RNL & Associates

What RNL & Associates does

RNL & Associates is a privately held financial advisory firm operating as a division of BerkshireBanc Investment Services, headquartered at 86 North Main Street in Rutland, Vermont. The firm delivers holistic, personalized financial planning services to individual and family clients, spanning day-to-day finances, retirement planning, investment planning, estate strategies, insurance, and tax strategies. Securities and advisory services are offered through Commonwealth Financial Network (Member FINRA/SIPC, a Registered Investment Adviser), and the firm is not itself registered as a broker-dealer or registered investment adviser; BerkshireBanc Investment Services and Commonwealth are separate, unaffiliated entities.

The firm's product portfolio consists of a single integrated financial planning service supported by a client-facing Client Center (Account Access portal, Financial Calculators, and a Resource Center with articles and videos on retirement, investment, estate, insurance, tax, money, and lifestyle topics). The website and content marketing are produced through a technology/marketing partnership with FMG Suite, indicating a templated digital infrastructure typical of independent advisor practices. There is no proprietary technology, mobile app, or API noted, and no AI/ML capabilities are mentioned.

The business model is sales-led and consultation-driven: prospective clients submit a contact form to schedule an initial conversation, which is then matched with an appropriate financial professional. Revenue is generated through financial advisory and planning services, with the input data classifying the revenue model as subscription/recurring advisory fees, though pricing is not publicly disclosed. The firm's stated geographic restriction is that advisors may only discuss and transact business with residents of states where they are properly registered or licensed, with the primary operating geography stated as Vermont.

Name

RNL & Associates

Legal name

RNL & Associates

Website

https://rnlpc.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

RNL & Associates is a privately held financial advisory firm in Rutland, Vermont, operating as a division of BerkshireBanc Investment Services and offering holistic financial planning services to individual and family clients through Commonwealth Financial Network.

Ownership category

akta.pro rank

Product category

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

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Financial planning services
• Retirement planning
• Investment advisory
• Estate planning
• Tax planning

Headquarters

HQ city

Rutland

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

Revenue model

1. Financial Advisory Services: Revenue is generated through financial advisory and planning services offered to individual clients. Services include retirement planning, investment planning, estate strategies, insurance, and tax strategies. The firm operates through Commonwealth Financial Network, a registered investment adviser.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

RNL & Associates provides holistic, personalized financial planning services to individual clients, covering retirement planning, investment planning, estate strategies, insurance, and tax strategies. The firm addresses unique personal financial priorities such as education savings, early retirement, elder care, and life transitions like serious illness or death. Securities and advisory services are delivered through Commonwealth Financial Network, with RNL operating as a division of BerkshireBanc Investment Services.

Product overview

RNL & Associates offers a single integrated suite of financial advisory services focused on holistic, personalized financial planning. The core offering is comprehensive financial planning services that encompass retirement planning, investment planning, estate strategies, insurance, and tax strategies. This is supported by client-facing tools including an Account Access portal for account management, Financial Calculators for planning calculations, and a Resource Center providing educational content. The services are delivered through partnerships with Commonwealth Financial Network for securities and advisory services, and BerkshireBanc Investment Services.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Holistic, personalized financial planning services addressing individual client circumstances and goals, including day-to-day finances, retirement planning, investment planning, estate strategies, insurance, and tax strategies. Designed for individual clients and families navigating unique life priorities such as education savings, early retirement, elder care, and life transitions.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Commonwealth Financial NetworkcoreChannel Partner/ Reseller/ DistributorSecurities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Commonwealth provides the regulatory and platform infrastructure for RNL's advisory operations.
• BerkshireBanc Investment ServicescoreStrategic or Co-development PartnerRNL & Associates is a division of BerkshireBanc Investment Services. BerkshireBanc Investment Services and Commonwealth are separate and unaffiliated entities.

Recent moves4 records

Expansion highlights4 records

Direct peers

• Cetera Financial Group: Cetera is a major independent advisor network supporting thousands of small financial advisory practices with back-office, compliance, and product infrastructure. Operates a directly analogous model to RNL's Commonwealth affiliation, serving individual clients across retirement, investment, and insurance planning.
• Advisor Group: Advisor Group is one of the largest IBD networks in the U.S., supporting thousands of independent financial advisors who deliver personalized planning to individuals. Directly comparable channel architecture to RNL's affiliation with Commonwealth.
• LPL Financial Holdings: LPL Financial is the largest U.S. independent broker-dealer, hosting thousands of small advisory practices that operate under a similar model to RNL — local offices delivering personalized financial planning through LPL's platform and compliance infrastructure. Most structurally comparable firm in the IBD channel.
• Cambridge Investment Research: Cambridge is an independent broker-dealer supporting a large network of small advisory practices that serve individual clients with holistic financial planning, retirement, and wealth management services — the same operating model RNL uses through Commonwealth.
• Kestra Financial: Kestra Financial (formerly NFP Advisor Services) is an independent broker-dealer supporting independent financial advisors and small practices with wealth, retirement, and insurance services. Closely mirrors the IBD-affiliated local practice model RNL operates under.

Broad incumbents

• Northwestern Mutual: Northwestern Mutual combines insurance and investment/advisory services through a national network of financial advisors serving individual clients with holistic planning. Comparable offering mix (insurance + financial planning for individuals) and similar consultative sales motion to RNL.
• Commonwealth Financial Network: Commonwealth is RNL's own platform partner and one of the larger privately held IBDs in the U.S., supporting a national network of independent advisors. Comparable because it defines the operating context, compliance framework, and product shelf that RNL's practice runs on.
• Edward Jones: Edward Jones runs one of the largest U.S. networks of branch-based personal financial advisors serving individuals and families with retirement and investment planning. Same local-branch, personal-advisor model as RNL but operating at national scale.
• Raymond James Financial: Raymond James operates a substantial financial advisor network offering wealth management, retirement planning, and investment advisory services to individuals. Comparable in target client and product mix to RNL, though at much larger scale through both employee and independent advisor channels.
• Ameriprise Financial: Ameriprise operates a large franchise of personal financial advisors delivering holistic retirement, investment, and insurance planning to individuals. Comparable in target market and offering breadth, but at vastly greater scale and brand recognition than RNL.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 RNL & Associates