Advanced Financial Solutions
Independent Vista, California-based financial advisory firm offering financial planning, investment management, retirement, estate, tax, and insurance services to individuals, families, and small business owners across 24 U.S. states, operating under Osaic Wealth, Inc.
- Company typePrivate
- Founded1990
- HeadquartersVista, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Advanced Financial Solutions does
Advanced Financial Solutions is a privately held independent financial advisory firm headquartered in Vista, California (North San Diego County), founded by John J. Aguilera, CFP, who has worked in financial services since 1990. The firm delivers comprehensive financial planning, investment management, retirement planning, estate planning, insurance advisory, and tax planning services to individual investors, families, pre-retirees/retirees, and small-to-mid-sized business owners across 24 U.S. states. Its underlying technology is a relatively conventional advisory services stack: a company website with an extensive educational Resource Center (articles, videos, financial calculators, glossary, tax resources) used as a content-led top-of-funnel acquisition channel, supplemented by third-party client portals (OneView for investment management clients and eMAPlan/SagePoint for wealth management clients) hosted by its broker-dealer partner.
The firm operates under a hosting/clearing arrangement with Osaic Wealth, Inc. (FINRA/SIPC member, formerly SagePoint Financial), through which securities transactions are executed and investment advisory services are formally offered. Revenue is generated through two streams: recurring investment advisory fees for ongoing financial planning and portfolio management engagements, and transaction commissions on securities executed via Osaic Wealth. Pricing is not publicly disclosed and is structured as personalized advisory engagements rather than standardized tiers. Go-to-market is direct advisory field sales combined with educational content marketing and community networking; the firm has roughly 8 named team members including two CFP-designated advisors (John J. Aguilera and John Lacey), several Investment Advisor Representatives, a Registered Representative, and administrative staff. The business is founder-owned and operated with no disclosed institutional investment, funding events, acquisitions, or AI/technology capabilities.
Advanced Financial Solutions firmographics
Firmographics- Name
- Advanced Financial Solutions
- Legal name
- Advanced Financial Solutions
- Website
- https://advanced-financial-solutions.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Independent Vista, California-based financial advisory firm offering financial planning, investment management, retirement, estate, tax, and insurance services to individuals, families, and small business owners across 24 U.S. states, operating under Osaic Wealth, Inc.
- Ownership category
- akta.pro rank
Advanced Financial Solutions industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Financial Planning–Led RIAs (FSAAACAB)
- akta.pro secondary industries
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
Keywords
Where Advanced Financial Solutions is headquartered
LocationHeadquarters
- HQ city
- Vista
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Advanced Financial Solutions business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Investment Advisory Fees: Fees for providing investment advisory and financial planning services to individual clients and families. Services include portfolio management, retirement planning, estate planning, and comprehensive financial advice.
- Securities Transaction Commissions: Commissions from securities transactions executed through their broker-dealer relationship with Osaic Wealth, Inc.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Advanced Financial Solutions product offering
Product offeringCore offering
Advanced Financial Solutions is an independent financial advisory practice that delivers personalized financial planning, investment management, retirement planning, estate planning, insurance advisory, tax planning, and wealth management services to individual clients, families, and small business owners. The firm also provides employer-sponsored retirement plan services. Securities and investment advisory services are offered through a broker-dealer relationship with Osaic Wealth, Inc.
Product overview
Advanced Financial Solutions is a financial advisory firm offering a comprehensive suite of financial planning and investment management services through a team of advisors. The firm provides financial planning, investment management, retirement planning, estate planning, insurance services, and tax planning as its core service offerings. Additional services include employer-sponsored retirement plans and wealth management. The firm offers client self-service tools including investment management and wealth management client portals, as well as financial calculators and planning tools accessible through their Resource Center. All services are delivered through fiduciary-advisory relationships with clients, with securities and investment advisory services offered through Osaic Wealth, Inc.
