Marmo Financial Group

What Marmo Financial Group does

Marmo Financial Group, LLC (MFG) is an independent, fee-only registered investment advisory firm headquartered in Johnson City, Tennessee, founded circa 2007. The firm serves individuals, families, trusts, non-profits, and small businesses in the Tri-Cities region of eastern Tennessee, western North Carolina, and surrounding areas, with physical offices in Johnson City, Knoxville, and Asheville. Its service portfolio spans retirement planning, investment management, discretionary 3(38) 401(k) management, estate planning, tax planning, insurance guidance, and budgeting, organized into eight interconnected service modules supported by over 30 financial calculators and an educational article and video library.

The firm's operating model is built on independent fiduciary advice with no ownership ties to accounting firms, insurance companies, banks, or brokerages. Revenue is generated through recurring investment advisory fees (AUM-based or flat fees disclosed via ADV Part 2A), with a sales-led go-to-market focused on long-term client relationships. MFG delivers services through a standard RIA technology stack: TD Ameritrade Institutional serves as primary clearing custodian (with SIPC plus excess captive insurance coverage), Schwab Alliance provides client account access, MoneyGuidePro powers financial planning, and Tamarac provides the client portal; FMG Suite supplies the marketing content engine.

Strategic positioning emphasizes fiduciary independence, regional personal service, and client education as primary acquisition channels. The firm holds a registered trademark ('Improving Our Clients' Positions') and is CCPA-compliant. Scope is constrained by a 1-10 employee headcount band, no disclosed funding, no M&A activity, and no announced plans to scale beyond the Tri-Cities footprint.

Name

Marmo Financial Group

Legal name

Marmo Financial Group, LLC

Website

https://marmofinancial.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Marmo Financial Group is an independent, fee-only RIA in Johnson City, Tennessee serving individuals, families, trusts, non-profits, and small businesses with retirement, investment, 401(k) 3(38), estate, tax, and insurance planning across the Tri-Cities region.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Financial advisory services
• Retirement planning
• Investment management
• 401(k) management
• Estate planning

Headquarters

HQ city

Johnson City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Fees: Fee-only independent advisory firm providing investment management and financial planning services. Not owned by any accounting firm, insurance company, bank, or brokerage house, enabling objective financial advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Marmo Financial Group is a fee-only independent Registered Investment Adviser that provides personalized financial advisory services to individuals, families, trusts, non-profits, and businesses. Its core offerings include comprehensive financial planning (retirement, investment, estate, tax, insurance, and budgeting) and discretionary 3(38) management services for employer-sponsored 401(k) plans, delivered through a fiduciary model unencumbered by product manufacturer ownership.

Product overview

Marmo Financial Group (MFG) operates as an independent advisory firm offering a unified financial services platform centered on fiduciary advisory relationships. The core offering combines personalized financial planning with specialized retirement account management through their 401(k) discretionary 3(38) service. The product suite encompasses eight interconnected service modules: Retirement Planning, Investment Services, Estate Planning, Tax Planning, Insurance Services, and Budgeting Services—all designed to work together under a comprehensive advisory framework. Supplementary educational tools including over 30 financial calculators, a video library, and an article repository support client education and planning. The firm connects to third-party platforms (TD Ameritrade for custody, MoneyGuidePro for financial planning, and Schwab for brokerage accounts) to deliver integrated account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Advisory Services Independent advisory services for individuals, families, trusts, non-profits, and small businesses, providing objective fiduciary financial advice without ownership ties to accounting firms, insurance companies, banks, or brokerages. Engagements span retirement, investment, estate, tax, insurance, and budgeting planning delivered through ongoing advisory relationships.
• 401(k) Management Discretionary 3(38) management services for employer-sponsored retirement plans, allowing the firm to make and monitor investment decisions on behalf of plan sponsors and relieving them of day-to-day fiduciary oversight responsibility. Plan sponsors access the service through the PCS Retirement platform.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• TD Ameritrade InstitutionalcoreTechnology or IntegrationPrimary clearing firm and custodian for client accounts. Houses books and records, provides backup systems and trading infrastructure. Critical partner in business continuity planning.
• Schwab AlliancecoreTechnology or IntegrationPlatform providing client account access and management capabilities for securities and cash held in client accounts.
• MoneyGuideProcoreTechnology or IntegrationFinancial planning software platform used to develop and manage comprehensive client financial plans.

Recent moves5 records

Expansion highlights4 records

Emerging players

• Betterment: Leading digital wealth manager offering automated investment management and retirement planning. Comparable in retirement and investment planning focus to Marmo, but delivered via a fully digital, low-fee model targeting the same mass-affluent segment.
• Charles Schwab Personal Advisor Services: Schwab's hybrid robo-plus-advisor offering that combines digital planning with dedicated CFPs. Comparable target market to Marmo (mass-affluent and retirement-focused clients) but delivered through a tech-enabled, lower-cost model that competes for the same households.

Broad incumbents

• Focus Financial Partners: Partnership platform for independent wealth management firms, offering fiduciary advisory and 401(k) services. Directly comparable service mix to Marmo, though organized as a holding structure of many partner firms across the U.S.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting independent financial advisors with custody, technology, and practice resources. Comparable independent-advisor business model to Marmo but at vastly larger scale.
• Cetera Financial Group: Network of independent financial advisors providing retirement planning, investment management, and wealth advisory. Overlaps with Marmo's fiduciary wealth and retirement advisory offering, with broader product and platform support.
• Fisher Investments: Large independent money management and wealth advisory firm serving individuals, families, and institutions. Comparable in delivering investment and retirement advisory services, but operates as a much larger asset manager.
• Cambridge Investment Research: Independent broker-dealer supporting RIAs with compliance, technology, and practice management. Comparable to Marmo's independent advisory model, though serving a much larger advisor community nationwide.
• Edelman Financial Engines: One of the largest independent RIAs in the U.S., providing financial planning, investment management, and retirement plan services. Comparable to Marmo's fiduciary, fee-only model but with national scale and corporate 401(k) capabilities.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting independent financial advisors with practice management, custody, and technology. Comparable to Marmo's independent advisory positioning but at significantly larger scale.
• Mariner Wealth Advisors: Large national RIA offering comprehensive wealth advisory, retirement planning, estate, and tax services. Comparable to Marmo in service breadth, but operates at vastly greater scale with institutional backing and a national footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/marmo-finanacial-group-llc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Marmo Financial Group