Olive Tree Wealth

What Olive Tree Wealth does

Olive Tree Wealth is a private, founder-led wealth management and financial planning practice established in 2008 by Alexandre Oliveira and headquartered at 40 Crescent Street, Waltham, Massachusetts, with additional offices in Somerville and Fairhaven. The firm operates as a brand under Northeast Planning Associates, Inc. (NPA), a registered investment adviser (RIA), with securities and advisory services delivered through LPL Financial, an RIA and broker-dealer and FINRA/SIPC member; LPL also supplies the brokerage and product access that underpins the practice's investment and insurance offerings.

The product surface is a single integrated wealth management offering rather than a modular platform. Core services span comprehensive financial planning (asset allocation, cash flow analysis, income tax planning, insurance needs analysis, estate analysis, and business succession planning), qualified account administration (Traditional/Roth/SIMPLE/SEP IRAs, 401(k), 403(b), profit sharing, defined benefit), managed advisory accounts (mutual fund wrap, separately managed accounts, active and passive strategies), and access to investment and insurance products (mutual funds, variable annuities, stocks, bonds, REITs, UITs, DPPs, life and disability insurance). Client engagement is supported by a "Your Financial Profile" fact-finder questionnaire, an online financial calculator suite, and a content-rich resource center across seven themes. The technology stack is entirely third-party — eMoney (wealth.emaplan.com) for portfolio and planning, AccountView (myaccountviewonline.com) for client account access, Zoom for virtual meetings, and Wufoo for service requests — with no proprietary technology disclosed.

The firm makes money primarily through fee-based comprehensive financial planning delivered by a small credentialed team (Oliveira is CFP-certified with 15+ years of experience; Gary Sullivan holds CFP and CPA; Andrew Doughty holds CFP and CIMA), supplemented by commissions and advisory fees on investment and insurance product placements through LPL. Distribution is advisor-direct and relationship-led: clients are acquired mainly through referrals from existing clients and professional acquaintances, an active blog and resource center drive top-of-funnel awareness, channel partnerships with Naveo Credit Union and Alltrust Credit Union provide access to credit union members, and the NPA network of over 20 New England offices extends reach. The client base is a distributed mix of high net worth individuals, families, and corporations/business owners across New England and nationwide.

Name

Olive Tree Wealth

Legal name

Northeast Planning Associates, Inc.

Website

https://olivetreewealth.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Olive Tree Wealth is a private, founder-led wealth management practice in Waltham, Massachusetts that provides fee-based comprehensive financial planning, retirement, tax, estate, and investment advisory services to high net worth individuals, families, and corporations, operating under Northeast Planning Associates and LPL Financial.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

Keywords

• Wealth management services
• Financial planning advisory
• Retirement planning services
• Investment advisory accounts
• Estate planning services

Headquarters

HQ city

Waltham

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

Revenue model

1. Fee-Based Financial Planning: Alex provides comprehensive financial planning on a fee basis. The firm offers financial planning and investment services, and access to a wide array of investment and insurance products through its partnerships with LPL Financial and NPA.
2. Investment and Insurance Products: Access to a wide array of investment and insurance products including mutual funds, variable annuities, stocks, bonds, REITs, UITs, Direct Participation Programs, IRAs, Roth IRAs, SIMPLE IRAs, SEPs, 401(k)s, 403(b)s, various life insurance products, and fixed/variable annuities.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Olive Tree Wealth is an independent wealth management and financial planning firm that delivers comprehensive financial planning, investment advisory, retirement, insurance, estate, and education savings services to high-net-worth individuals, families, and corporations. The firm combines personalized planning with access to a broad product shelf through its brokerage relationship and serves clients via in-person and virtual advisory engagements.

