Surf City

Retirement Planning Advisorysurfcityfinancialgroup.com

Company typePrivate
Founded2010
HeadquartersHuntington Beach, United States
Headcount1–10
GTM typeB2C
OfferingServices

What Surf City does

Surf City Financial Group is a privately-held, founder-owned boutique financial advisory firm founded in 2010 and headquartered in Huntington Beach, California. The firm specializes in retirement income planning with a focus on two niche product categories: Tax-Free Retirement Accounts (TFRAs) — a vehicle the firm claims fewer than 0.07% of Americans currently hold — and fixed equity index life insurance products designed to emulate stock market upside without downside risk. The practice is led by founders Brian Zeek, a Retirement Income Specialist holding RICP and CLTC credentials, and Dee Dee Zeek, a Retirement & Insurance Planning Specialist with prior Employer & Employee benefits experience.

Surf City firmographics

Firmographics

Name: Surf City
Legal name: Surf City Financial Group
Website: https://surfcityfinancialgroup.com
Company type: Private
Founded year: 2010
Operating status: Operating
Headcount range: 1–10 employees
Ownership category
akta.pro rank

Surf City industry classification

Industry

Product category: Retirement Planning Advisory
NAICS: Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
SIC: Life Insurance (6311), Finance Services (6199)
akta.pro primary industry: Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)
akta.pro secondary industry: Rollover & Distribution Advisory (IRA/401(k) Rollovers) (FSAEABAG)

Keywords

Retirement planning
Tax-free retirement accounts
Fixed index annuities
Financial advisory services
Estate conservation

Where Surf City is headquartered

Location

Headquarters

HQ city: Huntington Beach
HQ country: United States
HQ region: North America

Markets served

Surf City business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Marketing or Sales, Operations

Revenue model

Financial Advisory Services: Revenue generated through financial advisory and retirement planning services. The firm specializes in tax-free retirement accounts (TFRAs) and fixed equity index life insurance products, likely earning commissions on insurance products placed and/or advisory fees for financial planning services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Surf City product offering

Product offering

Core offering

Surf City Financial Group provides retirement income planning and advisory services centered on Tax-Free Retirement Accounts (TFRAs), fixed equity index life insurance products, and leveraged income strategies. The firm helps individuals and families structure tax-advantaged retirement vehicles that protect against rising taxes and stock market volatility while delivering market-like upside potential. Services include consultation, account structuring, and ongoing retirement cash-flow planning.

Product overview

Surf City Financial Group offers a suite of retirement income planning services centered on tax-advantaged strategies. The core offerings include Tax-Free Retirement Accounts (TFRAs), leveraged income consultation, and fixed equity index life products. These products work together to help clients protect against rising taxes, shield assets from market crashes, and secure retirement cash flow. The firm specializes in fixed facet investments that eliminate speculative market risk while providing market-like growth potential.

Differentiator

Problem solved

Functional benefit

Products and services

Tax-Free Retirement Account (TFRA)

Quantifiable outcome

Potential to add 60-100% additional retirement income through leverage strategies

Companies that use Surf City

Customer profile

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Surf City technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Surf City partnerships and signals

Strategic signal

Recent moves2 records

Expansion highlights3 records

Surf City competitors and assessment

Company assessment

Broad incumbents

Lincoln Financial Group (Lincoln National): Insurance and retirement services company with a strong indexed universal life (IUL) product line and retirement income solutions, plus advisor support through Lincoln Financial Advisors. Direct overlap with Surf City's fixed equity index life / retirement income focus.
MassMutual: Major mutual life insurer offering whole life, universal life, and indexed universal life products, plus retirement income and wealth management through its advisor network. Comparable in product type (indexed life for retirement income) and individual-advisor distribution model, though at substantially greater scale.
New York Life Insurance Company: Large mutual life insurer with an extensive agent/advisor channel offering whole life, universal life, and fixed indexed life products alongside retirement income planning. Overlaps with Surf City's fixed-index life and retirement-income focus but operates at vastly greater scale with a national footprint.
Northwestern Mutual: Mutual insurer with a captive advisor force offering permanent life insurance, retirement income planning, and wealth advisory services. Comparable to Surf City in selling insurance-wrapped retirement solutions to individuals, but with national scale and an integrated planning platform.
Edelman Financial Engines: Largest independent RIA in the US, providing retirement planning, investment advice, and income planning to individuals nationwide. Comparable to Surf City in client segment (retirees/pre-retirees) and retirement-income focus, but at vastly larger scale and without the insurance-product emphasis.

Direct peers

Cetera Financial Group: Independent broker-dealer supporting thousands of independent financial advisors in retirement income, insurance, and wealth planning. Similar in that advisor practices under Cetera often specialize in insurance-based retirement strategies (including IUL/FIA-adjacent products) for individuals, much like Surf City.
The Retirement Income Store: Boutique advisory firm specifically branded around retirement income planning using insurance-based and fixed-income strategies. Closely comparable to Surf City in niche positioning, target client (retirees seeking protected income), and product emphasis on insurance-wrapped solutions.
Cambridge Investment Research: Independent broker-dealer supporting a national network of independent advisors who often specialize in retirement income, insurance, and tax-advantaged strategies for individuals. Comparable to Surf City in distribution model (independent advisor-led practice focused on retirement income planning).
WFG Investments / World Financial Group: Independent broker-dealer with a large network of part-time and full-time insurance-and-investment advisors focused on middle-income retirement and protection planning. Comparable in business model (insurance-licensed advisors selling retirement income / life insurance products to individuals).

Emerging players

Insurance & Retirement Funding Group (IRFG): Niche advisory firm specializing in leveraging whole life insurance as a retirement vehicle for high-net-worth individuals. Comparable to Surf City in promoting insurance-wrapped 'tax-free retirement' strategies to advisors and consumers, though with a B2B advisor-training emphasis rather than purely direct-to-consumer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

Surf City financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Surf City leadership team

Management profile

Number of profiles

Profiles2 records

Surf City funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Surf City M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Surf City

What does Surf City do?

Is Surf City a public or private company?

Surf City is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Surf City founded?

Surf City was founded in 2010. It employs 1 to 10 people.

Where is Surf City based?

Surf City is headquartered in Huntington Beach, United States, in the North America region.

How does Surf City make money?

One revenue line is on record: financial Advisory Services.

Who are Surf City's main competitors?

Broad incumbents on record are Lincoln Financial Group (Lincoln National), MassMutual, New York Life Insurance Company, Northwestern Mutual and Edelman Financial Engines. Direct peers are Cetera Financial Group, The Retirement Income Store, Cambridge Investment Research and WFG Investments / World Financial Group. Insurance & Retirement Funding Group (IRFG) is listed as an emerging player.

Does Surf City have an API?

No public API is recorded for Surf City.

What industry is Surf City in?

Surf City's product category is Retirement Planning Advisory. Its primary akta.pro industry code is FSAGADAI, Retirement Planning & Long-Term Financial Planning Tools, with a secondary code of FSAEABAG, Rollover & Distribution Advisory (IRA/401(k) Rollovers). Its NAICS code is 523940 and its SIC code is 6311.