $2,500+.
• Separate Accounts and Unified Managed Accounts Access to private money managers through Envestnet and Charles Schwab at minimums as low as $50,000 per manager (versus typical $1M+ direct minimums). Includes individual stock ownership, sector exclusions, and an optional Tax Overlay manager for tax-loss harvesting.
• Alternative Investments Access Access to alternative investments for accredited investors through CAIS, Envestnet, and Charles Schwab, including 1031 Exchange DSTs, Non-Traded REITs, Qualified Opportunity Zone Funds, and Business Development Companies.
• LWM Family Wealth Map System Proprietary client portal and personal financial website built on Right Capital that provides account aggregation, a secure document vault, budget and spending tracking, investment summaries, retirement income planning, Social Security optimization, tax planning, Medicare guidance, and estate planning tools.
• Risk Number Model Portfolios Custom and partner risk-number model portfolios built using Riskalyze technology and proprietary algorithms to select low-cost, risk-adjusted investments with back-tested performance and downside protection. Includes Invesco Pinnacle Series, US Factor Rotation, WisdomTree, and Biblically Based Inspire impact options.

Quantifiable outcome

• 95% confidence range for risk and return outcomes using Riskalyze technology
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Charles Schwab & Co., Inc.coreTechnology or IntegrationCharles Schwab serves as the custodian for all client assets. They hold client funds (advisors are not permitted to take custody of funds), provide administrative functions including money movement, trading, online account access, statements, and account openings. They also serve as a research partner and provide a dedicated service team to the firm.
• EnvestnetcoreTechnology or IntegrationThrough Envestnet, the firm accesses hundreds of money managers who specialize in multiple individual stock and bond strategies. Minimums typically as high as $1,000,000 are reduced to $50,000 per manager through this relationship. Envestnet also provides access to alternative investments including Business Development Companies, Private Equity Funds, Private Debt Funds, Private Placements, DSTs, and Opportunity Zone Funding.
• RiskalyzecoreTechnology or IntegrationRiskalyze provides state-of-the-art portfolio risk assessment software based on Nobel prize-winning studies in behavioral economics. The software helps determine true client comfort levels, tracks risk over time, and helps structure portfolios aligned with risk numbers. Used for both initial assessment and ongoing portfolio monitoring.
• Right CapitalcoreTechnology or IntegrationRight Capital provides the software and support for primary financial planning tools. They also provide clients with personal websites including account aggregators, financial status dashboards, and secure document vaults (LWM Family Wealth Map).
• CAIScoreTechnology or IntegrationCAIS provides access to alternative investments for accredited investors through their platform, making alternative investments more accessible and transparent.
• Atlanta Community Food BankminorOthersRoy Larsen volunteers monthly at Atlanta Community Food Bank. The food bank works to distribute over 60 million meals to more than 755,000 people in 29 counties across metro Atlanta and North Georgia.
• Water.orgminorOthersWater.org strives to end the cycle of poverty by bringing safe water and sanitation to the world through affordable loans.
• St. Jude Children's Research HospitalminorOthersSt. Jude Children's Research Hospital focuses on research and treatment to advance prevention and cure for pediatric catastrophic diseases. Treatment is never denied based on race, religion, or ability to pay.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Buckingham Strategic Wealth: Fee-only fiduciary RIA with a focus on evidence-based investing and flat-fee/tiered pricing for individual clients. Comparable to Larsen as a fee-only advisor serving mass-affluent and HNW households with comprehensive wealth planning.
• Facet Wealth: Digital-first fee-only fiduciary RIA serving HNW clients with flat-fee model and remote CFP® advisors. Comparable as a fee-only RIA offering remote/digital wealth planning aimed at mass-affluent and HNW households.
• OneSeven (formerly HoyleCohen): Boutique fee-only RIA with comprehensive wealth planning, tax, and estate services for HNW individuals and families. Directly comparable in business model (RIA, fee-only fiduciary, planning-led) and target client (pre-retiree/retiree mass-affluent).

Broad incumbents

• Edelman Financial Engines: Large fee-only registered investment advisor providing goal-based financial planning and asset management, with strong emphasis on retirement income planning. Closely comparable in retirement-planning focus and fee-only fiduciary model.
• New York Life Wealth Management Services: Insurance-integrated wealth manager with private wealth group offering retirement income, estate, and investment planning to HNW individuals. Comparable as a fiduciary-leaning wealth manager for retirees, though with insurance product roots.
• BMO Private Bank (Harris myCFO): Wealth management arm offering comprehensive financial planning, AUM-based fees, and retirement-income strategies to HNW clients. Comparable as a full-service fiduciary wealth manager for retirees with broader institutional backing.
• Creative Planning: Large national fee-only RIA offering comprehensive wealth management, tax planning, and estate services to HNW clients. Comparable product suite (comprehensive planning, AUM fees, retirement focus) at much greater scale.
• Schwab Wealth Advisory: Charles Schwab's fee-based advisory program offering portfolio management and financial planning to retail and mass-affluent clients. Comparable as custodian-adjacent RIA competitor serving the same $750K+ HNW cohort, sharing the same back-office stack.

Emerging players

• Personal Capital / Empower Personal Dashboard: Hybrid wealth management platform with tech-enabled advisory, retirement planning tools, and tiered AUM fees. Comparable retirement-planning and account-aggregation capabilities, competing for the same mass-affluent retiree household.

Others

• Right Capital (advisor platform used by peer firms): Financial planning software vendor used by RIAs for client portals and planning tools. Relevant as enabling infrastructure used by LWM, and indirect benchmark for tech-enabled RIA service delivery to HNW retirees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

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 Larsen Wealth Management