SCH Financial Group

What SCH Financial Group does

SCH Financial Group, LLC is a privately held, independent wealth management advisory firm headquartered at 3003 Tamiami Trail N., Suite 300, Naples, Florida, serving affluent individuals and families, with specialization in retirement income planning, estate/legacy planning, and corporate retirement plan fiduciary services. The firm is led by Founder and Managing Principal Terry D. Schnare (CRPC, 30+ years of experience) and Registered Sales Assistant Eileen M. Craft (35+ years of financial industry experience), operating from a 1-10 employee base.

The firm's core offering is an integrated wealth management process that couples risk tolerance assessment, asset management, estate planning, and tax planning, supplemented by proprietary investment strategy modules including the DynamicTriggers Strategy (a systematic approach that uses progressive buy/sell triggers on diversified index-tracking investments to gradually increase bond exposure as markets rise) and a Fixed Income Specialist service. Supporting capabilities include Riskalyze-based portfolio risk analysis, partnerships with TD Ameritrade, Vanguard, and Fiduciary Benchmarks for corporate retirement plan tooling, and a content/seminar-based client acquisition engine.

SCH Financial Group generates revenue on a fee-based advisory model through two core distribution relationships: securities are offered through LPL Financial (an independent broker-dealer servicing approximately $2.3 trillion in assets), and investment advisory services are offered through Private Advisor Group (a registered investment advisor). The firm is licensed to serve clients in 11 U.S. states (CT, FL, LA, MA, MI, NH, NY, OH, TN, TX, WI) and emphasizes its fiduciary, no-proprietary-product positioning as a core differentiator. No revenue, AUM, or headcount growth data is publicly disclosed.

Name

SCH Financial Group

Legal name

SCH Financial Group, LLC

Website

https://schfg.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

SCH Financial Group is a privately held, independent wealth management advisory firm in Naples, Florida, serving affluent individuals, families, and corporate retirement plans through fiduciary advisory services. It operates via LPL Financial and Private Advisor Group, with proprietary DynamicTriggers and Fixed Income strategy modules.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEABAA

Registered Investment Advisor (RIA) Wealth Management

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAC

Private Banking & UHNW Wealth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Wealth management services
• Investment advisory
• Retirement planning
• Estate planning
• Fiduciary financial planning

Headquarters

HQ city

Naples

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Securities and Investment Advisory Services: Securities offered through LPL Financial (independent broker-dealer, member FINRA/SIPC). Investment advice offered through Private Advisor Group (registered investment advisor). The firm operates as a fee-based financial advisor providing objective retirement plan guidance without proprietary products to sell or sales quotas to meet.
2. Financial Planning Services: Comprehensive financial planning services including retirement plans, tax plans, estate plans, and college planning. Services are tailored to individual client needs through a long-term partnership approach.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

SCH Financial Group is an independent wealth management advisory firm that provides comprehensive financial planning, investment management, retirement planning, corporate retirement plan services, estate/legacy planning, and insurance services. The firm operates as a fiduciary, offering fee-based advisory services through LPL Financial (broker-dealer) and Private Advisor Group (registered investment advisor), targeting affluent individuals, families, and corporate retirement plan sponsors in Naples, Florida and surrounding regions.

Product overview

SCH Financial Group is a wealth management advisory firm that operates as a single unified service rather than a modular platform. The core offering centers on Wealth Management, which integrates risk tolerance assessment, asset management, estate planning, and tax planning. This is supported by specialized investment strategy modules including the Dynamic Triggers Strategy (a systematic buy/sell trigger approach for bond exposure management) and the Fixed Income Specialist service. The firm also delivers Retirement Planning services through two distinct channels: individual Retirement Plans and Corporate Retirement Plans (401k plan management with TD Ameritrade and Vanguard partnerships). Legacy Planning rounds out the core offerings with estate tax and wealth transfer strategies. Additional service categories include Investment Services (brokerage, IRAs, bonds, annuities), Financial Planning (tax, education, estate), and Insurance Services (life, disability, long-term care). The firm is supported by LPL Financial as its independent broker-dealer and operates on the FMG Suite web platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management

Quantifiable outcome

• Fiduciary duty to always put client interests first

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• LPL FinancialcoreChannel Partner/ Reseller/ DistributorLPL Financial is the independent broker-dealer through which SCH Financial Group offers securities. As an independent firm supported by LPL, SCH has no proprietary products to sell, no sales quotas, and can offer truly objective retirement plan guidance. LPL supports over 32,000 financial advisors and services approximately $2.3 trillion in brokerage and advisory assets.
• TD AmeritradesupportingTechnology or IntegrationTD Ameritrade is mentioned as one of the provider partnerships used to help design, implement, and manage corporate retirement plans structured to specific client needs.
• VanguardsupportingTechnology or IntegrationVanguard is referenced as a partner for corporate retirement plan management, providing investment options for plan participants.
• Fiduciary Benchmarks, Inc.supportingTechnology or IntegrationPartnership with Fiduciary Benchmarks, Inc. provides enhanced fiduciary capabilities including the Retirement Outcomes Evaluator, PlanPoint, PlanProfile, FeeChecker, and V2.1 Full Benchmarking Report for retirement plan services.
• Private Advisor GroupcoreChannel Partner/ Reseller/ DistributorInvestment advice offered through Private Advisor Group, a registered investment advisor. SCH Financial Group and Private Advisor Group are separate entities from LPL Financial.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Others

• Focus Financial Partners: RIA aggregator and partnership platform for independent wealth managers; relevant to SCH as both a potential acquirer/partner for succession planning and as a competing model for scaling an independent advisory practice.

Broad incumbents

• Mariner Wealth Advisors: National RIA providing comprehensive wealth advisory, retirement plan, and legacy/estate services to affluent families — overlapping SCH's client profile (retirees, multi-generational wealth) across a much broader footprint.
• LPL Financial: The independent broker-dealer that SCH uses for securities execution and custody. As the largest U.S. independent broker-dealer supporting 32,000+ advisors and ~$2.3T in assets, it represents the broader ecosystem of independent advisory practices competing in the same channel.
• Cetera Financial Group: Network of independent broker-dealer and RIA firms serving financial advisors and their clients with retirement, wealth, and advisory solutions; competes for the same independent-advisor relationships LPL anchors.
• Edelman Financial Engines: Large national RIA combining advisor-led wealth management with corporate retirement-plan services. Comparable to SCH in retirement-plan and fiduciary advisory focus, but operating at materially larger scale.
• Commonwealth Financial Network: Independent broker-dealer/RIA supporting independent financial advisors with planning-focused wealth management offerings, comparable to SCH in target client (affluent households) and fee-based advisory model.
• Ameriprise Financial: Large diversified wealth manager with a national franchise of advisors focused on retirement planning, holistic financial planning, and wealth management for affluent households — overlapping SCH's core offering at significantly greater scale.
• Cambridge Investment Research: Independent broker-dealer and RIA platform supporting thousands of independent financial advisors with a similar open-architecture, no-proprietary-product value proposition aimed at independent wealth managers.
• Raymond James Financial Services: Diversified financial services firm with a large independent-advisor channel targeting affluent households with retirement and wealth management services, broadly comparable to SCH's service mix.

Direct peers

• Private Advisor Group: Registered investment advisor through which SCH Financial Group offers investment advisory services. It is the most directly comparable operating model — independent RIAs affiliating under a shared RIA umbrella — and serves a similar advisor/client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sch-financial-group

Compliance2 records

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 SCH Financial Group