Grigg Financial

What Grigg Financial does

Grigg Financial (legal name: Grigg Financial Solutions) is an independent, fee-based financial advisory firm headquartered in Towson, Maryland, with an additional office in Lutherville Timonium. The firm serves retirees, pre-retirees, real estate investors, and high-net-worth individuals in the Baltimore County region and surrounding areas, with no corporate affiliations, no vendor obligations, and no commissions on investment products. Founder Brian Grigg — who holds CFP, ChFC, and CLU designations alongside an MBA — serves as both principal advisor and the firm's own compliance officer, positioning the firm as a fiduciary-only practice.

The firm's core product set spans three areas: Investment Management (portfolio construction, private equity, private credit, diversification strategies); Retirement Planning (income planning, Social Security optimization, 401(k)/IRA rollover strategies, the firm's "Living Plan" methodology); and Investment Property services (Delaware Statutory Trusts, 1031 Exchanges, real estate transition planning). Grigg Financial does not operate any proprietary technology platform; client account management and reporting are delivered through third-party infrastructure, specifically the GeoWealth client portal and the Schwab Alliance platform, which are also surfaced directly to clients via the firm website.

Grigg Financial operates on a transparent, fee-based compensation model billed annually, with revenue tied to assets under advisement rather than product commissions. The go-to-market motion is consultative and sales-led, relying on educational content (blog, organic SEO), referral-based acquisition, and complimentary no-obligation consultations to convert prospects into long-term client relationships. Client segmentation is hybrid, combining persona-based targeting (retirees, pre-retirees, HNW investors) with use-case-based targeting (real estate investors executing 1031 exchanges or transitioning to passive DST ownership). The firm is bootstrapped, founder-owned, and has no disclosed funding, parent company, or institutional backing.

Name

Grigg Financial

Legal name

Grigg Financial Solutions

Website

https://griggfinancial.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Grigg Financial is an independent, fee-based financial advisory firm in Towson, Maryland, providing retirement planning, investment management, and investment real estate services — including DSTs and 1031 exchanges — to retirees, pre-retirees, and real estate investors in the Baltimore County region.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industry

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

Keywords

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

Headquarters

HQ city

Towson

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, Infrastructure

Revenue model

1. Fee-Based Financial Advisory Services: Fee-based structure where compensation is fully transparent and aligned with client success. No commissions on investment products. The firm operates on a fiduciary model where the business does better when clients do better.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Grigg Financial provides independent, fee-based retirement planning and investment management services to retirees, pre-retirees, and investors in the Baltimore County, Maryland area. Core offerings include personalized investment management, retirement income planning, Delaware Statutory Trusts (DSTs), 1031 exchange services, and integrated estate planning, delivered through a fiduciary model with no commissions on investment products.

Product overview

Grigg Financial is a unified financial advisory firm offering a comprehensive suite of retirement planning and investment management services. The core offerings include Investment Management (portfolio construction, risk management, private equity/credit access), Retirement Planning (income planning, Social Security optimization, 401(k)/IRA strategies), and Investment Property services (Delaware Statutory Trusts, 1031 Exchanges, real estate transition planning). The firm operates a 'Living Plan' methodology that integrates these services into an adaptive, long-term financial strategy. All services are delivered through an independent, fee-based model without commissions or proprietary products. Client access is facilitated through third-party platforms including GeoWealth for account management and Schwab Alliance for investment reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Personalized, independent investment management services focused on risk-conscious, long-term wealth growth for retirees and investors. Includes strategic portfolio management, diversification strategies, private equity, private credit, and real estate investment options.
• Retirement Planning Comprehensive retirement planning services that include defining retirement lifestyle and income needs, inventorying resources, cash flow planning, investment alignment, Social Security optimization, 401(k) and IRA rollover strategies, and ongoing plan refinement through a 'Living Plan' approach.
• Delaware Statutory Trusts (DSTs) Passive real estate investment structure allowing investors to own fractional interests in professionally managed properties. Enables 1031 exchange eligibility, passive income generation, diversification across properties and sectors, and tax-deferred capital gains treatment.
• Investment Real Estate Management Guidance services for evaluating and optimizing real estate investments within long-term financial plans. Includes strategies for passive income generation, 1031 exchanges, wealth transfer planning, and liquidity optimization for investment properties.
• 1031 Exchange Services Tax-deferred exchange services enabling property owners to sell investment real estate and reinvest proceeds into like-kind properties (including DSTs) while deferring capital gains taxes and depreciation recapture.
• Private Equity & Private Credit Alternative investment opportunities providing access to exclusive private equity and private credit investments designed for investors seeking additional diversification and higher potential returns beyond traditional stock and bond markets.
• Estate Planning Wealth transfer and estate planning strategies integrated with retirement planning, including coordination for inherited assets, step-up in basis planning, and transition planning for heirs.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Facet Wealth: Tech-enabled, fee-only financial planning firm targeting mass-affluent and HNW clients virtually. Comparable fiduciary planning and retirement income focus, but differentiates through digital delivery rather than local in-person relationships.
• Retirement Income Style Awareness (RISA) - style of firms like Income Lab: Niche retirement income planning advisory using research-driven decumation frameworks. Directly comparable focus on retirement income strategy and decumulation planning for retirees.

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., heavily focused on retirement plan participants and retirement income planning. Comparable retirement decumulation advisory offering, but operates at much greater scale with employer-plan roots.
• Fisher Investments: Large independent investment management firm serving HNW individuals and institutions. Comparable private-equity and alternative investment access for individual investors, though at much larger scale.
• Schwab Wealth Advisory: Charles Schwab's wealth advisory arm offering personalized investment and retirement planning. Comparable retirement and investment management services, integrated with the Schwab platform Grigg already uses.
• Mariner Wealth Advisors: Independent, fee-only RIA providing comprehensive financial planning and investment management to HNW clients. Comparable fiduciary model and broad retirement/wealth advisory services.
• Raymond James Financial Services: Large broker-dealer and wealth management network providing retirement and investment advisory. Overlapping retirement planning and wealth management offerings, though typically commissioned rather than pure fee-only.
• Creative Planning: Large national independent RIA offering retirement planning, investment management, and wealth advisory. Comparable in fiduciary, fee-based model and retirement income focus, but serves a vastly larger national client base.

Regional players

• Stewart Wealth Advisors: Small-to-mid independent RIA focused on retirement and wealth planning for individuals. Comparable fee-only retirement planning model at a similar boutique scale.
• Kovack Securities / Kovack Advisors: Independent wealth management and advisory firm offering retirement planning and portfolio management. Comparable boutique-scale fiduciary advisory model with HNW and retiree focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 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 Grigg Financial