Liquid Capital

What Liquid Capital does

Liquid Capital, Inc. is a privately held, single-office wealth management firm founded in 1989 by Sean Brown and headquartered in Norwell, Massachusetts. The firm delivers white-glove, holistic financial planning and tailored investment management to affluent families, entrepreneurs, and healthcare professionals across the United States, with service coverage limited to states where its advisors are properly registered. The product suite comprises five core advisory offerings — Holistic Life Planning, Tailored Investment Management, Tax Management, Retirement Planning, and Estate Planning — supported by Commonwealth Financial Network's Investor360° client portal, financial calculators, an articles library, video content, and quarterly market updates produced in partnership with FMG Suite.

Liquid Capital does not own proprietary trading, custody, or compliance infrastructure. It relies on Commonwealth Financial Network (a dually registered RIA and broker/dealer overseeing $344 billion in total account assets as of December 31, 2024) for broker/dealer execution, custody, supervision, and the Investor360° technology stack, and indirectly on National Financial Services LLC (Fidelity) for clearing and settlement. This outsourced operating model lets a five-person team (Managing Partner, Financial Advisor, Office Manager, Director of Operations, Client Relationship Manager) deliver an institutional-grade service offering without bearing the fixed cost of compliance and back-office systems.

Revenue is generated through fee-based investment advisory services (subscription/recurring) and broker/dealer transaction fees executed through Commonwealth's platform. Pricing is not publicly disclosed; advisory fees and transaction costs are determined through individualized consultation based on client assets, complexity, and service requirements, with an annual billing cadence. The firm generates leads through content marketing, SEO, and referral-based relationship development rather than paid advertising or third-party distribution.

Name

Liquid Capital

Legal name

Liquid Capital, Inc.

Website

https://liquidcapitalinc.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Liquid Capital is a privately held wealth management firm in Norwell, MA, providing white-glove holistic financial planning, investment management, tax, retirement, and estate services to affluent families, entrepreneurs, and healthcare professionals through Commonwealth Financial Network.

Ownership category

akta.pro rank

Headquarters

HQ city

Norwell

HQ country

United States

HQ region

North America

Offices1 record

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-based investment advisory services providing personalized portfolio management and financial planning. Services include holistic life planning, tailored investment management, tax management, retirement planning, and estate planning coordinated with external professionals.
2. Broker/Dealer Transaction Services: Investment transaction execution and processing through Commonwealth Financial Network's registered broker/dealer platform, supporting the purchase and sale of securities including stocks, bonds, mutual funds, ETFs, and alternative investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Liquid Capital, Inc. provides tailored wealth management and financial planning services to affluent families, entrepreneurs, and healthcare professionals. Core offerings encompass holistic life planning, customized investment management across global asset classes, tax planning and minimization, retirement accumulation and distribution strategy, and estate planning coordination with external legal and accounting professionals. Services are delivered as advisory relationships backed by Commonwealth Financial Network as the registered broker/dealer and National Financial Services LLC (Fidelity) for custody and clearing.

Product overview

Liquid Capital, Inc. is a wealth management firm offering a suite of advisory services centered on holistic financial planning. The core offering consists of Holistic Life Planning as the umbrella service, supported by Tailored Investment Management, Tax Management, Retirement Planning, and Estate Planning modules. Client access is provided through the Investor360° portal, complemented by financial calculators and educational content including market updates and articles. All services are delivered through partnership with Commonwealth Financial Network as the registered broker/dealer and processing infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Holistic Life Planning Comprehensive financial planning service that examines clients' total balance sheet including liquid and illiquid assets, coordinated with estate attorneys, accountants, and insurance providers to build a customized long-term financial plan. Sold to affluent families, entrepreneurs, and healthcare professionals.
• Tailored Investment Management Customized investment solutions using models tailored to each client's needs, implementing global portfolios of equities, fixed income, cash, and alternative investments with a long-term focus, cost reduction, and tax-efficient returns. Sold to HNW individuals, entrepreneurs, and healthcare professionals.
• Tax Management Tax planning and minimization services covering income tax liability reduction through income deferral, deduction planning, investment tax planning, year-end strategies, and business entity tax considerations. Sold to HNW individuals and business owners.
• Retirement Planning Retirement accumulation and distribution strategy services covering qualified employer-sponsored plans, IRAs, personal savings, executive deferral plans, and distribution planning designed to ensure retirement savings longevity. Sold to HNW families, entrepreneurs, and healthcare professionals.
• Estate Planning Estate management services covering wealth transfer, transfer tax minimization, asset protection, and charitable giving, coordinated with overall business, investment, insurance, and employee benefit strategies. Sold to HNW families, entrepreneurs, and healthcare professionals.
• Broker/Dealer Transaction Services Investment transaction execution and processing services for the purchase and sale of securities (stocks, bonds, mutual funds, ETFs, alternative investments), delivered through Commonwealth Financial Network's registered broker/dealer platform and cleared/custodied via National Financial Services LLC (Fidelity).

