Concierge Wealth Management

What Concierge Wealth Management does

Concierge Wealth Management (CWM) is a privately held, independent financial advisory firm founded in 2009 and headquartered at 3131 Camino Del Rio N, Suite 800, San Diego, CA. The firm operates with a team of 1–10 employees led by Financial Planner Matthew Barnhart, alongside a Chief Marketing Officer, a Director of Tax and Financial Planning, a Client Service Advocate, and a Business Consultant/Analyst. Its stated focus is multi-generational wealth and family legacy planning, serving individuals, families (including complex and blended families), and families interested in charitable giving, with an additional niche servicing retiring financial advisors on practice succession.

CWM delivers services through a six-tier model documented on its public pricing page: (1) one-time Protection Services, (2) Investment Management at 1.00% AUM, (3) Investment + Protection at a one-time fee plus 1.00% AUM, (4) DIY Planning at $100/month plus 0.75% AUM, (5) PlanTogether at $200–$400/month plus 0.50% AUM, and (6) Manage It All for Me at $500–$1,500/month plus 0.30% AUM. Revenue therefore mixes recurring AUM-based fees, recurring monthly planning retainers, and one-time fees. The underlying technology stack is light: a client portal at client.adviceworks.net for document and account access, HubSpot for scheduling and CRM, and Zoom for virtual meetings; there is no proprietary platform, API, or app, and no AI/ML components are evidenced.

The firm operates as a direct-to-client advisory practice with no intermediary distribution. Securities are offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC) and investment advisory services through Sovran Advisors, LLC, with fixed insurance through Sovran Financial & Insurance Services; these entities are stated to be unaffiliated and under separate ownership. Lead generation is content-driven — an extensive CWM Blog, a YouTube channel, free downloadable checklists, the "What Tree Are You?" assessment quiz, a Monthly Matt Chat webinar, twice-weekly AMaQ Zoom sessions, and a waitlist-based Family Legacy Program 5-Day Challenge — supplemented by a free 15-minute "Clarity Chat" with Matthew Barnhart as the entry-point sales motion. The site is published for U.S. residents only, and the firm primarily operates in California.

Name

Concierge Wealth Management

Legal name

Concierge Wealth Management

Website

https://cwmsd.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Concierge Wealth Management is a San Diego-based independent financial advisory firm offering tiered financial planning, investment management, and insurance solutions to individuals and families seeking multi-generational wealth and legacy planning.

Ownership category

akta.pro rank

Product category

Financial Advisory and Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEABAB

Broker-Dealer Affiliated Wealth Advisory

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

SECONDARYFSAEAAAO

Business Owner & Executive Financial Planning

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

SECONDARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

• Wealth management advisory
• Financial planning services
• Investment management
• Estate planning
• Insurance solutions

Headquarters

HQ city

San Diego

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, Infrastructure

Revenue model

1. Assets Under Management (AUM) Fees: Ongoing fees calculated as a percentage of client assets under management. Rates decrease as planning depth increases: 1.00% AUM for basic investment management, 0.75% AUM for DIY Planning, 0.50% AUM for PlanTogether, and 0.30% AUM for full Manage It All service tier.
2. Monthly Planning Retainers: Fixed monthly fees for ongoing financial planning services. DIY Planning tier at $100/month, PlanTogether at $200-$400/month, and Manage It All at $500-$1,500/month. These include ongoing planning, strategy conversations, and investment oversight.
3. One-Time Protection Services: One-time fees for focused, specific protection or income needs services including insurance and annuity analysis, clear recommendations, and implementation support.
4. Investment + Protection Bundle: Combined one-time fee plus ongoing 1.00% AUM for clients seeking coordinated investment management aligned with protection strategies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Concierge Wealth Management delivers tiered financial advisory services to individuals and families, spanning one-time insurance and annuity protection analysis, ongoing investment management with portfolio monitoring and rebalancing, and collaborative multi-generational financial planning under monthly retainer engagements. Services include estate planning coordination, retirement planning, business planning, and family legacy programs, with advisory relationships supported through scheduled consultations at the San Diego office or virtually via Zoom, and ongoing access through the AdviceWorks client portal.

Product overview

Concierge Wealth Management offers a tiered financial planning service model with six service levels: Protection (one-time), Investment Management (1.00% AUM), Investment + Protection (one-time + 1.00% AUM), DIY Planning ($100/month + 0.75% AUM), PlanTogether ($200-400/month + 0.50% AUM), and Manage It All for Me ($500-1,500/month + 0.30% AUM). These services are complemented by free educational resources including checklists, the What Tree Are You Quiz, and the CWM Blog. The firm also offers community programs including the Family Legacy Program 5-Day Challenge, Monthly Matt Chat webinars, and AMaQ live Q&A sessions. The service tiers range from focused one-time support to comprehensive full-service wealth management, with investment management fees decreasing as planning depth increases.

