Rizzo Financial Group

What Rizzo Financial Group does

Rizzo Financial Group is a privately-held, fiduciary wealth management and financial planning firm headquartered in Scottsdale, Arizona, operating since 1997. The firm serves individuals and families — primarily pre-retirees and retirees, with a secondary wealth-builder segment — through a comprehensive set of services including financial planning, retirement planning, asset management, wealth planning, tax management, and legacy/estate planning coordination. Its service delivery is anchored in a proprietary, trademarked methodology called Advanced Time Segmentation (ATS), a time-segmented retirement income strategy that addresses Sequence of Return Risk by allocating assets across five categories: Fixed Income, Future Income, Long Term Growth, Lifetime Income, and Income/Growth. The broader service framework is organized around 13 Wealth Management Principles covering financial planning, investment management, asset allocation, retirement, tax, estate, risk, insurance, education, charitable giving, business succession, and wealth preservation.

The firm's technology stack is composed primarily of vendor-provided client portals — NetX Investor, AdviceWorks (also available as a mobile app for iOS and Android), Albridge, and Howard Capital Management (via Pershing) — plus a marketing automation tool (MarketingCentral). There is no proprietary technology platform, no public or partner-facing API, and no documented AI/ML capabilities. Operationally, the firm is a Registered Representative and Investment Adviser Representative affiliated with Cetera Advisors LLC, which provides broker-dealer infrastructure, compliance support, and product access; a supporting partnership with Cetera Investment Management LLC supplies market perspectives, model portfolios, and performance monitoring.

Revenue is generated through two streams under the Cetera relationship: recurring investment advisory fees (typically AUM-based) for wealth management and financial planning services, and transaction-based brokerage commissions on securities and insurance products. Pricing is not publicly disclosed; the firm offers a complimentary initial strategy consultation as its lead-conversion mechanism and conducts semi-annual client reviews. Lead generation is content-driven, supported by a Resource Center of educational articles, calculators, videos, and a free retirement guide ebook. The firm has a single physical location in Scottsdale, serves clients primarily in the Phoenix metropolitan area, and operates with 11–50 employees under founder/President Paul J. Rizzo.

Name

Rizzo Financial Group

Legal name

Rizzo Financial Group

Website

https://rizzofinancial.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Rizzo Financial Group is a private, fiduciary wealth management firm in Scottsdale, Arizona, serving pre-retirees, retirees, and wealth builders with financial planning, retirement income, asset management, tax, and estate coordination services delivered via its proprietary Advanced Time Segmentation (ATS) methodology under the Cetera Advisors LLC broker-dealer umbrella.

Ownership category

akta.pro rank

Product category

Wealth Management & Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Financial Planning–Led RIAs (FSAAACAB), Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

Keywords

• Wealth management services
• Retirement income planning
• Financial advisory services
• Asset management consulting
• Estate planning coordination

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Fees for investment advisory and wealth management services provided through Cetera Advisors LLC, a registered investment adviser and broker-dealer. Services include financial planning, asset management, retirement planning, tax management, and estate coordination.
2. Brokerage Commissions: Transaction-based compensation (commissions) through Registered Representatives of Cetera Advisors LLC for brokerage services on securities and insurance products.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Rizzo Financial Group is a fiduciary boutique wealth management firm that delivers personalized financial planning, retirement income planning, asset management, wealth accumulation planning, tax management, and legacy/estate planning services to individuals and families. Services are led by President Paul J. Rizzo using the firm's proprietary Advanced Time Segmentation (ATS)® methodology, with all securities and advisory services executed through Registered Representatives and Investment Adviser Representatives of Cetera Advisors LLC.

Product overview

Rizzo Financial Group offers a comprehensive, integrated wealth management and financial planning service delivered through a single unified advisory relationship. The core offering centers on their proprietary Advanced Time Segmentation (ATS) methodology—a segmented bucket strategy for retirement income that addresses Sequence of Return Risk—supplemented by the 13 Wealth Management Principles framework. Services include Financial Planning, Retirement Planning, Asset Management, Wealth Planning (accumulation phase), Tax Management, and Legacy/Estate Planning coordination. All services are delivered personally by their team of advisors, with technology support through client portals (NetX Investor, AdviceWorks, Albridge, Howard Capital Management) and a mobile app (AdviceWorks for iOS/Android). The firm operates as a fiduciary and is affiliated with Cetera Advisors LLC for brokerage and advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• Advanced Time Segmentation (ATS): A proprietary time-segmented retirement income strategy that matches unique retirement income needs with time-segmented investments, addressing sequence of return risk.