Product overview

Olive Tree Wealth is a comprehensive wealth management firm that operates as a single integrated service offering rather than a platform-plus-modules architecture. The core offering consists of Financial Planning Services, which encompasses asset allocation, cash flow analysis, tax planning, insurance analysis, and estate planning. This is complemented by Qualified Accounts Management (IRAs, 401(k)s, SEPs, etc.), Advisory Accounts (wrap accounts and separately managed accounts), and a full range of Investment Programs (mutual funds, annuities, stocks, bonds, REITs). The firm also provides Insurance Programs and Educational Accounts (529 Plans, UGMAs/UTMAs). Client engagement is supported through a confidential fact finder tool called 'Your Financial Profile' and a suite of Financial Calculators. The firm serves high net worth individuals and corporations, providing customized solutions based on the principles of Clear Communication, Objectivity, and Integrity.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Comprehensive financial planning engagement that assesses client goals across investments, retirement, taxes, insurance, and estate to produce a coordinated plan; intended for high-net-worth individuals, families, and corporations.
• Investment Advisory Accounts Managed investment advisory accounts offered on the firm's custodial platform for HNW individuals and families seeking ongoing portfolio management.
• Qualified Accounts (IRA, 401(k)) Management of qualified retirement accounts such as IRAs and 401(k)s, integrated with the firm's broader retirement planning service for individuals approaching or in retirement.
• Non-Qualified Accounts Non-qualified taxable investment accounts managed alongside qualified accounts to support coordinated wealth accumulation and distribution strategies.
• Insurance Programs Insurance solutions sourced and placed for clients to address life, disability, and long-term care risk within an overall wealth management plan.
• Educational Accounts (529 and similar) Education savings accounts (including 529 plans) established and managed to fund education goals for clients and their families.
• Wealth Management Service Holistic, ongoing wealth management service bundling financial planning, investment management, retirement, insurance, estate, and education services for HNW individuals, families, and corporations.
• Business Succession Planning Planning service for corporations and business owners addressing ownership transition, continuity, and integration of corporate and personal balance sheets.
• Estate Planning Services Estate planning coordination for HNW individuals and families, integrating wills, beneficiary structures, and legacy transfer with the broader wealth plan.

Quantifiable outcome

• In 2021, only 12% of candidates in the Greater Boston area were designated Five Star Wealth Managers

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Four partnerships are on record, tiered core.

• Naveo Credit UnioncoreChannel Partner/ Reseller/ Distributor · 1 January 2008Strategic partnership with Naveo Credit Union, a Massachusetts-based financial institution. Through this partnership, Alex provides guidance and investment services to the credit union and its members.
• Alltrust Credit UnioncoreChannel Partner/ Reseller/ Distributor · 1 January 2008Strategic partnership with Alltrust Credit Union, a Massachusetts-based financial institution. Through this partnership, Alex provides guidance and investment services to the credit union and its members.
• Northeast Planning Associates, Inc. (NPA)coreImplementation/ SI/ Consulting PartnerFinancial planning offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser (RIA). NPA provides access to a full range of financial services and products with over 20 offices located in New England. Olive Tree Wealth operates as part of the NPA network.
• LPL FinancialcoreTechnology or IntegrationSecurities and advisory services offered through LPL Financial, an RIA and broker-dealer, member FINRA/SIPC. LPL Financial provides the brokerage platform and research capabilities that support Olive Tree Wealth's investment recommendations. LPL's heritage of independence enables objective advice focused solely on client goals.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Edelman Financial Engines: Large independent financial planning and investment management firm serving HNW and mass-affluent households nationally. Comparable to Olive Tree Wealth's fee-based comprehensive planning model, but with proprietary planning technology and a much larger advisor network.
• Cetera Financial Group: Independent broker-dealer and RIA platform hosting thousands of affiliated advisors offering comprehensive financial planning and investment services. A close parallel to LPL Financial's role supporting Olive Tree Wealth.
• Mariner Wealth Advisors: National wealth advisory firm delivering comprehensive financial planning, investment, tax, and estate services to HNW clients. Directly comparable in its full-service advisory model, though it operates across many states and advisor offices rather than a single regional hub.
• Creative Planning: Large, nationally recognized fee-only wealth management firm offering comprehensive financial planning, investment management, and tax services to HNW households. Comparable to Olive Tree Wealth in its holistic planning approach, though at vastly greater scale and a multi-state footprint.
• Hightower Advisors: National wealth management platform partnering with breakaway advisors and RIAs. Comparable to Olive Tree Wealth in serving HNW clients with comprehensive planning, but operating a partnership model across hundreds of advisory teams nationally.
• Commonwealth Financial Network: Independent broker-dealer and RIA platform supporting thousands of financial advisors across the U.S. Olive Tree Wealth's advisor operates under LPL Financial; Commonwealth is a comparable independent BD/RIA platform serving similarly structured practices.
• Focus Financial Partners: Wealth management platform that partners with breakaway advisors and RIAs to provide scale, technology, and capital. While larger and more institutional, Focus is a structural peer to LPL/NPA in enabling small advisor practices like Olive Tree Wealth to scale.
• Cambridge Investment Research: Independent broker-dealer supporting thousands of financial advisors with practice management resources and product access. Operates a similar affiliation model to LPL Financial, where Olive Tree Wealth is registered.

Direct peers

• Private Advisor Group: Independent RIA and broker-dealer platform supporting hundreds of financial advisors serving HNW households with comprehensive planning. A close operational analogue to Olive Tree Wealth's LPL/NPA-affiliated small advisory practice model.

Emerging players

• Wealth Enhancement Group: Fast-growing independent wealth management firm delivering financial planning and investment services to HNW households through acquired advisor practices. Comparable in holistic planning and advisor-affiliation model, though at a larger and more acquisitive scale than Olive Tree Wealth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/olive-tree-wealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Olive Tree Wealth