Differentiator

Problem solved

Functional benefit

Products and services

• Protection Services Focused, one-time support for specific protection or income needs including insurance and annuity analysis with clear recommendations and implementation support, designed for clients with a defined protection or income gap rather than full wealth management needs.
• Investment Management Investment-only guidance providing professionally managed investment portfolios with ongoing monitoring, rebalancing, and risk alignment at 1.00% AUM, targeted at clients seeking professional portfolio management without full ongoing planning.
• Investment Management + Protection Coordinated strategies combining investment management aligned with protection strategies for clients with multiple financial moving parts, priced as a one-time fee plus 1.00% AUM with cross-account coordination.
• DIY Planning + Reduced Investment Management Guided, hands-on planning with planning framework, goal organization, guidance and accountability check-ins paired with reduced investment management at $100/month plus 0.75% AUM, for clients who want to stay actively involved.
• PlanTogether Collaborative partnership providing ongoing collaborative financial planning and regular strategy conversations with coordinated investment oversight at $200-$400/month plus 0.50% AUM, designed for clients with complex financial situations.
• Manage It All for Me Full-service simplicity offering comprehensive financial planning, proactive strategy, and full investment management at $500-$1,500/month plus 0.30% AUM for clients wanting comprehensive support and confidence.
• AdviceWorks Client Portal Secure online client portal delivering account access, document management, and ongoing client communication for existing Concierge Wealth Management clients.

Quantifiable outcome

• 70% of families lose significant wealth by second generation due to communication breakdowns
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Sovran Advisors, LLCcoreStrategic or Co-development PartnerFinancial Planning and Investment Advisory Services offered through Sovran Advisors, LLC. Sovran and Cetera are unaffiliated and under separate ownership from any other named entity. Fixed insurance products offered through Sovran Financial & Insurance Services (CA Insurance license #6010594).
• FINRAminorOthersFinancial Industry Regulatory Authority (FINRA) - Self-Regulatory Organization for securities firms. Clients can check advisor backgrounds through FINRA's BrokerCheck tool. Registered representatives comply with FINRA regulations for broker-dealer activities.
• SIPCminorOthersSecurities Investor Protection Corporation (SIPC) - Provides protection for brokerage firm customers in case of firm failure. Cetera Wealth Services, LLC is a member, providing account protection for client securities.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Wealthsimple: Wealthsimple is a large digital wealth management and financial planning platform serving individuals and families. It competes in the same wealth management and planning category as CWM but with a primarily self-service/digital model and broader product set including tax, credit, and cash products.
• Creative Planning: Creative Planning is a large RIA providing comprehensive financial planning, investment management, and family-office-style services to individuals and families nationwide. It is comparable to CWM in service breadth (planning + investment + insurance-adjacent) but operates at vastly greater scale with hundreds of advisors.
• Carson Group: Carson Group is a large advisor support platform providing broker-dealer, RIA, and business coaching services to financial advisors. CWM operates within a similar ecosystem via Cetera/Sovran, and Carson represents a scaled analog offering comparable back-office and growth infrastructure to independent advisor firms.
• Empower (formerly Personal Capital): Empower is a large, established wealth management and personal financial dashboard platform with dedicated advisors. It overlaps broadly with CWM's investment management and financial planning services but at far greater scale, broader geographic reach, and lower fee points.

Direct peers

• Boldin (formerly NewRetirement): Boldin is a financial planning platform focused on retirement and holistic planning for individuals and households. It overlaps with CWM's planning-led value proposition and its target audience of individuals and families seeking comprehensive financial guidance rather than pure investment products.
• Ellevest: Ellevest provides financial planning and wealth management with a defined client focus and goals-based planning framework. Like CWM, it emphasizes planning depth and personalized engagement over commoditized portfolio management, though at a larger scale and narrower demographic focus.
• Facet Wealth: Facet Wealth is a tech-enabled financial planning firm offering flat-fee financial planning plus investment management to individuals and families. Like CWM, it bundles planning and investment management into tiered service packages and targets clients seeking comprehensive, relationship-driven advice rather than transactional brokerage.
• XY Planning Network: XY Planning Network is a network of fee-only financial advisors serving Gen X and Gen Y clients with comprehensive planning. It is comparable to CWM in service model (planning-first, retainer-based) and target segment (families seeking ongoing advice), though delivered through a network of independent advisors rather than a single firm.
• Farther: Farther is a technology-driven wealth management firm providing financial planning and investment management with a dedicated advisor. Its pricing model and family-wealth orientation closely mirror CWM's tiered structure, making it a comparable planning-led RIA.
• Savvy Wealth: Savvy Wealth is a modern RIA offering financial planning, investment management, and tax services through a tech-forward platform with dedicated advisors. It shares CWM's tiered, planning-first service model and family-wealth focus, though at greater scale and with proprietary technology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ConciergeWealthManagement
• Facebookfacebook.com/conciergewealthmanagement
• LinkedInlinkedin.com/company/concierge-wealth-management-san-diego

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Concierge Wealth Management