TFO Wealth Partners

What TFO Wealth Partners does

TFO Wealth Partners, LLC is a fee-only SEC-registered investment adviser headquartered in Maumee, Ohio, providing integrated wealth management and family office services to high-net-worth individuals, families, and successful business owners across 40 U.S. states. The firm operates through six offices (Maumee, Columbus, Houston, Phoenix, Winchester, and St. Louis) with 66 colleagues and serves 1,640 families and businesses, managing $5.66B in assets under management plus $1.12B in self-directed retirement plan assets under advisement (total $6.78B) as of December 31, 2025, with a 96% client retention rate. The firm traces its roots to 1986, formally launched its investment business in 1993 in partnership with LPL Financial, established its own RIA (TDC Investment Advisory) in 2010 with Charles Schwab as custodian, and rebranded as TFO Wealth Partners in 2023.

The service platform is organized around eight core capabilities: wealth planning and family office services, investment advice management, tax planning and coordination, estate coordination, family governance, family life skills, philanthropic planning, and corporate retirement plan services. The firm has invested in proprietary products and content including RightTrak (a 15-module digital financial literacy curriculum for next-generation learners), The Fulfillment Index (a proprietary life-fulfillment assessment), and TFO Life Academy. TFO Trust Company (formerly Pando Tree Trust Company, established 2018) operates as a wholly-owned South Dakota-based trust subsidiary, extending service scope into trust administration. The Wealth and Purpose Podcast, launched in 2025 and hosted by President Brady Fineske, functions as a content distribution channel.

The business model is advisory-fee based on a recurring annual billing structure with quote-based pricing not publicly disclosed. Distribution is direct and relationship-driven, supported by thought-leadership channels including the podcast, the Wealth Connections webinar series, a content library, and a partnership program for like-minded advisors (TFO For Advisers). The firm is privately held as a partner-owned Ohio LLC with no disclosed institutional investors, parent company, or external funding; growth since inception has been entirely organic, driven by client referrals and advisor-led acquisition.

Name

TFO Wealth Partners

Legal name

TFO Wealth Partners, LLC

Website

https://tfowealth.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

TFO Wealth Partners is a fee-only SEC-registered investment adviser providing integrated wealth management and family office services to 1,640 high-net-worth families and businesses across 40 U.S. states, managing $6.78B in client assets through six offices.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Investment Advice (6282)

akta.pro primary industry

Multi-Family Offices (MFOs) (FSAAADAB)

akta.pro secondary industries

Family Office Trust & Fiduciary Services (FSAEAKAF), Trust & Estate Tax Planning & Compliance (FSAEAKAE), Trust Administration & Fiduciary Accounting Services (FSAAANAF)

Keywords

• Wealth management services
• Investment advisory
• Estate planning
• Retirement plan services
• Family office solutions

Headquarters

HQ city

Maumee

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Fee-only registered investment adviser providing investment advisory services. Total client assets as of December 31, 2025 comprised of $5.66B assets under management and $1.12B of self-directed retirement plan assets under advisement. Firm is SEC registered investment adviser.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

TFO Wealth Partners is a fee-only SEC-registered investment adviser delivering customized financial life management to high-net-worth individuals, families, and successful businesses. Its integrated offering spans investment advice management, wealth planning, estate coordination, tax planning, family governance, philanthropic planning, family life skills education, and corporate retirement plan services. The firm supplements these services with proprietary tools such as the RightTrak financial literacy curriculum, TFO Life Academy, The Fulfillment Index, and a wholly-owned trust company subsidiary.

Product overview

TFO Wealth Partners is an integrated wealth management firm offering a unified suite of services for high-net-worth individuals, families, and businesses. The firm operates as a single platform combining eight core service areas: Wealth Planning and Family Office Services, Investment Advice Management, Tax Planning and Coordination, Estate Coordination, Family Life Skills, Philanthropic Planning, Family Governance, and Corporate Retirement Plan Services. These are supported by proprietary products including RightTrak (a digital financial education curriculum), TFO Life Academy, and The Fulfillment Index assessment tool. The firm also operates TFO Trust Company as a subsidiary for trust services and produces The Wealth and Purpose Podcast as a content platform.

Differentiator

Problem solved

Functional benefit

Brands

• TFO Life Academy: Proprietary education program providing tools and skills for financial success and independence for family members, including the RightTrak digital curriculum.
• RightTrak
• TFO Trust Company
• The Fulfillment Index

