Gratton & Kerr Financial Group

What Gratton & Kerr Financial Group does

Gratton & Kerr Financial Group is a privately held financial advisory firm founded in 2011 and headquartered at 547 Beaver Street Ext., Mars, Pennsylvania, serving individuals and families approaching or entering retirement, primarily in the Pittsburgh metropolitan area. The firm delivers an integrated suite of retirement planning services organized around six pillars: retirement income planning, tax planning, healthcare and Medicare planning, investment guidance, protection planning, and estate guidance. Target clients are households with roughly $500,000 to $10 million in accumulated retirement assets who need coordinated guidance on converting savings into reliable income, managing tax exposure, navigating Medicare and healthcare coverage decisions, and aligning investments with retirement timelines. The 2026 InvestmentNews Top Female Advisors ($100M Club) recognition signals the firm has reached an AUM scale and growth profile sufficient to qualify for that ranking.

Name

Gratton & Kerr Financial Group

Legal name

Gratton & Kerr Financial Group

Website

https://grattonkerrfinancialgroup.com

Company type

Private

Founded year

2011

Operating status

Operating

Short description

Gratton & Kerr Financial Group is a privately held retirement advisory firm founded in 2011 in Mars, Pennsylvania. Its five-person team delivers integrated retirement income, tax, healthcare, Medicare, investment, and estate planning for families with $500,000 to $10 million in assets.

Ownership category

akta.pro rank

Product category

Retirement Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

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

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement income planning
• Wealth management services
• Financial advisory services
• Medicare planning
• Investment guidance

Headquarters

HQ city

Beaver Falls

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

Revenue model

1. Wealth Management Services: Comprehensive financial planning and investment management services offered through Registered Representatives of MML Investors Services, LLC. Revenue derived from advisory fees and/or commissions on financial products, as disclosed in the firm's regulatory disclosures. Services include retirement income planning, tax planning, healthcare planning, investment guidance, protection planning, and estate guidance coordination.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Gratton & Kerr Financial Group provides coordinated retirement and wealth management advisory services to families approaching or in retirement, typically those with $500,000 to $10 million in retirement assets. The offering integrates six planning areas—retirement income planning, tax planning, healthcare and Medicare planning, investment guidance, protection planning, and estate guidance—into one coherent plan, delivered through ongoing long-term advisory relationships. Securities and investment advisory services are offered through Registered Representatives of MML Investors Services, LLC.

Product overview

Gratton & Kerr Financial Group offers a unified wealth management service structured around six integrated planning areas: Retirement Income Planning, Tax Planning, Healthcare & Medicare Planning, Investment Guidance, Protection Planning, and Estate Guidance. Rather than separate products, these are coordinated components of a single comprehensive retirement strategy where each element affects the others. The firm serves families approaching or in retirement with $500,000 to $10 million in assets, providing ongoing guidance through a collaborative team approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Income Planning Coordinated retirement income planning service that helps families transform accumulated savings into reliable income streams, showing multiple scenarios and tradeoffs to inform decisions about retirement withdrawals. Targeted at pre-retirees and retirees with $500,000 or more in retirement assets.
• Tax Planning Tax-efficient withdrawal strategy service that helps clients time and structure distributions to minimize long-term tax exposure throughout retirement. Aimed at retirees seeking to manage tax impact of withdrawals and pursue strategies such as Roth conversions.
• Healthcare & Medicare Planning Healthcare and Medicare planning service that addresses pre-65 health insurance coverage gaps and provides guidance on Medicare plan selection, supplements, and integration with the broader retirement financial plan. Targeted at pre-retirees (especially those considering retirement before 65) and retirees.
• Investment Guidance Portfolio alignment service that structures investment accounts based on retirement timelines, income needs, and risk tolerance to support retirement plan objectives. For pre-retirees and retirees with $500,000 to $10 million in assets.
• Protection Planning Risk mitigation planning service covering coverage gaps, survivor income needs, and special-needs financial arrangements for family members with specific care requirements. For retirees and pre-retirees seeking to address rarely-discussed financial scenarios.
• Estate Guidance Estate planning coordination service that helps clients review existing documents, identify gaps, and build plans to transfer assets to intended beneficiaries with minimal friction and cost. Aimed at retirees and pre-retirees coordinating wealth transfer.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• MML Investors Services, LLCcoreChannel Partner/ Reseller/ DistributorSecurities, investment advisory and financial planning services are offered through qualified Registered Representatives of MML Investors Services, LLC, a broker-dealer and SEC-registered investment adviser. The firm is a member of SIPC. Gratton & Kerr Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. Supervisory Office: Six PPG Place, Suite 600, Pittsburgh PA 15222.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Facet Wealth: Digital-first financial planning firm providing flat-fee retirement, tax, and estate planning for mass-affluent households — competes for the same $500K+ retiree persona through a remote-delivery model.
• Harness Wealth: Tech-enabled platform connecting clients to vetted financial advisors for retirement, tax, and estate planning — overlaps in persona and service mix while using a digital matching model.
• Modern Wealth Management: Wealth management firm building a national brand around comprehensive financial planning for households with $500K–$5M — comparable target segment and integrated retirement focus.

Broad incumbents

• Edelman Financial Engines: Large national RIA providing retirement planning, investment management, and planning services to households and employer plans — overlapping capability set but at vastly greater scale and broader geographic reach.
• Creative Planning: National wealth management firm offering retirement, tax, estate, and investment planning to high-net-worth households — same service categories as Gratton & Kerr but operates at multibillion-AUM scale.

Direct peers

• Carson Group: Network of independent retirement- and wealth-focused advisory firms serving individuals and families with comprehensive financial planning, organized under a broker-dealer/RIA platform — comparable in service model and target client persona to Gratton & Kerr.
• Ritholtz Wealth Management: Flat-fee RIA offering comprehensive financial planning and retirement-focused advice to households with $500K+ in investable assets — closely aligned with Gratton & Kerr's minimum-asset threshold and integrated planning approach.
• Buckingham Strategic Wealth: Wealth management firm specializing in evidence-based retirement income planning, tax-efficient withdrawal strategies, and estate planning for households — directly comparable in service mix and client segment to Gratton & Kerr.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/BryanGratton
• Facebookfacebook.com/bryan.gratton

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 Gratton & Kerr Financial Group