Stoia Financial
Stoia Financial is an independent financial advisory firm founded in 1985 in Naples, Florida, providing comprehensive financial planning and investment management to high-net-worth individuals, families, and business owners in Southwest Florida via Commonwealth Financial Network's platform.
- Company typePrivate
- Founded1985
- HeadquartersNaples, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Stoia Financial does
Stoia Financial is an independent financial advisory firm founded in 1985 by Greg Stoia in Naples, Florida. The firm provides comprehensive financial planning and investment management services to high-net-worth individuals, families, and business owners in Southwest Florida. Its core offering is structured around six integrated planning modules — accumulation planning, risk management, tax planning, business planning, retirement planning, and estate planning — delivered alongside investment management spanning stocks, bonds, mutual funds, ETFs, alternative investments, and managed accounts.
The firm operates without any proprietary technology, relying entirely on the technology platform and back-office infrastructure provided by its long-standing partner, Commonwealth Financial Network. Through Commonwealth, Stoia Financial accesses institutional-grade planning and portfolio tools (Investor360, eMoney, MoneyGuidePro, RightCapital, WealthScape, AssetMap, AssetMark, among others), custody via National Financial Services (Fidelity), and a dually registered RIA/broker-dealer regulatory framework. Securities and advisory services are offered under Commonwealth's FINRA/SIPC registration, while fixed insurance products are offered separately through licensed agents.
Stoia Financial generates revenue through three streams: recurring advisory fees on managed assets, transaction-based commissions on securities trades executed through Commonwealth, and one-time commissions on fixed insurance products. The firm employs a sales-led, relationship-based go-to-market motion targeting a single regional market, with no digital self-serve channels, no paid acquisition, and no marketplace presence. The team is reported at 2-5 people, led by founder Greg Stoia (CFP, ChFC, CLU) with Mary Lou Smart as Practice Administrator. Demand generation is driven by an educational content resource center and financial calculators on the firm website.
Stoia Financial firmographics
Firmographics- Name
- Stoia Financial
- Legal name
- Stoia Financial
- Website
- https://stoiafinancial.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stoia Financial is an independent financial advisory firm founded in 1985 in Naples, Florida, providing comprehensive financial planning and investment management to high-net-worth individuals, families, and business owners in Southwest Florida via Commonwealth Financial Network's platform.
- Ownership category
- akta.pro rank
Stoia Financial industry classification
Industry- Product category
- Independent Financial Advisory & Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Fee-Only Advisory (FSAEAAAL)
Keywords
Where Stoia Financial is headquartered
LocationHeadquarters
- HQ city
- Naples
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stoia Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Advisory Fees: Fee-based advisory services through Commonwealth Financial Network, providing investment advice and financial planning for a fee.
- Securities Commissions: Commissions on securities transactions (stocks, bonds, mutual funds, ETFs, alternative investments) executed through Commonwealth's broker/dealer platform.
- Insurance Products: Fixed insurance products and services offered through licensed agents, separate from the Commonwealth broker/dealer platform.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Stoia Financial product offering
Product offeringCore offering
Stoia Financial is an independent financial services, asset management, and consulting firm that delivers comprehensive financial planning across six integrated modules (accumulation, risk management, tax, business, retirement, and estate planning) alongside investment management in stocks, bonds, mutual funds, ETFs, alternative investments, and managed accounts. Services are offered to individuals, families, and business owners in Southwest Florida through Commonwealth Financial Network's RIA and broker-dealer platform, with no proprietary products pushed.
Product overview
Stoia Financial is an independent financial services firm offering a unified suite of financial planning and investment management services. The core offering consists of comprehensive financial planning across six integrated modules: Accumulation Planning, Risk Management, Tax Planning, Business Planning, Retirement Planning, and Estate Planning. The firm operates through Commonwealth Financial Network, which provides the underlying technology platform, investment research, and access to a wide universe of investment options including stocks, bonds, mutual funds, ETFs, alternative investments, and managed accounts. The firm also provides financial guidance through educational articles, calculators, and videos as supplementary client resources.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Planning Services Comprehensive financial planning services spanning accumulation, risk management, tax, business, retirement, and estate planning for individuals, families, and business owners.
- Accumulation Planning Investment planning service addressing asset allocation, investment needs, and suitability of different securities based on client goals and risk tolerance.
- Risk Management
- Tax Planning
- Business Planning
- Retirement Planning
- Estate Planning
- Investment Management
- Fixed Insurance Products and Services
Companies that use Stoia Financial
Customer profileSegments2 records
Ideal customer profiles2 records
Stoia Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Stoia Financial partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Commonwealth Financial NetworkcoreCommonwealth Financial Network is a dually registered RIA and broker/dealer that has been the primary platform partner for Stoia Financial since 1985. Commonwealth provides regulatory supervision, clearing and custody services through National Financial Services (Fidelity), integrated technology platforms (Investor360°, eMoney, MoneyGuidePro, etc.), institutional investment research, and back-office operations. Commonwealth oversees $344 billion in total account assets as of December 31, 2024. Stoia Financial operates as an independent advisor affiliated with Commonwealth, free from proprietary product mandates.
Scale indicators2 records
Recent moves3 records
Expansion highlights2 records
Stoia Financial competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Stoia Financial social profiles
Digital presenceStoia Financial compliance and trust
Trust signalCompliance1 record
Stoia Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stoia Financial leadership team
Management profileNumber of profiles
Profiles2 records
Stoia Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stoia Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stoia Financial
What does Stoia Financial do?
Stoia Financial is an independent financial services, asset management, and consulting firm that delivers comprehensive financial planning across six integrated modules (accumulation, risk management, tax, business, retirement, and estate planning) alongside investment management in stocks, bonds, mutual funds, ETFs, alternative investments, and managed accounts. Services are offered to individuals, families, and business owners in Southwest Florida through Commonwealth Financial Network's RIA and broker-dealer platform, with no proprietary products pushed.
Is Stoia Financial a public or private company?
Stoia Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stoia Financial founded?
Stoia Financial was founded in 1985. It employs 11 to 50 people.
Where is Stoia Financial based?
Stoia Financial is headquartered in Naples, United States, in the North America region.
How does Stoia Financial make money?
Three revenue lines are on record. Advisory Fees are the primary driver. The others are securities Commissions and insurance Products.
Does Stoia Financial have an API?
No public API is recorded for Stoia Financial.
What industry is Stoia Financial in?
Stoia Financial's product category is Independent Financial Advisory & Wealth Management. Its primary akta.pro industry code is FSAEAAAL, Fee-Only Advisory. Its NAICS code is 523940 and its SIC code is 6282.