Turning Tides Financial
Turning Tides Financial is a Western New York boutique financial advisory firm that provides wealth planning, divorce financial planning, and retirement strategies primarily to women navigating major life transitions, led by CDFA-certified founder Julianne Incardona through Silver Grove Advisory Services.
- Company typePrivate
- Founded2015
- HeadquartersAmherst, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
Turning Tides Financial firmographics
Firmographics- Name
- Turning Tides Financial
- Legal name
- Turning Tides Financial, LLC
- Website
- https://turningtidesfinancial.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Turning Tides Financial is a Western New York boutique financial advisory firm that provides wealth planning, divorce financial planning, and retirement strategies primarily to women navigating major life transitions, led by CDFA-certified founder Julianne Incardona through Silver Grove Advisory Services.
- Ownership category
- akta.pro rank
Turning Tides Financial industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where Turning Tides Financial is headquartered
LocationHeadquarters
- HQ city
- Amherst
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Turning Tides Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Planning & Asset Management Services: The firm provides personalized wealth management and financial planning services, including divorce financial strategies, retirement and investment management, and insurance solutions. Services are delivered through Julianne Incardona as a Financial Advisor and Certified Divorce Financial Analyst (CDFA). Investment advice is offered through Silver Grove Advisory Services, a registered investment advisor.
- Divorce Financial Planning: As a CDFA firm, they provide divorce-specific financial planning services including asset inventory, settlement analysis, cash flow planning, and advocacy during divorce proceedings. The firm offers workshops and consultations as part of their service delivery.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Complimentary discovery consultation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Turning Tides Financial product offering
Product offeringCore offering
Turning Tides Financial is a privately held financial advisory firm that provides personalized financial planning, investment and retirement advice, and divorce financial planning services to individuals, with a niche focus on women navigating major life transitions. Core services are delivered in person across three Western New York offices and supplemented through educational divorce workshops and a referral-driven professional network.
Product overview
Turning Tides Financial is a financial advisory firm offering a unified suite of services centered on women's financial empowerment and divorce planning. The core offerings include Women & Investing, Divorce Planning, Investment & Retirement Planning, Women in Financial Transition, and Financial Planning & Asset Management. These services are complemented by educational resources including Divorce Workshops, Worksheets & Checklists, Financial Calculators, a Blog, and the free Divorce, Dollars and Sense Guide. The firm specializes in serving women navigating life transitions, particularly divorce, with CDFA-certified expertise combined with CFP, CMPS, and CEP professional designations.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Planning & Asset Management Ongoing personalized financial planning and asset management services for individuals and families, delivered via in-person meetings at the firm's three Western New York offices. Suited for retail clients seeking long-term investment, retirement, and wealth management guidance through a fee-based advisory relationship.
- Divorce Financial Planning Specialized divorce financial planning service for individuals navigating divorce, including asset division analysis, income planning, and post-divorce financial strategy, led by a CDFA-certified founder. Designed for clients referred through attorneys, mediators, and accountants in the Western New York region.
- Investment & Retirement Planning Investment and retirement planning services for individuals, executed through the LPL Financial platform with advice delivered via Silver Grove Advisory Services. Targeted at clients seeking structured retirement, investment, and long-term wealth strategies.
- Women & Investing Advisory service focused on women's investment needs across life stages, complementing the firm's broader divorce and life-transition offerings. Targeted at female clients seeking tailored investment guidance in Western New York.
- Women in Financial Transition Advisory service for women navigating major financial life transitions such as divorce, widowhood, or career change. Provides transition-specific planning, budgeting, and investment guidance grounded in the founder's CDFA expertise.
- Divorce Workshops Educational workshop series hosted in Western New York covering the financial dimensions of divorce for prospective clients and the broader community, serving as a top-of-funnel engagement and referral channel for the firm's paid advisory services.
Quantifiable outcome
- Complimentary 60-minute personal consultation offered to discuss divorce strategies and review financial situation
Companies that use Turning Tides Financial
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Turning Tides Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Turning Tides Financial partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Silver Grove Advisory ServicescoreSilver Grove Advisory Services is a registered investment advisor through which Turning Tides Financial offers investment advice. Investment advice offered through Silver Grove Advisory Services, and Turning Tides Financial are separate entities. This is a core partnership for delivering investment management services to clients.
