US Financial
- Company typePrivate
- Founded1992
- HeadquartersDes Plaines, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
US Financial firmographics
Firmographics- Name
- US Financial
- Legal name
- U.S. Financial, Ltd.
- Website
- https://usfltd.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
US Financial industry classification
Industry- Product category
- Personal Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (52421)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
- akta.pro secondary industry
- Risk Management & Insurance Advisory for Families (FSAAADAK)
Keywords
Where US Financial is headquartered
LocationHeadquarters
- HQ city
- Des Plaines
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
US Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Products: Life insurance products sold through multiple carrier partnerships. The firm acts as an insurance broker, earning commissions from insurance carriers for policies placed.
- Financial Advisory & Brokerage Services: Investment advisory and brokerage services offered through Cetera Wealth Services (FINRA member broker-dealer) and Avantax Investment Services. Revenue derived from advisory fees based on assets under management and transaction-based brokerage commissions.
- Tax & Accounting Services: Tax preparation, bookkeeping, payroll, and accounting services for individuals and small businesses. Revenue likely based on service fees for tax preparation and hourly or fixed-fee arrangements for ongoing accounting services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Financial Tune-Up Consultation |
| Other | Pay-as-you-go | Tax & Accounting Services |
| Other | Pay-as-you-go | Life Insurance Products |
| Subscription | Annual | Investment Advisory Services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
US Financial product offering
Product offeringCore offering
U.S. Financial, Ltd. is a family-run financial services firm that sells life insurance through multiple carrier partnerships and provides tax preparation, bookkeeping, payroll, retirement planning, and investment advisory services to individuals, families, and small business owners in the greater Chicago area. The firm operates as an independent insurance broker and is affiliated with Cetera Wealth Services, LLC and Avantax Investment Services to deliver securities and investment advisory products.
Differentiator
Problem solved
Functional benefit
Products and services
- Life Insurance Life insurance products helping families cover everyday expenses, pay off debt, and handle medical or final costs. The firm works with multiple carriers to help clients choose coverage that fits their needs and budget. Targeted at individuals and families in the greater Chicago area.
- Tax & Accounting Tax filing, planning, and accounting services for individuals, families, and small business owners. Includes strategic tax consultation, bookkeeping, payroll, personal income tax preparation, and corporate structure analysis (S Corp vs C Corp). Also covers IRS representation and W-2 vs 1099 contractor classification guidance.
- Retirement Planning Retirement planning services helping clients build clear, realistic strategies for their financial future, whether buying a first home or approaching retirement. The service evaluates current positioning and provides actionable next steps to progress toward retirement goals.
- Financial Tune-Up A comprehensive financial review service that examines current strategy, identifies gaps, risks, and opportunities, and recommends practical next steps based on client-provided tax returns, insurance policies, and property tax bills. Designed as an entry-point consultation for new clients.
- Insurance-Based Financial Solutions Insurance-based solutions using Long Term Care coverage, Life Insurance, Disability, and Annuity products to fulfill client financial planning needs, provided by Vice President of Insurance Services John Weisser.
- Investment Planning & Brokerage Full-service brokerage and investment advisory services provided through affiliation with Avantax Investment Services, one of the largest independent broker-dealers focusing on tax-intelligent financial planning. Includes advisory work delivered by an Investment Advisor Representative.
Companies that use US Financial
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
US Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
US Financial partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Avantax Investment ServicescoreVictor Karas became affiliated with Avantax Investment Services in 2011 to offer full-service brokerage and investment advisory services. Avantax is one of the largest independent broker dealers focusing on tax-intelligent financial planning.
- Multiple Insurance CarrierscoreU.S. Financial works with multiple insurance carriers to provide life insurance products. They help clients choose the coverage and company that best fits their needs and budget, acting as an independent insurance broker.
- Cetera Wealth Services, LLCcoreRegistered Representative offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
US Financial competitors and assessment
Company assessmentBroad incumbents
- Northwestern Mutual: A major US life insurance and wealth management company with a career-advisor, integrated insurance-plus-investment model similar to US Financial's combined life insurance, retirement, and advisory offering.
- MassMutual: A major US mutual life insurance company with affiliated advisory and retirement offerings delivered through financial professionals, mirroring US Financial's integration of life insurance with retirement and investment planning.
- New York Life: A large mutual life insurer with affiliated investment and advisory services delivered through career agents—comparable to US Financial's model of combining life insurance brokerage with investment advisory under one relationship.
- Ameriprise Financial: A diversified US financial services firm with an advisor-led model offering investment advisory, retirement, insurance, and tax-related planning—directly comparable to US Financial's integrated advisory/insurance footprint.
Direct peers
- Edward Jones: A large US financial advisory firm that serves individual investors and small-business clients through a community-branch, relationship-led model closely paralleling US Financial's local, personal-service approach, though at vastly greater scale.
- Waddell & Reed Financial: A US wealth advisory firm delivering personal investment and financial planning services through a distributed advisor network—comparable to US Financial's advisor-led retail wealth and planning model.
- H&R Block: A large US tax preparation services firm targeting individuals and small businesses; directly comparable to US Financial's tax and accounting service line for the same customer segments.
Others
- Cetera Financial Group: The broker-dealer and RIA parent through which US Financial offers securities and advisory services; comparable as the platform/infrastructure provider that defines the regulatory and product framework US Financial operates within.
- Avantax: An independent broker-dealer and RIA platform focused on tax-intelligent financial planning; comparable as the second platform affiliation US Financial uses to deliver investment and brokerage services to its clients.
- Robert Half: A US staffing and consulting firm with dedicated tax and accounting services for individuals and small businesses; comparable to US Financial's tax preparation, bookkeeping, and payroll offerings, though at much larger scale.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
US Financial social profiles
Digital presenceUS Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
US Financial leadership team
Management profileNumber of profiles
Profiles3 records
US Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
US Financial 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 US Financial
What does US Financial do?
U.S. Financial, Ltd. is a family-run financial services firm that sells life insurance through multiple carrier partnerships and provides tax preparation, bookkeeping, payroll, retirement planning, and investment advisory services to individuals, families, and small business owners in the greater Chicago area. The firm operates as an independent insurance broker and is affiliated with Cetera Wealth Services, LLC and Avantax Investment Services to deliver securities and investment advisory products.
Is US Financial a public or private company?
US Financial is a private company. It is classified as family owned and is currently operating.
When was US Financial founded?
US Financial was founded in 1992. It employs 1 to 10 people.
Where is US Financial based?
US Financial is headquartered in Des Plaines, United States, in the North America region.
How does US Financial make money?
Three revenue lines are on record. Insurance Products are the primary driver. The others are financial Advisory & Brokerage Services and tax & Accounting Services.
Who are US Financial's main competitors?
Broad incumbents on record are Northwestern Mutual, MassMutual, New York Life and Ameriprise Financial. Direct peers are Edward Jones, Waddell & Reed Financial and H&R Block. Others are Cetera Financial Group, Avantax and Robert Half.
Does US Financial have an API?
No public API is recorded for US Financial.
What industry is US Financial in?
US Financial's product category is Personal Financial Advisory Services. Its primary akta.pro industry code is FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions), with a secondary code of FSAAADAK, Risk Management & Insurance Advisory for Families. Its NAICS code is 523940 and its SIC code is 6282.