Chairvolotti Financial

What Chairvolotti Financial does

Chairvolotti Financial, Inc. is a privately held, founder-owned financial advisory firm headquartered in Winter Park, Florida, founded in 1995 by Ed Chairvolotti. The firm operates as a CEFEX-certified retirement plan specialist and an approved ERISA 3(38) Investment Manager through LPL Financial, offering Elite 3(38) Investment Fiduciary services, Handcrafted Investment Models, and the Advisor Assist Platform. It targets financial advisors, recordkeepers, third-party administrators, and centers of influence (broker-dealers, banks, CPAs), positioning itself as an "advisor to other advisors" in the retirement plan space.

The Advisor Assist Platform is the firm's core technology, providing enrollment, education, content creation, and advisor onboarding tools, supplemented by a Rollover Machine that uses predictive Rollover Scores and Participant Account Visibility to capture rollover assets. Investment management is fee-based on assets under management, with retirement plan services priced at 5-25 basis points (5 bps for base 3(38) fiduciary services, 20 bps for actively managed risk-based models) and an additional Private Wealth offering for individual clients covering holistic financial planning across accumulation, distribution, and transfer phases.

The go-to-market is primarily partner-led and sales-driven, combining direct advisor engagement with channel partnerships across recordkeepers, TPAs, and centers of influence, supported by content marketing (weekly market commentary, articles, midyear outlook). Securities and advisory services are delivered through LPL Financial, with the firm licensed to serve residents in 11 US states (MO, MA, DC, FL, IL, LA, MD, NJ, VA, PA, NY). No revenue, headcount, AUM, or funding data is publicly disclosed.

Name

Chairvolotti Financial

Legal name

Chairvolotti Financial, Inc.

Website

https://cfretirement.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Chairvolotti Financial is a Winter Park, Florida-based, founder-owned advisory firm that delivers CEFEX-certified 3(38) fiduciary services, handcrafted investment models, and the Advisor Assist platform to retirement plan advisors, recordkeepers, TPAs, and centers of influence, operating through LPL Financial.

Ownership category

akta.pro rank

Product category

Retirement Plan Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Retirement plan advisory
• Fiduciary investment management
• 401(k) plan services
• ERISA 3(38) fiduciary
• Private wealth management

Headquarters

HQ city

Winter Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Elite 3(38) Investment Fiduciary Services: Fee-based fiduciary investment management services for retirement plans at 0.05% (5 basis points). Provides ERISA 3(38) investment fiduciary services including custom lineups and fiduciary liability protection.
2. Handcrafted Investment Models: Custom, actively-managed, risk-based asset allocation models for 401(k) participants at 0.20% (20 basis points). Provides quarterly advice and real portfolio management for retirement plan participants.
3. Advisor Assist Partner Program: Comprehensive platform providing technology, tools, and support for advisor acquisition and activation at fees ranging from 0.05% (5 bps) to 0.25% (25 bps). Includes enrollment, education, content creation, and advisor support.
4. Private Wealth Management: Holistic financial planning, college planning, individual wealth management, and insurance services for individual clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Chairvolotti Financial delivers ERISA 3(38) investment fiduciary services, custom actively-managed risk-based investment models, and a proprietary Advisor Assist technology platform that enables financial advisors, recordkeepers, TPAs, broker-dealers, banks, and CPAs to build and manage retirement plans for business owners. Revenue is generated through recurring percentage-of-AUM fees (5 to 25 basis points) on retirement plan assets, complemented by holistic private wealth planning for individual clients.

Product overview

Chairvolotti Financial offers an integrated retirement plan ecosystem built around the Advisor Assist Platform. The core offering combines Elite 3(38) Investment Fiduciary services with Handcrafted Investment Models to deliver private wealth-level investment management to 401(k) participants. The suite includes a Partner Program for TPAs and recordkeepers, and a Rollover Machine for advisor-driven IRA conversion. For individual clients, Chairvolotti Private Wealth provides holistic planning across accumulation, distribution, and transfer phases. All services leverage LPL Financial's infrastructure and are CEFEX-certified for fiduciary excellence.

Differentiator

Problem solved

Functional benefit

Brands

• Advisor Assist: A platform providing Elite 3(38) investment fiduciary services and handcrafted investment models for retirement plans, enabling advisors to deliver world-class retirement plan outcomes.