Products and services

• Wealth Planning and Family Office Services Comprehensive wealth planning and family office services for high-net-worth individuals and families, including the Wealth & Purpose Plan, balance sheet preparation, cash flow planning, debt management, insurance consulting, and day-to-day coordination of financial activities.
• Investment Advice Management Data-driven, evidence-based investment management for high-net-worth clients, grounded in academic research and empirical evidence, with emphasis on risk-return relationships, diversification, low fees, and behavioral coaching.
• Tax Planning and Coordination Tax planning and coordination services designed to help minimize tax liabilities and maximize the wealth available for clients' purpose.
• Estate Coordination Estate planning coordination services providing clarity and peace of mind that wealth will benefit intended recipients efficiently.
• Family Governance Family governance services including values exploration, shared mission development, decision-making frameworks, and purposeful family meeting facilitation.
• Family Life Skills Services helping family members achieve financial independence through the TFO Life Academy program and the RightTrak financial education curriculum.
• Philanthropic Planning and Activities Philanthropic planning services including a four-pronged discovery process, charitable vehicle evaluation, and grant review process to align giving with client values.
• Corporate Retirement Plan Services Retirement plan advisory services providing fiduciary protection, investment consulting, ERISA 3(38) fiduciary services, and participant education for 401(k) and other retirement plans offered to plan sponsors.
• TFO Trust Company A South Dakota-based trust company established as a wholly-owned subsidiary to provide trust services to client families.
• RightTrak A fully digital, self-paced financial education program for next-generation learners featuring 15 modules covering budgeting, banking, borrowing, savings, credit, investing, insurance, estate planning, and philanthropy across four tracks: Manage, Protect, Grow, and Share.
• TFO Life Academy An educational program helping family members obtain financial fluency, life skills, stronger connections, and a sense of purpose through online articles, videos, podcasts, and financial tools.
• The Fulfillment Index A proprietary assessment exercise designed to help individuals and families measure and strengthen fulfillment across four key areas of life: health, wealth, time, and purpose, aligning wealth with purpose in measurable ways.
• The Wealth and Purpose Podcast A podcast series hosted by Brady Fineske featuring conversations with industry leaders, authors, and thinkers to help families connect wealth and purpose, available on Spotify, Apple Podcasts, and YouTube.

Quantifiable outcome

• 96% client retention rate as of December 31, 2025
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• TFO Trust CompanycoreStrategic or Co-development Partner · 1 January 2018Opened Pando Tree Trust Company (now doing business as TFO Trust Company), a South-Dakota based trust company in 2018 as part of commitment to being more for clients and serving their unique needs.
• Charles SchwabcoreTechnology or Integration · 1 January 2010Established 'TDC Investment Advisory' as a dba of TFO-TDC, LLC in 2010, launching with Charles Schwab as custodian for client assets.
• LPL FinancialcoreTechnology or Integration · 1 January 1993The Delp Company partnered with LPL Financial as broker dealer in 1993, marking the initial launch of the investment business.
• Arcovo AIminorStrategic or Co-development PartnerCEO Jeff Knauss appeared on TFO Wealth Connections Webinar discussing how businesses are using AI to support teams, improve efficiency, and drive growth.
• BlackCloakminorStrategic or Co-development PartnerDr. Chris Pierson, founder and CEO of BlackCloak, appeared on multiple webinars discussing cybersecurity threats targeting families and protection strategies.
• Boutique Travel AdvisorsminorStrategic or Co-development PartnerJanet Semenova from Boutique Travel Advisors appeared on webinar discussing designing travel experiences for individuals, families, and teams.
• GoingIvyminorStrategic or Co-development PartnerErin Goodnow, CEO of GoingIvy, appeared on webinar discussing college admissions landscape including optional testing, affirmative action impact, and application tips.
• RightTrakcoreTechnology or IntegrationRightTrak is a fully digital, self-paced financial learning curriculum partnered with high schools and college athletic programs to spread financial literacy impact.

Scale indicators7 records

Recent moves17 records

Expansion highlights6 records

Direct peers

• Creative Planning: Fee-only RIA providing wealth management, tax, estate, and retirement plan services to HNW clients nationwide. Comparable service breadth and HNW focus, but with significantly larger AUM and a private-equity-backed growth model.
• Tolleson Wealth Management: Privately-held, family-office-style RIA serving ultra-high-net-worth families with integrated wealth planning, investment management, and trust services. Closest comparable to TFO on multi-family office positioning, fee-only model, and family-centric service philosophy.
• Carson Group: Partnership-model RIA serving financial advisors and their HNW clients with wealth management, coaching, and back-office support. Comparable partner/ownership structure and HNW focus, though materially larger and PE-backed.
• Aspiriant: Fee-only RIA providing integrated wealth management, tax, and estate planning to HNW individuals and families. Closely comparable in client segment, fee-only model, and integrated service delivery, at a similar mid-market scale.
• Pathstone: Independent, employee-owned wealth management firm serving ultra-high-net-worth families, foundations, and endowments with family office services. Comparable family-office positioning, in-house trust capabilities, and partner-ownership model.
• Mariner Wealth Advisors: Large independent RIA offering comprehensive wealth planning, investment management, tax, estate, and family office services to high-net-worth individuals and families. Most comparable to TFO on integrated HNW service platform and fee-only model, though at substantially greater scale.
• Focus Financial Partners: Partnership of independent wealth management firms serving HNW clients. Comparable to TFO on partner-ownership model and fee-only RIA approach, though Focus operates as a multi-affiliate consolidator at significantly greater scale.

Broad incumbents

• Edelman Financial Engines: Large national RIA combining financial planning, investment management, and workplace retirement plan services. Comparable on fee-only HNW wealth management and retirement plan services, but at much larger scale and broader geographic reach.
• Goldman Sachs Personal Wealth Management: Wealth management arm of Goldman Sachs serving HNW and UHNW individuals with investment advisory, planning, and banking services. Comparable HNW client segment and integrated services, but with the brand and capital of a major bulge-bracket bank.

Others

• Charles Schwab Wealth Advisory: Schwab's own wealth advisory solutions, served on the same Schwab Alliance custodian platform TFO uses. Not a direct competitor for TFO's bespoke HNW offering, but represents the low-cost institutional alternative and a custodian concentration risk.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tfowealth
• YouTubeyoutube.com/@tfowealth
• Facebookfacebook.com/tfowealth
• LinkedInlinkedin.com/company/tfowealth
• Instagraminstagram.com/tfowealthpartners

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries1 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 TFO Wealth Partners