- Trusted Professional NetworkcoreExtensive network of vetted professional contacts who serve clients during and after divorce. Includes: Realtors, Divorce Attorneys, Qualified Domestic Relations Order (QDRO) Specialists, Mediators, Estate Planning Attorneys, Accountants, Insurance Agents, Support Groups, and Mortgage Brokers. These professionals are carefully vetted by Turning Tides Financial and recommended to clients based on their needs.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Turning Tides Financial competitors and assessment
Company assessmentDirect peers
- Ellevest: Ellevest is a women-focused financial services and investing platform offering financial planning and investment management explicitly built around women's careers, pay gaps, and longer lifespans — directly overlapping Turning Tides' women-centric advisory thesis.
- Creative Planning: Creative Planning is a large national RIA providing holistic financial planning, retirement, tax, and estate services to individuals and families, overlapping with Turning Tides' financial planning and retirement-income offerings.
- Facet Wealth: Facet Wealth is a digital-first financial advisory firm delivering flat-fee financial planning and investment advice virtually nationwide, competing for the same digitally-engaged clients seeking holistic wealth guidance rather than traditional broker products.
- Zoe Financial: Zoe Financial is a marketplace that matches consumers with vetted, fee-only financial advisors, directly overlapping Turning Tides' persona-driven, planning-led advisory model and competing for the same high-intent life-transition clients.
- Carson Wealth: Carson Group/Carson Wealth is an independent RIA platform supporting hundreds of advisors with planning-led wealth management, making it a comparable multi-advisor RIA competing for retirement, divorce, and life-transition advisory clients.
- Mariner Wealth Advisors: Mariner Wealth Advisors is a large independent RIA offering comprehensive financial planning, investment management, and specialty practices (including divorce and family transition advisory), serving as a scale comparable to Turning Tides' planning-led model.
Broad incumbents
- Edelman Financial Engines: Edelman Financial Engines is one of the largest US RIAs, combining workplace-plan participants with comprehensive wealth advisory — a broad incumbent that competes for the same retirement and life-transition planning wallet.
- Empower (formerly Personal Capital): Empower is a large wealth-management and retirement platform combining Personal Capital's digital advisory tools with traditional RIA services, serving as a broad incumbent competing for retirement and holistic planning clients.
Emerging players
- HerMoney: HerMoney is a women-focused financial media and education brand (founded by Jean Chatzky) covering money, career, and retirement topics — an emerging player in the same women-and-money content ecosystem Turning Tides serves.
Others
- LPL Financial: LPL Financial is the independent broker-dealer/RIA custodian through which Turning Tides accesses investment platforms, account servicing, and compliance infrastructure; not a direct competitor but a key infrastructure counterpart.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Turning Tides Financial social profiles
Digital presenceTurning Tides Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Turning Tides Financial leadership team
Management profileNumber of profiles
Profiles3 records
Turning Tides Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Turning Tides 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 Turning Tides Financial
What does Turning Tides Financial do?
Turning Tides Financial is a privately held financial advisory firm that provides personalized financial planning, investment and retirement advice, and divorce financial planning services to individuals, with a niche focus on women navigating major life transitions. Core services are delivered in person across three Western New York offices and supplemented through educational divorce workshops and a referral-driven professional network.
Is Turning Tides Financial a public or private company?
Turning Tides Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Turning Tides Financial founded?
Turning Tides Financial was founded in 2015. It employs 1 to 10 people.
Where is Turning Tides Financial based?
Turning Tides Financial is headquartered in Amherst, United States, in the North America region.
How does Turning Tides Financial make money?
Two revenue lines are on record. Financial Planning & Asset Management Services are the primary driver. The others are divorce Financial Planning.
Who are Turning Tides Financial's main competitors?
Direct peers on record are Ellevest, Creative Planning, Facet Wealth, Zoe Financial, Carson Wealth and Mariner Wealth Advisors. Broad incumbents are Edelman Financial Engines and Empower (formerly Personal Capital). HerMoney is listed as an emerging player. LPL Financial is listed as an others.
Does Turning Tides Financial have an API?
No public API is recorded for Turning Tides Financial.
What industry is Turning Tides Financial in?
Turning Tides Financial's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.