Products and services

• Financial Planning Comprehensive financial planning service using the CFP Board's 7-step financial planning process, covering retirement planning, income planning, estate planning, tax management, risk management, investment management, and education funding guidance for individuals and families.
• Retirement Planning Retirement income planning addressing income planning, Social Security planning, retirement projections, employee benefits, charitable gifting, investment withdrawal strategies, and estate planning using the firm's proprietary time-segmented bucket approach for pre-retirees and retirees.
• Asset Management Investment management services including diversification and asset allocation, risk analysis, portfolio optimization, concentrated stock analysis, alternative investments, and employee stock options for advisory clients.
• Wealth Planning Wealth accumulation planning for younger clients in the accumulation phase, including net worth tracking, budgeting, education planning, insurance analysis, cash and debt management, and risk tolerance assessment.
• Tax Management Tax-efficient investment strategies including taxable, tax-deferred, and tax-exempt investment analysis, taxable gain/loss harvesting, and Backdoor Roth conversions to reduce client income tax burden.
• Legacy Planning / Estate Planning Estate planning coordination with estate-planning attorneys to ensure efficient transfer of assets to beneficiaries, minimize family disputes and legal complications, and potentially leverage life insurance for income-tax-free income.

Segments2 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

Feature1 record

Partnerships

Five partnerships are on record, tiered core, supporting and minor.

• Cetera Advisors LLCcoreChannel Partner/ Reseller/ DistributorCetera Advisors LLC provides Rizzo Financial Group with securities and advisory services, broker-dealer infrastructure, compliance support, and access to a wide variety of financial products and investment vehicles. Rizzo Financial Group operates as Registered Representatives and Investment Adviser Representatives of Cetera Advisors LLC.
• Cetera Investment Management LLCsupportingTechnology or IntegrationProvides investment expertise including in-depth market perspectives, timely economic insights, asset allocation guidance, money manager recommendations, model portfolios, and performance monitoring tools to support advisor decision-making.
• Wilde Wealth Management GroupsupportingStrategic or Co-development PartnerStrategic partnership providing access to a network of experienced advisors and industry-leading resources. Built on shared commitment to putting clients first, helping clients navigate every stage of their financial journey.
• Valley GuardiansminorOthersNonprofit charitable organization helping underprivileged children in the valley. Rizzo Financial Group has been a supporter for several years. Valley Guardians works with The Challenge Foundation, Genesis Academy, Leadership Society of Arizona, Phoenix Children's Hospital, and Santo Nino Mission community.
• Caring Cetera Giving CampaignminorOthersCharitable giving program through Cetera where advisors, branch support, and team members collaborate to respond to tragedies and catastrophes in communities. Funded by adviser fundraising, employee contributions, and vendor support. Rizzo Financial Group has been a supporter for several years.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Carson Group: Fast-growing RIA platform and coaching community that acquires and partners with boutique advisory firms; offers a comparable full-service wealth management model and represents both a potential acquirer and competitor to Rizzo.
• Mercer Advisors: National RIA focused on retirement income planning, tax, and estate services for households approaching or in retirement — closely aligned with Rizzo's proprietary retirement income (ATS) approach but operating across multiple U.S. offices.

Broad incumbents

• Ameriprise Financial: Large diversified financial services firm with an extensive advisor channel offering retirement, investment, and planning services to retail households — overlapping strongly with Rizzo's value proposition but with institutional scale and brand recognition.
• Mariner Wealth Advisors: National RIA offering comprehensive wealth planning including retirement income strategies; a much larger scaled competitor pursuing many of the same high-net-worth and retiree segments as Rizzo.
• Cambridge Investment Research: Independent broker-dealer and RIA platform supporting thousands of affiliated advisors; comparable to Cetera in model and competes for the same advisor affiliation decisions Rizzo-style boutique firms make.
• Edelman Financial Engines: National RIA serving mass-affluent and retirement-focused households with goals-based planning and managed portfolios — directly overlapping Rizzo's target demographic but operating at vastly greater scale.
• Northwestern Mutual: National hybrid advisor network providing retirement planning, insurance, and investment management to individuals and families; overlaps with Rizzo's comprehensive planning approach but with much larger scale and an insurance-led distribution model.
• Cetera Advisors LLC: National independent broker-dealer and RIA platform hosting thousands of affiliated advisors; Rizzo operates as a Registered Representative of Cetera, making it both partner and platform competitor in the same space.
• Creative Planning: One of the largest independent RIAs in the U.S., providing fiduciary financial planning, retirement, and tax services — directly competing for the same retiree and pre-retiree segment with significantly greater scale and product breadth.

Direct peers

• Wilde Wealth Management Group: A Scottsdale-based, mid-size RIA offering comprehensive financial planning, retirement, and wealth management services — directly comparable in model, geography, and target clientele to Rizzo Financial Group, and already a strategic partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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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 Rizzo Financial Group