Turning Tides Financial

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

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

• Financial advisory services
• Divorce financial planning
• Women financial transitions
• Investment retirement planning
• Wealth management advisory

Headquarters

HQ city

Amherst

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core 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

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Two partnerships are on record, tiered core.

• Silver Grove Advisory ServicescoreStrategic or Co-development PartnerSilver 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 NetworkcoreStrategic or Co-development PartnerExtensive 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

Direct 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

• Facebookfacebook.com/turningtidesfinancial
• LinkedInlinkedin.com/company/turning-tides-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Turning Tides Financial