Products and services

• Elite 3(38) Investment Fiduciary CEFEX-certified ERISA Investment Management and Fiduciary Services providing liability protection and fiduciary responsibility for retirement plan advisors. Approved ERISA 3(38) Investment Manager via LPL Financial's Retirement Plan Consulting Program. Priced at 0.05% (5 basis points).
• Handcrafted Investment Models Custom, actively-managed, risk-based (not age-based) asset allocation models bringing private wealth investment strategy to 401(k) participants, including quarterly advice to take advantage of market trends. Priced at 0.20% (20 basis points).
• Advisor Assist Partner Program A scalable engine for advisor acquisition and activation designed for TPAs and recordkeepers, providing a single point of contact, technology tools, and support for recruiting and activating new advisors. Fees range from 0.05% (5 bps) to 0.25% (25 bps) depending on services utilized.
• Rollover Machine A process-driven system for advisors to identify rollover opportunities, generate Rollover Scores to predict whether participants will roll assets into an IRA versus cashing out, and retain assets within the advisory relationship.
• Chairvolotti Private Wealth Holistic financial planning, college planning, individual wealth management, and insurance services for individual clients and business owners, structured around a three-phase wealth approach: Accumulation, Distribution, and Transfer.

Quantifiable outcome

• 5 basis points for base fiduciary services, competitive with institutional 3(38)s that provide plain vanilla lineups
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• LPL FinancialcoreStrategic or Co-development PartnerChairvolotti Financial is a proud partner with LPL Financial, one of the nation's leading financial services companies. They share core beliefs in objective financial guidance as a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities, meaning advisors affiliated with LPL are not pressured to sell LPL products. Ed Chairvolotti serves on the Advisor Council for LPL Financial Retirement Partners.
• RecordkeeperscoreChannel Partner/ Reseller/ DistributorPartnership with plan recordkeepers to build a repeatable, scalable model for recruiting and activating new advisors. The relationship involves introducing the Advisor Assist platform to recordkeepers' advisor networks to help them identify opportunities, sell more plans, and retain more plans.
• Third-Party Administrators (TPAs)coreChannel Partner/ Reseller/ DistributorPartnership with TPAs to build a repeatable, scalable model for recruiting and activating new advisors. Chairvolotti acts as an experienced business-building partner that speaks the language of TPAs and advisors.
• Broker-DealerscoreChannel Partner/ Reseller/ DistributorPartnership with broker-dealers to provide trusted 3(38) solutions for plan advisors and business owner clients. The Elite 3(38) solution goes beyond fiduciary protection to add value to broker-dealer relationships.
• Bank ChannelcoreChannel Partner/ Reseller/ DistributorPartnership with bank channel to provide trusted 3(38) solutions for retirement plan clients, helping banks limit risk, handle independence issues, and help clients succeed.
• CPA FirmscoreChannel Partner/ Reseller/ DistributorPartnership with CPA firms to help business owner clients with retirement plan concerns. CPAs are described as the 'ears of the business owner' and Chairvolotti can help allay retirement plan concerns.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CAPTRUST: One of the largest US independent retirement plan advisors, providing 3(21) and 3(38) investment fiduciary services to plan sponsors with a B2B advisor model very similar to Chairvolotti's. Directly comparable in target customer (plan sponsors via advisors), service offering (fiduciary outsourcing), and AUM-based fee structure.
• NFP (NFP Corp): Large insurance and advisory firm with significant retirement plan advisory and 3(38) capabilities, distributing through broker-dealer, advisor, and institutional channels. Comparable target customer and channel-based B2B model.
• SageView Advisory Group: Specialist retirement plan advisory firm focused exclusively on 3(38) investment management, participant services, and advisor support — overlapping closely with Chairvolotti's Advisor Assist platform, fiduciary outsourcing, and handcrafted model positioning for plan advisors.
• Milliman: Actuarial and consulting firm with substantial retirement plan consulting and investment advisory services for plan sponsors, including outsourced chief investment officer offerings. Overlaps with Chairvolotti's risk-based models and fiduciary protection focus.
• OneDigital: Integrated retirement, wealth, and benefits advisory firm serving mid-market plan sponsors with 3(38) services and advisor partnership models. Comparable in combining fiduciary outsourcing with multi-channel partner distribution and holistic financial planning.

Broad incumbents

• Empower Retirement: Second-largest US retirement plan recordkeeper with integrated 3(38) investment management and advisor support capabilities. A broad incumbent offering overlapping services as part of a much larger retirement services portfolio.
• Fidelity Investments: Largest US retirement plan recordkeeper and asset manager offering target-date funds, advisory services, and 3(38) capabilities. A broad incumbent that competes for the same plan sponsor and advisor wallet but at massive scale with proprietary funds.
• Vanguard: Dominant target-date fund and low-cost passive investment provider serving retirement plans. Competes head-on with Chairvolotti's Handcrafted active models through inexpensive TDFs that anchor many plan lineups.

Others

• Cetera Financial Group: Independent broker-dealer network serving thousands of financial advisors with retirement plan and wealth solutions. A center-of-influence partner comparable to Chairvolotti's broker-dealer channel relationships and a potential distribution partner or competitor.

Emerging players

• Carson Group: Advisor support platform providing technology, coaching, and practice management to independent financial advisors, including retirement plan capabilities. Comparable in building B2B infrastructure that helps advisors scale retirement and wealth practices.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/chairvolottifinancial
• LinkedInlinkedin.com/company/chairvolotti-financial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Chairvolotti Financial