Quantifiable outcome

• Top 32% of Commonwealth Financial Network advisors by annual production

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered flagship, core and minor.

• Commonwealth Financial NetworkflagshipStrategic or Co-development Partner · 1 January 1979Commonwealth is a dually registered Investment Adviser and broker/dealer that provides institutional infrastructure including market research, technology platform (Investor360°), transaction processing, custody services, and regulatory supervision. As of December 31, 2024, Commonwealth oversees $344 billion in total account assets and supports over 2,000 affiliated financial professionals.
• National Financial Services LLC (Fidelity Investments)coreTechnology or IntegrationNFS provides clearing, custody, and brokerage services to Commonwealth including account servicing, statement generation, check writing, and tax reporting. NFS is a leading clearing firm subject to SEC, NYSE, and FINRA oversight with additional excess SIPC coverage up to $1 billion.
• FMG SuiteminorOthersFMG Suite develops and produces content for the firm's website and resource center, providing educational materials on financial topics including retirement, investment, tax, estate, and personal finance planning.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Creative Planning: Large independent RIA providing comprehensive wealth management, tax, and estate services to HNW individuals. Comparable as a fee-based advisor serving entrepreneurs and affluent families with a coordinated planning approach.
• Bessemer Trust: Private wealth and investment management firm serving ultra-high-net-worth families with holistic planning across generations. Comparable in target client (affluent/legacy families) and service model (coordinated tax, estate, investment, philanthropy planning).
• Hightower Advisors: National RIA consolidator that partners with and acquires high-performing independent advisor practices. Directly comparable in business model (white-glove advisory, broker/dealer-affiliated infrastructure) and in trajectory (founder-led firms seeking affiliation/scale).
• Fisher Investments: Private investment management firm serving high-net-worth individuals and families with discretionary portfolio management and holistic financial planning. Comparable as a founder-led private wealth manager serving affluent families.
• Sanctuary Wealth: Partnership and acquisition platform for independent wealth management firms, providing technology, compliance, and operations support. Comparable as a similar-sized independent advisory firm leveraging shared infrastructure to serve HNW clients.
• Kestra Financial: Independent broker/dealer and RIA platform supporting affiliated financial advisors with technology, compliance, and operations. Comparable as a smaller-platform alternative to Commonwealth for independent wealth advisory practices.

Broad incumbents

• Edward Jones: Large national advisor network focused on serving individual investors and families with personalized financial planning. Comparable in relationship-based, local-office advisory model targeting mass-affluent and HNW households.
• Raymond James Financial Services: Diversified financial services firm with a large advisor-affiliate network offering wealth management, retirement planning, and estate services. Comparable in advisor-affiliation model and target affluent-client base.
• LPL Financial: Largest independent broker/dealer-RIA platform supporting thousands of affiliated advisors with custody, technology, and compliance infrastructure. Comparable as the institutional counterpart to Liquid Capital's Commonwealth affiliation.
• Commonwealth Financial Network: The dually registered broker/dealer-RIA platform on which Liquid Capital depends for compliance, custody, technology, and transaction processing. Comparable as the institutional infrastructure backbone serving 2,000+ affiliated advisors across the country.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/liquid-capital-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Liquid Capital