Blue Rock Financial Services

What Blue Rock Financial Services does

Blue Rock Financial Services is a fee-only Registered Investment Adviser incorporated under the laws of the State of Oregon, founded in 2006 by Mike Harris. The firm delivers two core service tiers: a one-time Guidance Relationship (comprehensive financial review with a $1,500 minimum flat fee or $200 per hour) and a recurring Managed Relationship (ongoing investment management with fiduciary advice, billed at 1.00% annually on the first $1M AUM and 0.75% above, with a $2,000 minimum annual fee charged quarterly in advance). Services are provided personally by the founder, and client assets are held at third-party custodians rather than on a proprietary platform. The technology stack is composed entirely of third-party vendor integrations: Charles Schwab, TD Ameritrade, Altruist, and Shareholders Services Group serve as custodians, while Advyzon powers fee processing and performance reporting, RightCapital supports financial planning, and Holistiplan provides tax analysis.

The firm's commercial focus is narrowly concentrated on U.S. individuals and couples in their 50s and 60s who are within roughly five years of retirement and need help transitioning from employment-based to portfolio-based income. Use cases include retirement income replacement strategies, Social Security timing optimization, tax reduction, estate planning (wills and trusts), and charitable intent. The GTM motion is consultative direct sales: prospects begin with a complimentary introductory meeting, after which they are routed into either a one-time Guidance engagement or an ongoing Managed relationship. The firm maintains distribution through a personal LinkedIn profile (Mike Harris) and an educational blog on its website (currently displaying a maintenance notice), with RIA registration held in Oregon and California and stated intent to register or qualify for exemption in additional states as client demand expands.

Blue Rock is a sole-practitioner operation: headcount is limited to the founder/advisor. There is no parent company, no outside funding, and no evidence of institutional ownership. Two mailing addresses (PO Box 8445 in Medford, OR and PO Box 6085 in Williamsburg, VA) define the operational footprint. Pricing is publicly disclosed on the firm's service levels page, and there is no proprietary AI/ML capability; analytical and planning depth is delivered through vendor-supplied software combined with the founder's personal CFP™, CTFA, and trust-officer credentials.

Name

Blue Rock Financial Services

Legal name

Blue Rock Financial Services, Inc.

Website

https://bluerockfs.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

Blue Rock Financial Services is a fee-only Registered Investment Adviser founded in 2006, providing financial planning and investment management to U.S. individuals and couples in their 50s and 60s approaching retirement. It operates as a sole practitioner registered in Oregon and California.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Registered investment adviser
• Fee-only financial planning
• Retirement income planning
• Wealth management services
• Investment advisory services

Headquarters

HQ city

Medford

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Managed Relationship (AUM-based): Ongoing investment management with active portfolio management. Fees are assessed quarterly in advance based on assets under management. This is the primary recurring revenue stream.
2. Guidance Relationship: One-time comprehensive financial planning engagement with detailed analysis and specific recommendations. Billed as a minimum flat fee or hourly rate.
3. Introductory Consultation: Free one-time consultation to discuss client situation and determine fit for ongoing relationship.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Blue Rock Financial Services is a fee-only Registered Investment Adviser that provides personalized financial planning and investment management to individuals approaching and entering retirement. The firm offers a one-time Guidance Relationship (flat-fee or hourly financial planning) and an ongoing Managed Relationship (1% of assets under management) where it builds, monitors, and rebalances client portfolios held at independent third-party custodians.

Product overview

Blue Rock Financial Services is a fee-only Registered Investment Advisor offering two core service tiers. The Guidance Relationship provides one-time comprehensive financial reviews with specific recommendations and implementation support. The Managed Relationship offers ongoing investment management combined with fiduciary advice and regular portfolio updates. The firm partners with Charles Schwab & Co., Altruist, and Shareholders Services Group as custodians for client assets, and utilizes Advyzon, RightCapital, and Holistiplan for planning, reporting, and tax analysis services. Target clients are individuals and couples in their 50s and 60s approaching retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Guidance Relationship A one-time financial planning engagement for individuals approaching or entering retirement, delivered for a flat fee (with a $1,500 minimum) or at $200 per hour. Provides a personalized retirement, tax, and income plan without ongoing portfolio management.
• Managed Relationship Ongoing investment management service for retirement-age individuals, charging 1% of assets under management. Includes portfolio construction, monitoring, rebalancing, and coordination with custodians (Charles Schwab, Altruist, Shareholders Services Group, TD Ameritrade).
• Complimentary Initial Consultation A free introductory consultation that allows prospective clients to discuss goals and determine fit before purchasing either the Guidance Relationship or the Managed Relationship.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Charles Schwab & Co.coreTechnology or IntegrationCharles Schwab & Co. acts as a custodian for client assets. Blue Rock Financial Services utilizes Schwab for account administration and asset custody services.
• AltruistcoreTechnology or IntegrationAltruist acts as a custodian for client assets, providing account administration and asset custody services for the firm.
• Shareholders Services GroupcoreTechnology or IntegrationShareholders Services Group provides custodial services for client assets under management.
• TD AmeritradecoreTechnology or IntegrationBlue Rock provides client information to TD Ameritrade for the purpose of opening custodial accounts on clients' behalf. TD Ameritrade provides account custody and administration services.
• AdvyzonsupportingTechnology or IntegrationAdvyzon (yhlSoft, Inc) provides fee payment processing and performance reporting services for client accounts.
• RightCapitalsupportingTechnology or IntegrationRightCapital provides tax analysis and financial planning software services to support client planning engagements.
• HolistiplansupportingTechnology or IntegrationHolistiplan provides tax analysis services as part of the firm's financial planning toolkit.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Wealthfront: Robo-advisor and automated investment management platform offering goal-based planning including retirement. Overlaps with Blue Rock on investment management and retirement planning, though automated rather than personal advisory.
• Betterment: Robo-advisor offering automated investment management and retirement planning tools. Comparable on retirement-oriented investment management, but with a fully digital model versus Blue Rock's personal advisory approach.

Broad incumbents

• Fisher Investments: Large incumbent RIA managing portfolios primarily for high-net-worth and retirement-stage individuals. Comparable in offering active investment management for personal wealth, but at substantially greater scale and broader portfolio focus.
• Empower Personal Dashboard (formerly Personal Capital): Hybrid RIA/digital wealth platform combining free planning tools with paid advisory services, including retirement income planning. Comparable retirement planning and wealth management offering, with stronger digital tooling and brand.

Direct peers

• Edelman Financial Engines: Large fee-only RIA providing financial planning and investment management to individuals and households. Comparable target market (retirement-age individuals) and fiduciary fee-based model, though vastly larger and employer-plan-anchored.
• Facet Wealth: Fee-only digital-first RIA providing financial planning and investment management to mass-affluent households, including retirement transition planning. Closely comparable on fee-only fiduciary positioning and retirement-focused value proposition.
• Carson Group: Network of fee-only RIAs serving mass-affluent and retirement-stage clients with financial planning and investment management. Comparable as a fee-based fiduciary advisory model serving similar retirement-transition demographics, but operating at significantly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/in/mikeharrisbluerockfinsvcs

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Blue Rock Financial Services