Agewise Financial

What Agewise Financial does

Agewise Financial, Inc. is a founder-owned, independent fiduciary advisory practice founded in 1999 by Craig Misuradze and headquartered in Palm Desert, California with a secondary office in Murrieta. The firm is registered as an investment adviser solely in the State of California and explicitly limits its advisory services to California residents. It serves pre-retirees and retirees in Southern California, addressing the transition from wealth accumulation to distribution, with a particular emphasis on guaranteed lifetime income strategies, tax planning, estate planning, and Social Security optimization.

The core product stack consists of three integrated components: (1) the 'Simple Retirement' Amazon best-selling book, which functions as a lead magnet and articulates seven core beliefs about retirement planning; (2) a proprietary hybrid virtual delivery format combining Zoom, Facetime, and screensharing with physical workbooks and exercises delivered over a 3-4 week 1:1 engagement; and (3) ongoing fiduciary retirement advisory services spanning tax, estate, investment, and lifetime income planning. An affiliated insurance products arm, with Cindy Misuradze (California life insurance licensed) handling client relations, provides life insurance distribution as a second revenue stream. There are no proprietary technology platforms, AI/ML capabilities, or mobile applications — the technology footprint is limited to commodity SaaS tools and a ClickFunnels-hosted marketing site.

The business model combines recurring advisory fees (modeled as subscription/recurring) with insurance product commissions. Prospect acquisition is driven primarily by content marketing around the 'Simple Retirement' book and RetireScribe blog, with a no-charge 15-minute consult followed by the multi-week structured onboarding process. The firm operates as a closely held family practice with no institutional investors, no external headcount scaling, and an explicit single-state regulatory ceiling.

Name

Agewise Financial

Legal name

Agewise Financial, Inc.

Website

https://agewisefinancial.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Agewise Financial is a California-registered, founder-owned fiduciary advisory practice founded in 1999 by Craig Misuradze, serving pre-retirees and retirees in Southern California with retirement distribution, lifetime income, tax, and estate planning delivered via a proprietary hybrid virtual 'Simple Retirement' methodology.

Ownership category

akta.pro rank

Product category

Retirement Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Tax-Aware Retirement & Estate Coordination (FSAEABAJ), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retirement planning services
• Fiduciary financial advisory
• Guaranteed lifetime income
• Retirement income planning
• Pre-retiree advisory

Headquarters

HQ city

Palm Desert

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Advisory services offered to clients in California, registered as an Investment Advisor in the State of California. The company emphasizes fiduciary duty and comprehensive retirement planning including tax planning, estate planning, investing, and retirement income strategies.
2. Insurance Products and Services: Insurance products and services are offered through Agewise Financial as an affiliated company, including life insurance. This provides an additional revenue stream alongside advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Agewise Financial, Inc. is a California-registered investment advisory firm that provides fiduciary retirement planning services to pre-retirees and retirees, primarily in Southern California. Its core offering combines the Amazon best-selling book 'Simple Retirement' (used as a lead magnet and educational resource), a proprietary 'Simple Retirement Hybrid Virtual Format' coaching program delivered over 3–4 weeks of 1:1 virtual/in-person sessions with custom workbooks, and ongoing fiduciary advisory services covering tax planning, estate planning, investment strategy, and guaranteed-lifetime-income planning. Insurance products are also offered through the firm as an affiliated company.

Product overview

Agewise Financial is a single-unit financial advisory practice offering retirement planning services. The core offering consists of three integrated components: (1) the 'Simple Retirement' Amazon best-selling book outlining 7 core beliefs about retirement planning, which serves as both marketing and client qualification tool; (2) the proprietary 'Simple Retirement Hybrid Virtual Format' — a 3-4 week coaching program combining virtual meetings (Zoom/Facetime/screensharing) with custom workbooks and exercises; and (3) ongoing fiduciary retirement advisory services covering tax planning, estate planning, investment strategy, and lifetime income planning. The service delivery follows a five-step process: free book → 15-minute chat → 1:1 planning sessions → execution support → ongoing coaching relationship.