Differentiator
Problem solved
Functional benefit
Companies that use Advanced Financial Solutions
Customer profileSegments3 records
Ideal customer profiles3 records
Advanced Financial Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Advanced Financial Solutions partnerships and signals
Strategic signalScale indicators2 records
Recent moves3 records
Expansion highlights4 records
Advanced Financial Solutions competitors and assessment
Company assessmentBroad incumbents
- Mariner Wealth Advisors: Large national RIA providing comprehensive financial planning, investment, tax, and estate services to individuals and business owners. Operates through an advisor acquisition model that makes it a direct strategic acquirer peer to small independent RIAs like AFS.
- Creative Planning: Large national RIA offering comprehensive financial planning, investment management, retirement, estate, and tax planning for individuals and business owners. Highly comparable service suite and fiduciary model, but at far greater scale than AFS.
- Cambridge Investment Research: Independent broker-dealer and RIA supporting financial advisors with planning technology and investment resources. Operates a similar independent-practitioner model to AFS's affiliation with Osaic Wealth.
- LPL Financial: Largest U.S. independent broker-dealer supporting RIAs and financial advisors with custody, compliance, and technology. Comparable channel — a small advisory practice like AFS operating under a similar BD/RIA platform would be an LPL affiliate.
- Cetera Financial Group: Broker-dealer and RIA platform that supports thousands of independent financial professionals, comparable to AFS's parent relationship with Osaic Wealth. Shares the independent-contractor advisor support model.
- Edelman Financial Engines: Large RIA providing comprehensive financial planning, investment management, and retirement planning to individuals and employer plan participants. Overlaps with AFS's planning-led, fee-based model across individual and employer plan segments.
- Commonwealth Financial Network: Independent broker-dealer and RIA support platform serving financial advisors with comprehensive planning tools and back-office services. Comparable in model to a small Vista, CA-based firm affiliated with Osaic Wealth.
- Carson Group: National RIA platform and roll-up that supports independent advisors with compliance, technology, and investment resources. Comparable business model (independent advisory, fee-based, holistic planning) for similar client segments.
Emerging players
- Betterment: Leading robo-advisor offering automated investment management and financial planning tools. Targets the same mass-affluent and pre-retiree segments AFS serves, competing primarily on price and digital experience.
- Facet Wealth: Digital-first flat-fee financial planning firm targeting mass-affluent individuals. Competes for the same individual investors and small-business-owner segment as AFS via a virtual, lower-cost delivery model.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key highlights5 records
Customer concentration
Advanced Financial Solutions social profiles
Digital presenceAdvanced Financial Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Advanced Financial Solutions leadership team
Management profileNumber of profiles
Profiles9 records
Advanced Financial Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Advanced Financial Solutions 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 Advanced Financial Solutions
What does Advanced Financial Solutions do?
Advanced Financial Solutions is an independent financial advisory practice that delivers personalized financial planning, investment management, retirement planning, estate planning, insurance advisory, tax planning, and wealth management services to individual clients, families, and small business owners. The firm also provides employer-sponsored retirement plan services. Securities and investment advisory services are offered through a broker-dealer relationship with Osaic Wealth, Inc.
Is Advanced Financial Solutions a public or private company?
Advanced Financial Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Advanced Financial Solutions founded?
Advanced Financial Solutions was founded in 1990. It employs 1 to 10 people.
Where is Advanced Financial Solutions based?
Advanced Financial Solutions is headquartered in Vista, United States, in the North America region.
How does Advanced Financial Solutions make money?
Two revenue lines are on record. Investment Advisory Fees are the primary driver. The others are securities Transaction Commissions.
Who are Advanced Financial Solutions's main competitors?
Broad incumbents on record are Mariner Wealth Advisors, Creative Planning, Cambridge Investment Research, LPL Financial, Cetera Financial Group, Edelman Financial Engines, Commonwealth Financial Network and Carson Group. Emerging players are Betterment and Facet Wealth.
Does Advanced Financial Solutions have an API?
No public API is recorded for Advanced Financial Solutions.
What industry is Advanced Financial Solutions in?
Advanced Financial Solutions's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAAACAB, Financial Planning–Led RIAs, with a secondary code of FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions). Its NAICS code is 523940 and its SIC code is 6282.