Kincer Business Group

What Kincer Business Group does

Kincer Business Group, Inc. is a privately-held financial advisory and accounting firm founded in September 1982 by Stephen Kincer, CFP, CPA, and headquartered at 65 A Town Center Drive in Huntsville, Alabama (The Village of Providence). The firm delivers a comprehensive suite of personal financial services — investment management, retirement planning (including 401(k) and 403(b)), estate planning, tax planning, insurance (life, disability, long-term care), and college savings — alongside small-business accounting services such as QuickBooks setup and training, payroll, tax preparation, and business-startup assistance. Securities and investment advisory services are offered through Stephen Kincer's affiliation with Osaic Wealth, Inc., a FINRA/SIPC member broker-dealer that operates independently from Kincer Business Group.

The firm's underlying technology is conventional: no proprietary platform, API, or AI capabilities are disclosed. It uses standard financial planning software, calculators, and an FMG Suite-powered content website (kincer.com) with articles, videos, webinars, and a newsletter for client education and top-of-funnel demand generation. There are no patents, awards, integrations, or third-party technology partnerships beyond the Osaic Wealth affiliation.

Kincer Business Group generates revenue through professional-services fees — primarily advisory and investment-management charges on client assets and accounts, supplemented by accounting and tax-preparation fees for small business clients. Pricing is not publicly disclosed and is structured around individual client needs, asset levels, and service complexity, delivered through one-on-one consultations led by Stephen Kincer as the primary (and only disclosed) advisor. The firm is founder-owned and bootstrapped, with no external private equity or venture capital investment, and serves a local/regional customer base of individuals, families (including a stated specialization with recently divorced or widowed women), and small business owners in the Huntsville/Alabama market.

Name

Kincer Business Group

Legal name

Kincer Business Group, Inc

Website

https://kincer.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Kincer Business Group is a founder-owned financial advisory and accounting firm in Huntsville, Alabama, led by Stephen Kincer, CFP, CPA, delivering investment management, retirement, estate, tax, and insurance planning to individuals, families, and small business owners via an Osaic Wealth affiliation.

Ownership category

akta.pro rank

Product category

Financial Advisory and Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Investment Advice (6282)

akta.pro primary industry

Broker-Dealer Affiliated Wealth Advisory (FSAEABAB)

akta.pro secondary industry

Trust, Fiduciary & Estate Planning Services (FSABADAG)

Keywords

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

Headquarters

HQ city

Huntsville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory and Investment Management: Stephen Kincer provides investment management and financial advisory services through his affiliation with Osaic Wealth, Inc. The firm offers comprehensive financial planning including investment management, retirement planning, estate planning, tax planning, and insurance services. Revenue is generated through advisory fees and investment management charges. Stephen Kincer also provides accounting services including tax preparation, QuickBooks assistance, payroll services, and business startup assistance.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kincer Business Group is a financial advisory and accounting firm that provides comprehensive wealth management, investment management, retirement planning, estate planning, tax planning, and insurance services to individuals, families, and small businesses. Services are delivered by Stephen Kincer through his affiliation with Osaic Wealth, Inc., and supplemented with accounting services including QuickBooks setup, tax preparation, payroll, and business startup assistance.

Product overview

Kincer Business Group is a financial advisory firm that offers a comprehensive suite of wealth management and financial planning services. The firm provides investment management through various vehicles (stocks, bonds, annuities, treasury securities), tax-advantaged retirement accounts (Traditional IRA, Roth IRA, SEP IRA, Simple IRA), retirement planning (401(k), 403(b) plans), estate planning, college savings plans, tax planning, insurance products (life, disability, long-term care), and full accounting services. Services are offered through Stephen Kincer's affiliation with Osaic Wealth, Inc., member FINRA/SIPC. The firm also provides QuickBooks assistance and business startup support as part of its accounting offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management

Named customers2 records

Segments2 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.coreGTM or Marketing PartnerStephen Kincer is affiliated with Osaic Wealth, Inc., a registered investment advisory and broker-dealer firm (member FINRA/SIPC). Through this affiliation, Stephen Kincer offers securities and investment advisory services including investment management, retirement plans, and 403(b) planning. Osaic Wealth operates independently from Kincer Business Group.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Stifel Financial: Full-service wealth management and investment bank with an advisor channel serving individuals, families, and small businesses. Comparable target market and product mix to Kincer, but materially larger scale and broader capabilities.
• Ameriprise Financial: Diversified financial services company with a large captive advisor force offering financial planning, investments, insurance, and banking. Overlaps Kincer's comprehensive planning offering but operates at much larger national scale with proprietary product and brand recognition.
• Northwestern Mutual: Major provider of life insurance, disability income, annuities, and investment planning services through a captive advisor network. Comparable to Kincer's emphasis on insurance + retirement + estate planning, but at vastly greater scale.
• Edelman Financial Engines: Large national RIA providing financial planning, investment management, and retirement plan services to mass-affluent and HNW households. Comparable planning-led offering but operates at scale with proprietary technology absent from Kincer's stack.
• Raymond James: Diversified financial services firm with a large affiliated advisor channel offering wealth management, investment, retirement, and tax/estate planning to individuals and small businesses. Overlaps Kincer's client profile with broader product set and national footprint.

Direct peers

• Edward Jones: A large national network of independent financial advisors serving mass-affluent individuals and families with comprehensive financial planning. Closely comparable to Kincer's local-branch, advisor-led model, including the use of broker-dealer infrastructure to deliver investment and retirement products.
• Cetera Advisor Networks: Independent broker-dealer supporting thousands of affiliated financial advisors who deliver wealth management and planning services to individuals and small businesses. Mirrors Kincer's Osaic-affiliated delivery model and target customer segments.
• Commonwealth Financial Network: Independent broker-dealer supporting a national network of financial advisors offering holistic planning, investment, and retirement services. Matches Kincer's structure of one advisor delivering an integrated suite through an IBD affiliation.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of financial advisors who provide wealth management, retirement, and planning services to individuals and small businesses. Closely comparable affiliation and product model.
• Cambridge Investment Research: Independent broker-dealer whose affiliated advisors offer retirement, investment, tax, and estate planning to individuals and small businesses. Directly comparable operating model and client profile to Kincer Business Group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

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 Kincer Business Group