Differentiator

Problem solved

Functional benefit

Brands

• Simple Retirement: A proprietary retirement planning methodology and book authored by Craig Misuradze, featuring a hybrid virtual format combining technology with physical workbooks and exercises.

Products and services

• Simple Retirement (Book) Amazon best-selling book that reveals the 7 simple steps for retirement planning, combining the latest research and science of income and financial planning with over twenty years of practitioner experience; used both as an educational resource and as a free lead magnet offered via simpleretirementbook.com (either free with free shipping or with shipping payment).
• Simple Retirement Hybrid Virtual Format Proprietary 1:1 retirement-planning coaching program for individual pre-retirees and retirees, delivered weekly over 3–4 sessions via a hybrid virtual/in-person format that combines Zoom, Facetime, and screensharing with physical workbooks and exercises; built from a custom syllabus refined over thousands of individual retirement plans.
• Retirement Advisory Services Ongoing fiduciary advisory engagement covering tax planning, estate planning, investing for greatest returns with least risk, and retirement income planning designed to last a lifetime; targeted at pre-retirees and retirees in California.

Quantifiable outcome

• Plans that have survived two of the biggest market downturns in stock market history
• +1 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Allworth Financial: Independent fiduciary financial advisory firm focused on retirement planning, wealth management, and estate planning for individuals and families. Closely comparable to Agewise Financial in target market (retirees/pre-retirees), fiduciary model, and consultative sales approach, though operating at meaningfully larger scale.
• Edelman Financial Engines: Large independent RIA specializing in retirement plan participant advice, retirement income planning, and wealth management. Comparable to Agewise Financial in retirement-specific focus area and fiduciary advisory model, though operating at vastly greater scale with employer-plan channels.
• Facet Wealth: Flat-fee, virtual-first financial planning firm offering retirement planning, tax planning, and investment advice to individuals nationwide. Comparable to Agewise Financial in fiduciary advisory services for individuals but uses a tech-enabled distributed-advisor model rather than a sole-practitioner model.

Broad incumbents

• Empower (formerly Personal Capital): Large hybrid wealth manager combining digital retirement/wealth tools with human advisor services, serving millions of retirement plan participants. Comparable to Agewise Financial in retirement-income and wealth advisory focus but at vastly larger scale with both direct-to-consumer and workplace channels.
• Prudential Financial: Large insurance and retirement-services company offering annuities, life insurance, and retirement-income products through Prudential Advisors. Comparable to Agewise Financial's guaranteed-lifetime-income and life insurance focus and target retiree customer, but operating as a major incumbent insurer.
• Fisher Investments: Large independent money management firm serving high-net-worth and institutional clients with portfolio management and retirement-income strategies. Comparable to Agewise Financial in fiduciary advisory positioning and retirement-income theme, but at materially larger scale and broader market reach.
• Charles Schwab Wealth Advisory: Large brokerage and wealth advisory franchise offering retirement planning, managed portfolios, and income strategies through Schwab Wealth Advisory. Comparable to Agewise Financial in retirement-advisory category but competes via a large institutional brand, scale, and lower-fee passive portfolios.

Emerging players

• NewRetirement: Retirement planning software platform that enables individuals and advisors to model retirement income, Social Security, taxes, and healthcare costs. Comparable to Agewise Financial's retirement-planning subject matter focus but competes via DIY software rather than personal advisory delivery.
• Betterment: Digital wealth management and retirement planning platform offering goal-based investing, IRA and 401(k) rollover services, and automated retirement income projections. Comparable to Agewise Financial in retirement-income planning use case but delivered entirely via automated platform.
• Wealthfront: Robo-advisor offering automated investment management, retirement planning (Path tool), and financial planning services at low fees. Comparable to Agewise Financial in retirement-planning category but uses a fully digital, low-fee model versus high-touch advisor-led delivery.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/craigsimpleretirement

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Agewise Financial