Randy Scritchfield and Associates

What Randy Scritchfield and Associates does

Randy Scritchfield & Associates is a privately-held financial advisory firm headquartered at 26005 Ridge Road, Suite 201, Damascus, Maryland, founded by Randy Scritchfield, a Certified Financial Planner™ (CFP®). The firm provides retirement planning and investment advisory services to individual clients across three life-stage segments: those just starting out (Generation Z), pre-retirees (its primary segment), and retirees. Securities and investment advisory services are delivered through a regulatory broker-dealer affiliation with Osaic Wealth, Inc., a FINRA/SIPC member. The practice operates from a single suburban office with an 8-person team led by President Randy Scritchfield and Director of Operations Christina Zyla.

The service portfolio centers on personalized retirement planning with supporting modules for college funding, investment advisory, insurance advisory, tax planning, and estate planning. Client-facing technology is built entirely on third-party platforms accessed via a secure Client Portal: Albridge for account aggregation, eMoney for financial planning, SEI Connect, and eQuipt (an Osaic Wealth platform). The firm holds no proprietary technology or AI/ML capabilities. Customer acquisition is supported by an educational content resource center covering retirement, investment, insurance, tax, estate, money, and lifestyle topics, alongside commitment-free introductory meetings.

The business operates on a relationship-based, sales-led model with no publicly disclosed pricing. Revenue is derived from advisory and brokerage fees on retirement planning, investment management, insurance, and estate planning services, generated primarily through personal referrals and content-driven inbound interest. The firm's brand is anchored by the principal's industry credentials — a 40-year continuous MDRT membership, 23 Top of the Table honors, 3 Court of the Table honors, and his 2022 tenure as MDRT President — alongside community leadership roles including Chairman of Mid-Atlantic Federal Credit Union.

Name

Randy Scritchfield and Associates

Legal name

Randy Scritchfield & Associates

Website

https://randyscritchfield.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

Randy Scritchfield & Associates is a Damascus, Maryland-based financial advisory firm providing retirement planning, investment advisory, insurance, tax, and estate planning services to individual clients across life stages, delivered via an Osaic Wealth broker-dealer affiliation.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement planning services
• Financial advisory services
• Investment management
• Estate planning advisory
• Insurance advisory

Headquarters

HQ city

Damascus

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, Compliance

Revenue model

1. Securities and Investment Advisory Services: Financial advisory fees for retirement planning, investment management, insurance, and estate planning services offered through Osaic Wealth, Inc. The firm also offers services for 401(k) rollovers, IRAs, and other retirement accounts.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Randy Scritchfield and Associates provides personalized retirement planning and financial advisory services to individuals across life stages. Core offerings include retirement strategy development, retirement account review (401(k)s, IRAs), college funding, investment management, insurance advisory, tax planning, and estate planning. Securities and investment advisory services are delivered through Osaic Wealth, Inc. (Member FINRA/SIPC).

Product overview

Randy Scritchfield & Associates operates as a financial advisory firm offering a unified retirement planning service as its core product. The firm's portfolio consists of tiered retirement planning services (for those just starting out, pre-retirees, and retirees), supported by specialized advisory modules including retirement account review, college funding accounts, investment advisory, insurance advisory, tax planning, and estate planning. Client services are delivered through integrated digital tools including Albridge, eMoney, SEI Connect, and eQuipt platforms accessible via the Client Portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Services Primary service offering comprehensive retirement planning including personalized retirement strategy development, ongoing support, unbiased advice, and objective guidance for transitioning into retirement.
• Financial Advisory for Just Starting Out (Generation Z) Financial planning services targeting young adults starting their careers, covering employment decisions, budgeting, and foundational financial education for individuals building their first nest eggs.
• Pre-Retirement Planning Planning services for individuals approaching retirement, including needs-based assessments, retirement income modeling, distribution option strategies, and evaluation of early retirement offers.
• Retirement Management Services Ongoing retirement management including cash flow generation, portfolio diversification, estate planning, and income tax management for individuals already in retirement.
• Investment Advisory Services General investment advice and portfolio management guidance covering stocks, bonds, mutual funds, ETFs, and alternative investments.
• Insurance Advisory Services Insurance planning including life insurance, health insurance, Medicare supplements, long-term care, and gap insurance advisory.
• Tax Planning Services Tax planning and strategy services including tax-efficient investing, tax bracket management, and tax return preparation guidance.
• Estate Planning Advisory Estate planning guidance including business structure selection, wealth transfer strategies, and estate management.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

One partnership is on record.

• Osaic Wealth, Inc.coreOthersSecurities and Investment Advisory services offered through Osaic Wealth, Inc., Member FINRA/SIPC. The firm operates independently under this broker-dealer arrangement. Osaic Form CRS available for regulatory disclosure.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Carson Wealth: Independent wealth management firm serving individual clients with retirement, investment, tax, and estate planning through a fiduciary advisor network. Comparable in model and services to Randy Scritchfield & Associates, including advisor-led relationship model.
• Ronald Blue & Co. Independent Christian-aligned RIA offering retirement planning, investment advisory, tax, and estate services to individuals and families. Comparable to Randy Scritchfield & Associates in fiduciary, advisor-led approach to personal financial planning and retirement focus.

Broad incumbents

• Focus Financial Partners: RIA aggregator and partner firm to independent wealth managers. Directly comparable service mix to Randy Scritchfield & Associates (retirement, investment, tax, estate planning for individuals), and represents a likely strategic acquirer of small independent RIAs like the subject firm.
• Fisher Investments: Large investment advisory firm providing portfolio management and retirement planning to high-net-worth individuals. Comparable client base and retirement/investment advisory services to Randy Scritchfield & Associates, though at much greater scale and primarily discretionary.
• Edelman Financial Engines: Large independent financial advisory firm with a strong focus on retirement planning, 401(k) rollover advice, and goals-based planning. Closely comparable to Randy Scritchfield & Associates in retirement-centric service offering and individual client base, but at much broader scale.
• Commonwealth Financial Network: Independent broker-dealer supporting hundreds of small-to-mid-sized financial advisory practices. Directly comparable to Osaic Wealth's role for Randy Scritchfield & Associates, providing the broker-dealer platform for independent advisors offering retirement and investment services.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of independent financial advisors. Functionally analogous to Randy Scritchfield & Associates' broker-dealer relationship with Osaic Wealth, providing advisory, compliance, and platform infrastructure for retirement-focused practices.
• Cetera Financial Group: Independent broker-dealer and RIA platform supporting independent financial advisors. Comparable to the Osaic Wealth affiliation that Randy Scritchfield & Associates operates under, providing similar securities and advisory infrastructure to independent practices.
• Mariner Wealth Advisors: National RIA consolidator providing retirement planning, investment advisory, tax, and estate services to ultra-high-net-worth and high-net-worth individuals. Directly comparable service model to Randy Scritchfield & Associates, but far larger and consolidator-focused, often acquiring smaller practices like the subject firm.
• Creative Planning: Larger independent RIA offering comprehensive financial planning, retirement, tax, and estate services to individuals. Comparable to Randy Scritchfield & Associates in service mix (retirement planning, investment advisory, tax, estate) and fiduciary client-first philosophy, but operates at significantly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Randy Scritchfield and Associates