Brecek & Young Financial Services

What Brecek & Young Financial Services does

Brecek & Young Financial Services is a small, Cincinnati, Ohio-based financial advisory practice operating as a branch office of Osaic Wealth, Inc. The firm delivers face-to-face financial planning services to individual clients, with a service mix centered on retirement planning, investment management, estate planning, and insurance solutions. The practice is structured as a boutique advisory model, with a total staff of approximately four people — three advisors and one assistant — and no disclosed digital, automated, or AI-enabled service channels.

The firm's business model is built on personalized, relationship-driven advice delivered in person. Revenue is generated through fee-based advisory engagements, asset-based management fees, and commissions on insurance and investment products distributed under the Osaic Wealth umbrella. As a branch office, the firm relies on Osaic Wealth (and its predecessor entities) for back-office, compliance, custody, and product infrastructure, while retaining autonomy over client relationships and local market presence. The partnership has been in place since at least 2001, and the firm currently serves clients across multiple states, though no enterprise or institutional segment is disclosed.

Brecek & Young's competitive position rests on its named advisors, personal client relationships, and external recognition including a Five Star Wealth Manager award received in 2012. The practice has added selectively to its advisor roster (most notably Mo Brennan joining in March 2020) but operates at a scale well below that of a platform or roll-up, with no proprietary technology assets and limited public growth signals.

Name

Brecek & Young Financial Services

Legal name

Brecek & Young Financial Services

Website

https://brecekandyoung.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Brecek & Young Financial Services is a Cincinnati-based boutique financial advisory firm and branch of Osaic Wealth, Inc., delivering face-to-face retirement, investment, estate, and insurance planning to individual clients across multiple states with a four-person staff.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

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

SIC

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

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAE

Employer Retirement Plan Advisory (401(k)/Pension)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Financial planning services
• Retirement planning
• Investment management
• Wealth management advisory
• Insurance products

Headquarters

HQ city

Cincinnati

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, Infrastructure

Revenue model

1. Financial Advisory and Planning Services: Fee-based financial advisory services including retirement planning, investment management, estate planning, and insurance products. Securities and advisory services offered through Osaic Wealth, Inc., Member FINRA/SIPC.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Brecek & Young Financial Services is a full-service financial advisory practice that works face-to-face with individuals, families, and small business owners to deliver comprehensive financial and retirement planning. The firm provides personalized recommendations across retirement planning, investment management, estate conservation, insurance and annuity products, professional 401(k) management, IRAs, 403(b)/457 plan services, and college planning. Securities and advisory services are delivered through the firm's relationship with Osaic Wealth, Inc. (Member FINRA/SIPC).

Product overview

Brecek & Young Financial Services is a full-service financial services firm that provides individuals with creative solutions to financial challenges in their personal and professional lives. The firm operates as a unified advisory practice offering comprehensive financial and retirement planning as its core service, supplemented by professional 401(k) management, investment management, and insurance/annuity products. The product portfolio includes: Comprehensive Financial and Retirement Planning, Investment Management, Retirement Income Planning Strategies, Professional 401(k) Management, 401(k)/403(b)/457 Rollovers, IRAs, College Planning, Estate Conservation, Insurance and Annuity Products, Mutual Funds, Stocks and Bonds/Fixed Investments, Life Insurance, and Long Term Care Insurance. Services are delivered through face-to-face consultations with a team of financial professionals.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Osaic Wealth, Inc.coreStrategic or Co-development PartnerBrecek & Young Financial Services is a branch office of Osaic Wealth, Inc. Securities are offered through Osaic Wealth, Inc., Member FINRA/SIPC, and advisory services are also offered through Osaic Wealth, Inc. The firm operates under S. David Dinn, Joseph F. Moretti, Jr., and Michele Schumacher as Representatives.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Edelman Financial Services: Comprehensive financial planning firm serving individuals and families with retirement, investment, and estate services - directly comparable in service mix and target client to B&Y.

Broad incumbents

• Cetera Financial Group: Independent broker-dealer and RIA that hosts thousands of independent financial advisors in branch offices; comparable to B&Y as a small advisory practice operating under a larger Cetera/Ameriprise-type BD umbrella.
• Hightower Advisors: Wealth management firm built via roll-up of advisor practices; comparable to B&Y as a comprehensive planning offering to households and small business owners, though Hightower focuses on advisor M&A.
• Mercer Advisors: National RIA delivering comprehensive wealth management and retirement planning to individuals; similar comprehensive planning, retirement income, and investment management offering as B&Y but at much larger scale.
• Carson Group: Wealth management firm that supports independent advisors with coaching, technology, and back-office services; comparable to B&Y as a coaching/affiliation platform for small advisory practices.
• Ameriprise Financial: Large diversified wealth management firm operating a hybrid independent contractor advisor model similar to B&Y's branch/broker-dealer structure, offering financial planning, retirement, and investment services to individuals.
• Raymond James Financial Services: Operates a large independent contractor advisor network under its Financial Services division, providing brokerage, retirement, and planning services through affiliated advisors in branches - structurally analogous to B&Y's Osaic branch setup.
• Mariner Wealth Advisors: Large national wealth advisory offering comprehensive financial planning, retirement, estate, and investment services to individuals - comparable full-service positioning to B&Y though at significantly greater scale.
• Commonwealth Financial Network: Independent broker-dealer supporting thousands of financial advisors, many operating small branches delivering holistic financial planning to individuals and families - directly analogous to B&Y's model.

Emerging players

• Facet Wealth: Digital-first financial planning firm delivering flat-fee comprehensive planning to mass-affluent households - emerging competitor to B&Y serving the same demographic but at lower fees via remote advice.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/in/schumachermichele

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Brecek & Young Financial Services