Core Financial Group
Core Financial Group is an independent, fiduciary wealth management firm in Spokane Valley, Washington, delivering comprehensive financial planning and investment management to individuals, families, business owners, educators, and healthcare professionals across the Pacific Northwest and 17 additional U.S. states through Cetera-affiliated advisors.
- Company typePrivate
- Founded2014
- HeadquartersSpokane Valley, Washington, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Core Financial Group does
Core Financial Group is an independent, fiduciary wealth management firm headquartered in Spokane Valley, Washington, with a secondary office in Wenatchee. Founded in 2014, the firm delivers comprehensive financial planning and investment management services to individuals, families, business owners, teachers, healthcare professionals, pre-retirees, and retirees across the Pacific Northwest and 17 additional U.S. states. Its service portfolio spans personal financial planning, retirement planning, investment management, wealth management, 401(k)/403(b)/457 strategies, tax planning, insurance planning, estate and legacy planning, and business services including succession and exit planning. Securities are offered through Cetera Advisors LLC and advisory services through Cetera Investment Advisers LLC, providing the regulatory and technology infrastructure (AdviceWorks client portal, Albridge reporting); the firm itself operates as an unaffiliated advisor.
The firm is structured around a core team of approximately 7 advisory professionals, including Managing Partner Ryan Graczyk, supported by additional advisors with industry tenures ranging from 17 to 25+ years and full securities registrations (Series 7, 63, 65, 66, 24). Operations are family-led, with multiple Graczyk family members in client-facing and operational roles. The business model is fee-based, recurring revenue tied to assets under management or flat advisory fees, typical of fiduciary RIAs. Client engagement follows a structured four-step process (Initial Consultation, Strategy Session, Implementation, Annual Review), reinforced by a SmartVestor Pro affiliation (Dave Ramsey network), a referral program, and active community involvement in Pacific Northwest charitable organizations. The firm is in operating status with no disclosed revenue, no funding rounds, and no M&A activity.
Core Financial Group firmographics
Firmographics- Name
- Core Financial Group
- Legal name
- Core Financial Group
- Website
- https://corefinancialgroupnw.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Core Financial Group is an independent, fiduciary wealth management firm in Spokane Valley, Washington, delivering comprehensive financial planning and investment management to individuals, families, business owners, educators, and healthcare professionals across the Pacific Northwest and 17 additional U.S. states through Cetera-affiliated advisors.
- Ownership category
- akta.pro rank
Core Financial Group industry classification
Industry- Product category
- Wealth Management and Financial Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where Core Financial Group is headquartered
LocationHeadquarters
- HQ city
- Spokane Valley, Washington
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Core Financial Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Financial Advisory and Planning Services: Fee-based comprehensive financial planning and investment management services provided through registered investment adviserCetera Investment Advisers LLC. Services include financial planning, retirement planning, investment management, wealth management, tax planning, insurance planning, and estate planning for individuals, families, and business owners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Customized financial planning and advisory services |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Core Financial Group product offering
Product offeringCore offering
Core Financial Group is an independent wealth management firm delivering comprehensive financial planning and active investment management to individuals, families, and business owners in the Pacific Northwest and 17 additional states. Services span personal financial planning, retirement planning, wealth management, tax planning, insurance planning, estate planning, 401(k) strategies, business planning, succession planning, and exit/transition strategies, coordinated through a team-based fiduciary advisory approach with the AdviceWorks client portal as the digital engagement layer. Securities are offered through Cetera Advisors LLC and advisory services through Cetera Investment Advisers LLC.
Product overview
Core Financial Group is an Independent Wealth Management firm delivering comprehensive financial planning and investment management services through a coordinated, team-based approach. Their core service portfolio spans personal services (Financial Planning, Retirement Planning, Investment Management, Wealth Management, 401(k) Strategies, Tax Planning, Insurance Planning, and Estate & Legacy Planning) and business services (Retirement Plan Consulting, Business Planning, Succession Planning, and Exit & Transition Strategies). They supplement their advisory services with a client portal called AdviceWorks for account access and financial tracking, Self-Directed Brokerage Account (SDBA) guidance for workplace retirement plans, and SmartVestor Pro program participation. The firm also provides financial literacy resources including articles, calculators, and educational videos.
Differentiator
Problem solved
Functional benefit
Products and services
- Comprehensive Financial Planning Holistic personal financial planning service covering budgeting, goal setting, family financial decisions, and ongoing plan adjustments across life stages for individuals and families.
- Retirement Planning Retirement readiness assessment, savings gap analysis, investment optimization, and retirement income strategy design for pre-retirees and retirees.
- Investment Management Active portfolio management aligned with clients' financial objectives, adapting to market conditions and integrated with broader financial planning for individuals, families, and business owners.
- Wealth Management Coordinated wealth management service combining investment management, financial planning, tax planning, insurance planning, and estate planning for individuals and families with accumulated assets.
- Tax Planning Tax-efficient wealth strategies and ongoing tax planning coordinated with a CPA partner (Tim Beck) to align client tax outcomes with overall financial goals.
- Insurance Planning Insurance needs analysis and planning integrated into the overall financial strategy, supported by advisors holding life and health insurance licenses.
- Estate & Legacy Planning Estate and legacy planning services covering asset protection, legacy establishment, and coordination with estate professionals as part of comprehensive wealth planning.
- 401(k) Strategies Workplace retirement plan advisory covering 401(k), 403(b), and 457 plans, with self-directed brokerage account (SDBA) options for participants seeking broader investment access.
