Northeast Planning Associates

What Northeast Planning Associates does

Northeast Planning Associates, Inc. (NPA) is a private registered investment adviser founded in 1960 and headquartered in Yarmouth, Maine, providing financial planning and wealth management services across more than 40 offices in the New England region. The firm serves individuals, families, business owners, and federal employees with a service suite spanning financial planning, qualified retirement accounts (IRA, Roth IRA, 401(k), 403(b), 457, defined benefit), investment advisory accounts (mutual fund wrap and separately managed accounts), investment programs (mutual funds, variable annuities, REITs, UITs, stocks, bonds, CDs), educational savings vehicles (529, Coverdell, UGMA/UTMA), insurance products, and employee benefits advisory. A dedicated Thrift Savings Plan seminar practice targets federal employees as a niche vertical. The firm employs 101-250 people and operates with a credentialed advisory team (AIF, RFC, CFP, CIMA, CLU, CHFC designations referenced).

Name

Northeast Planning Associates

Legal name

Northeast Planning Associates, Inc.

Website

https://zackflongley.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

101–250 employees

Short description

Northeast Planning Associates is a private registered investment adviser founded in 1960, providing financial planning, wealth management, and insurance services to individuals, families, business owners, and federal employees across more than 40 New England offices.

Ownership category

akta.pro rank

Product category

Financial Planning & Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Pension Funds (525110)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Estate & Legacy Planning Advisory (FSAEAAAG), Business Owner & Executive Financial Planning (FSAEAAAO), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Financial planning services
• Wealth management advisory
• Retirement planning services
• Investment advisory services
• Insurance and annuities

Headquarters

HQ city

Yarmouth

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Planning and Advisory Services: Northeast Planning Associates provides comprehensive financial planning and investment advisory services, earning revenue through advisory fees and/or commissions on financial products distributed through their partnership with LPL Financial, a registered investment adviser (RIA) and broker-dealer, member FINRA/SIPC. Services include retirement planning, tax management, college funding, estate planning, insurance needs analysis, and investment management.
2. Securities and Insurance Products: As an associate of LPL Financial, NPA offers securities and insurance products including mutual funds, variable annuities, stocks, bonds, REITs, UITs, CDs, and various insurance programs (equity index annuities, fixed annuities, variable life insurance, universal life insurance, term insurance, whole life insurance), earning commissions on product sales.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Northeast Planning Associates delivers comprehensive financial planning and wealth management services to individuals, families, business owners, and federal employees across New England. Services include financial planning, investment advisory accounts, qualified retirement account administration, educational savings plans, insurance programs, and employee benefits advisory, with securities and advisory execution delivered through the firm's partnership with LPL Financial. The firm combines in-person meetings at more than 40 New England offices with virtual Zoom consultations.

Product overview

Northeast Planning Associates offers a comprehensive suite of financial planning and wealth management services delivered through seven core areas: Financial Planning, Qualified Accounts, Advisory Accounts, Investment Programs, Educational Accounts, Insurance Programs, and Employee Benefits. The firm provides access to a full range of financial services and products for individuals, families, and business owners, including financial planning analysis, investment advisory services, retirement account administration, and insurance products. Services are offered through the firm's partnership with LPL Financial, a registered investment adviser and broker-dealer. The company operates with more than 40 offices throughout New England and has been serving clients for over 65 years.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services

Segments3 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.

• LPL FinancialcoreStrategic or Co-development PartnerNortheast Planning Associates has partnered with LPL Financial to provide high-quality financial services. LPL Financial is a registered investment adviser (RIA) and broker-dealer, member FINRA/SIPC. The partnership provides clients with independent advice focused solely on their goals, leveraging LPL's heritage of independence and objective research, guidance, and advice. NPA operates as an associate of LPL Financial, offering securities and advisory services through this relationship.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Northwestern Mutual: Mutual insurer with a large captive advisor force delivering planning, retirement, and insurance solutions; overlapping with NPA's full-suite planning and insurance product offering.
• Charles Schwab Wealth Advisory: Large custodian and wealth manager offering advisory services through its independent advisor channel and direct-to-consumer offerings; competes with NPA on fee levels while serving as a potential custodian of choice.
• Ameriprise Financial: Large national wealth manager with a captive advisor force and broad product shelf; comparable to NPA in offering comprehensive planning, retirement, and investment advisory, but at vastly greater scale and brand reach.
• Fidelity Personal Investing: National retail investment platform offering advisor-led wealth services alongside self-directed and robo-advisor offerings; competing with NPA for the same mass-affluent households with technology-driven pricing.
• Raymond James Financial: National wealth manager and broker-dealer supporting independent advisors with planning, advisory, and investment solutions; comparable to NPA's RIA model with a third-party BD back-office, but at larger scale.
• Merrill Lynch Wealth Management: Wirehouse wealth management division of Bank of America serving high-net-worth and mass-affluent clients with full planning and investment capabilities; competes with NPA for experienced, planning-oriented households.

Direct peers

• Edward Jones: Branch-based, advisor-led financial advisory firm emphasizing local, in-person service to individuals and families — a direct business model parallel to NPA's 40+ New England offices and relationship-driven planning approach.
• Cetera Financial Group: Independent advisor support platform hosting RIAs and producing advisors; comparable to NPA's LPL-associate model in providing BD and RIA infrastructure to independent financial planners.
• Cambridge Investment Research: Independent broker-dealer and RIA platform serving independent financial advisors with planning tools and product access; mirrors NPA's RIA-through-BD model with similar advisor economics.

Emerging players

• Vanguard Personal Advisor Services: Hybrid robo-advisor combining digital portfolio management with human advisor access at low fee levels; represents the fee-compression and digital-service threat that NPA must differentiate against.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Northeast Planning Associates