FNB wealth management

What FNB wealth management does

FNB Wealth Management, Inc. is a privately held financial advisory firm headquartered in Hamilton, Alabama, operating since 2001 as a marketing name under Cetera Investment Services. The firm delivers insurance, financial planning, and investment services primarily to individual investors, with a secondary focus on small business owners seeking employee retirement plan support. Service offerings are structured around three lines: securities and insurance brokerage products distributed through registered representatives of Cetera Investment Services LLC (FINRA/SIPC member); investment advisory services offered through Cetera Investment Advisers LLC on an assets-under-management fee basis; and tailored financial strategies covering retirement, estate, investment, insurance, tax, and lifestyle planning.

The firm's underlying technology is minimal: client account access is delivered through the AdviceWorks platform, and market data is sourced from a TradingView widget embedded in the website. No proprietary technology stack or AI/ML capabilities are disclosed. Client acquisition follows a sales-led go-to-market model built on direct financial advisor consultations, community outreach, and a content-driven resource center that publishes educational articles across seven topic areas (Retirement, Estate, Investment, Insurance, Tax, Money, Lifestyle) to drive top-of-funnel engagement.

FNB generates revenue through two streams: transaction-based commissions on securities and insurance product sales, and recurring asset-based fees on investment advisory mandates. Pricing is not publicly disclosed and is structured quote-based per engagement. The firm operates within a strictly domestic footprint — explicitly limited to US residents — with its single disclosed office serving the Hamilton, Alabama market. Ownership is private with no disclosed funding history, investors, or M&A activity.

Name

FNB wealth management

Legal name

FNB Wealth Management, Inc.

Website

https://www.fnbwealthinc.com

Company type

Private

Founded year

2001

Operating status

Operating

Short description

FNB Wealth Management is a privately held financial advisory firm in Hamilton, Alabama, operating under Cetera Investment Services. It provides securities, insurance, and investment advisory services primarily to individual investors and small business owners via a sales-led, education-driven advisor model.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Wealth management services
• Investment advisory services
• Financial planning
• Securities brokerage
• Retirement planning

Headquarters

HQ city

Hamilton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Investment advisory services offered through Cetera Investment Advisers LLC, receiving fees based on assets under management.
2. Securities and Insurance Products: Securities and insurance products offered through Registered Representatives of Cetera Investment Services LLC, receiving transaction-based compensation (commissions) for brokerage services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

FNB Wealth Management delivers personalized financial strategies covering retirement, estate, investment, insurance, tax, and lifestyle planning for individual investors and small businesses. Securities and insurance products are offered through Registered Representatives of Cetera Investment Services LLC (member FINRA/SIPC), and investment advisory services are offered through Cetera Investment Advisers LLC, supported by an online research resource center and financial tools.

Product overview

FNB Wealth Management is a marketing name of Cetera Investment Services, operating as a single unified financial advisory practice rather than a platform-plus-modules architecture. The core offering comprises three interrelated service lines: Securities and Insurance Products (brokerage services through Cetera Investment Services LLC), Investment Advisory Services (through Cetera Investment Advisers LLC), and tailored Financial Strategies and Planning. These are supported by educational add-on modules including a Research and Resource Center covering topics like retirement, estate, investment, insurance, tax, money, and lifestyle, as well as Financial Tools and Calculators. Clients access services through Account Login via the AdviceWorks platform, and the firm also leverages Cetera Investment Management for additional wealth management capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Strategies and Planning Tailored financial strategies that help clients pursue their financial objectives, covering retirement planning, estate planning, investment management, insurance, tax planning, and general financial guidance, delivered through financial advisor consultations.
• Securities and Insurance Products Brokerage services offering securities and insurance products through Registered Representatives of Cetera Investment Services LLC, member FINRA/SIPC, generating transaction-based compensation.
• Investment Advisory Services Investment advisory services offered through Cetera Investment Advisers LLC, providing personalized investment advice compensated by fees based on assets under management.

Segments2 records

Ideal customer profiles2 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.

• Cetera Investment ServicescoreChannel Partner/ Reseller/ DistributorFNB Wealth Management is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Registered Representatives of Cetera Investment Services LLC, member FINRA/SIPC. Investment advisory services offered through Cetera Investment Advisers LLC.

Recent moves1 record

Direct peers

• Edward Jones: Large US financial advisory franchise focused on individual mass-affluent investors, delivering personalized financial planning, retirement, insurance, and investment services through a network of local branch offices. Highly comparable to FNB's community-rooted, advisor-led, comprehensive planning model.
• Ameriprise Financial: Financial advisory company serving individuals with retirement, investment, insurance, and estate planning through a national network of independent advisors. Comparable to FNB in offering integrated advice, insurance, and investment solutions under a single advisor relationship.
• Northwestern Mutual: Provider of life insurance, investment advisory, and retirement planning services to individuals through a network of financial representatives. FNB's insurance + advisory integration mirrors Northwestern Mutual's hybrid model.
• Creative Planning: Large independent RIA delivering comprehensive financial planning, investment management, tax, and estate services to individuals and families. Comparable to FNB as an independent advisory practice model offering integrated planning services to mass-affluent individuals.

Broad incumbents

• Cetera Financial Group: Parent organization of Cetera Investment Services and Cetera Investment Advisers — the broker-dealer and RIA networks under which FNB operates. Comparable as the broader incumbent platform of which FNB is an affiliate practice.
• LPL Financial: Largest independent broker-dealer in the US, supporting thousands of affiliated financial advisors who deliver brokerage, advisory, and insurance services to individual clients. Comparable to FNB as the network-level infrastructure for independent advisor practices.
• Raymond James Financial: Diversified financial services holding company with a large independent advisor network offering wealth management, investment, and retirement planning to individuals. Comparable to FNB as another broad platform serving individual clients through affiliated advisors.
• Cambridge Investment Research: Independent broker-dealer supporting a national network of financial advisors offering wealth management, retirement, and insurance solutions to individuals. Comparable to FNB as an independent advisor platform with similar broker-dealer economics.
• Charles Schwab Wealth Advisory: Large retail wealth advisory franchise offering investment advisory and retirement planning to mass-affluent individuals through both digital and advisor-led channels. Comparable to FNB as a major incumbent competing for the same individual wealth management segment.
• Merrill Lynch Wealth Management: Bank-affiliated wealth management franchise serving mass-affluent and high-net-worth individuals with integrated financial planning, investment, retirement, and insurance solutions. Comparable to FNB in serving individual clients across the full wealth planning lifecycle.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 FNB wealth management