- Business Planning Business-side financial planning service for business owners and executives spanning business planning aligned with personal financial goals for long-term stability and growth.
- Succession Planning Business succession planning for business owners and executives, supporting continuity of the business and alignment with personal wealth goals.
- Exit & Transition Strategies Exit and transition strategies for business owners and executives, coordinating personal and business financial goals through ownership transitions.
- Retirement Plan Consulting Retirement plan consulting for businesses including design, implementation, and oversight of employee retirement plans such as 401(k) plans.
- AdviceWorks Client Portal Cloud-based all-in-one client portal providing holistic views of all financial accounts (investments, bank, mortgage, loans, credit cards), document storage and sharing, real-time goal tracking, and progress measurement, with iOS and Android mobile apps.
Companies that use Core Financial Group
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles5 records
Core Financial Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Core Financial Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and strategic.
- Cetera Advisors LLCcoreSecurities offered through Cetera Advisors LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera provides the regulatory platform and technology infrastructure for the firm's securities and advisory operations.
- Dave Ramsey SmartVestor ProcoreFirm advisors are SmartVestor Pros - part of Dave Ramsey's network of trusted financial professionals. Advisors pay a fee for client leads provided through the program. SmartVestor Pro designation signifies commitment to transparency, integrity, and education in financial guidance.
- Tim Beck (CPA Partner)strategicTrusted CPA partner for tax planning and strategy. Collaboration ensures client tax planning aligns with overall financial goals. Tim Beck is not affiliated with or registered through Cetera Advisors LLC.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Core Financial Group competitors and assessment
Company assessmentDirect peers
- Savant Wealth Management: Mid-sized independent RIA offering comprehensive financial planning, investment management, and tax strategy to individuals, families, and business owners across multiple states. Comparable in fee-only fiduciary model, holistic service mix, and multi-state expansion profile.
- Ronald Blue Trust: Fee-only Christian-aligned RIA providing comprehensive financial planning, investment management, tax, and estate planning to individuals and families. Comparable on independent fiduciary positioning, holistic planning services, and values-aligned client acquisition model.
- Carson Wealth: Independent RIA platform serving individuals, families, and business owners with holistic financial planning and investment management. Comparable mid-market RIA offering similar fiduciary, fee-based advisory model.
Broad incumbents
- Northwestern Mutual: Large established financial services firm offering financial planning, investment, and insurance products through a national advisor network. Comparable on holistic planning, retirement-income focus, and advisor-led delivery — though captive rather than independent.
- Ameriprise Financial: Diversified financial services company distributing comprehensive financial planning, investment management, and insurance products through a large advisor force. Highly comparable on comprehensive planning services and multi-segment client base including business owners and pre-retirees.
- Commonwealth Financial Network: Independent broker-dealer and RIA platform supporting thousands of financial advisors delivering holistic planning and investment services. Directly comparable as a Cetera-style IBD/RIA platform serving independent advisor practices.
- Mariner Wealth Advisors: National independent wealth advisory firm providing financial planning, investment management, estate, tax, and retirement plan consulting. Larger than Core Financial Group but operates the same independent RIA playbook serving individuals, families, and business owners.
- Edelman Financial Engines: Large independent RIA combining financial planning and investment management for individuals and families, with strong workplace retirement plan and educator/mass-affluent footprint. Directly comparable fiduciary model and household-focused planning approach.
- Creative Planning: Large, independent, fee-only RIA delivering comprehensive financial planning and investment management to individuals, families, and business owners. Significantly larger than Core Financial Group, but the most direct comparator on independent-fiduciary positioning, holistic planning model, and business-owner services.
Others
- LPL Financial (LPL-affiliated RIAs): Largest independent broker-dealer in the U.S., supporting thousands of independent advisor practices with compliance, technology, and custody infrastructure analogous to Cetera. Relevant as a competitive platform choice for independent RIAs of similar size to Core Financial Group.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Core Financial Group social profiles
Digital presenceCore Financial Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Core Financial Group leadership team
Management profileNumber of profiles
Profiles7 records
Core Financial Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Core Financial Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Core Financial Group
What does Core Financial Group do?
Core Financial Group is an independent wealth management firm delivering comprehensive financial planning and active investment management to individuals, families, and business owners in the Pacific Northwest and 17 additional states. Services span personal financial planning, retirement planning, wealth management, tax planning, insurance planning, estate planning, 401(k) strategies, business planning, succession planning, and exit/transition strategies, coordinated through a team-based fiduciary advisory approach with the AdviceWorks client portal as the digital engagement layer. Securities are offered through Cetera Advisors LLC and advisory services through Cetera Investment Advisers LLC.
Is Core Financial Group a public or private company?
Core Financial Group is a private company. It is classified as family owned and is currently operating.
When was Core Financial Group founded?
Core Financial Group was founded in 2014. It employs 11 to 50 people.
Where is Core Financial Group based?
Core Financial Group is headquartered in Spokane Valley, Washington, United States, in the North America region.
How does Core Financial Group make money?
One revenue line is on record: financial Advisory and Planning Services.
Who are Core Financial Group's main competitors?
Direct peers on record are Savant Wealth Management, Ronald Blue Trust and Carson Wealth. Broad incumbents are Northwestern Mutual, Ameriprise Financial, Commonwealth Financial Network, Mariner Wealth Advisors, Edelman Financial Engines and Creative Planning. LPL Financial (LPL-affiliated RIAs) is listed as an others.
Does Core Financial Group have an API?
No public API is recorded for Core Financial Group.
What industry is Core Financial Group in?
Core Financial Group's product category is Wealth Management and Financial Advisory. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.