Digital Investment Services

What Digital Investment Services does

Digital Investment Services is a private retail financial advisory practice headquartered in Chelmsford, Massachusetts, that delivers financial planning, investment management, retirement planning, insurance planning, and college planning services to individual investors and families across Massachusetts and New Hampshire. The firm operates through 16 office locations, many co-located with Digital Federal Credit Union (DCU) branches, and is organized as a sales-led, relationship-driven practice that acquires clients through personal referrals, DCU member referrals, community seminars, webinars, and scheduled in-person consultations. The financial advisory services are technically delivered through LPL Financial, a registered investment advisor and broker-dealer, while the firm itself operates as an affiliate of DCU (a division of First Technology Federal Credit Union), with DCU receiving referral payments from LPL Financial for clients referred into the program.

The firm's product suite is built almost entirely on third-party vendor platforms rather than proprietary technology. Its client-facing digital tool, MyBlocks, is a MoneyGuidePro-based financial planning module focused on retirement readiness and Social Security optimization. For investment management, the firm layers Guided Wealth Portfolios, an LPL-aligned guided portfolio service, on top of traditional brokerage accounts. Weekly market commentary is sourced from LPL Research, and the firm publishes educational content, runs webinars, and hosts community events to drive top-of-funnel client acquisition. There is no disclosed proprietary technology, no mobile app, no public API, and no AI/ML capabilities.

The revenue model is fee-based recurring financial advisory income, with fees typically structured around assets under management or flat advisory fees billed annually; no pricing tiers are publicly disclosed. The firm is privately held, has no disclosed funding rounds, no parent company, and no M&A history. Its primary scaling levers are geographic office expansion within the New England region, deepening of the DCU referral channel, and incremental advisor hiring, with the relationship quality of its veteran advisory team (averaging 15–26 years of experience) being the central operational asset.

Name

Digital Investment Services

Legal name

Digital Investment Services

Website

https://digitalinvestmentservices.com

Company type

Private

Operating status

Operating

Short description

Digital Investment Services is a private retail financial advisory practice serving individual investors and families across 16 Massachusetts and New Hampshire offices, delivering financial planning, investment management, retirement, insurance, and college planning through LPL Financial and DCU referrals.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Robo Financial Planning (FSAEAAAK)

Keywords

• Financial planning services
• Investment management advisory
• Retirement planning services
• Wealth management advisory
• Personal financial advisory

Headquarters

HQ city

Chelmsford

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees: Revenue generated from providing financial advisory and planning services to individual clients. Services include financial planning, investment management, retirement planning, insurance planning, and college planning. Securities and advisory services offered through LPL Financial.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Digital Investment Services is a private financial advisory firm that provides personalized financial planning, investment management, retirement planning, insurance planning, and college planning services to individual clients and families across Massachusetts and New Hampshire. The firm operates through 16 office locations offering in-person consultations and uses digital tools such as the MyBlocks planning tool (MoneyGuidePro-based) and Guided Wealth Portfolios. Securities and advisory services are delivered through LPL Financial, with referrals sourced from Digital Federal Credit Union (DCU) partnerships.

Product overview

Digital Investment Services offers a comprehensive suite of financial planning and investment management services through a network of advisors. The core offerings include Financial Planning, Investment Management, Retirement Planning, Insurance Planning, and College Planning services. These are complemented by digital tools like MyBlocks for financial assessment and Guided Wealth Portfolios for portfolio management. All securities and advisory services are offered through LPL Financial, their registered investment advisor and broker-dealer partner. The firm operates as a division of Digital Federal Credit Union (DCU), providing institutional backing while maintaining personalized advisor relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service that helps clients assess short-term and long-term goals and determine the best tools and strategies for achieving them. Targeted at individual investors and families.
• Investment Management
• Retirement Planning
• Insurance Planning
• College Planning

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• LPL FinancialcoreTechnology or IntegrationSecurities and advisory services are offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). The firm offers products and services through LPL Financial and provides access to LPL Research content and market commentary.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Edward Jones: Large U.S. retail financial advisory franchise built around local branch offices serving individual investors. Directly comparable in its relationship-led, in-person, multi-office regional model and focus on individual/family financial planning and investment management.
• Ameriprise Financial: National financial advisory firm offering financial planning, investment management, retirement, insurance, and college planning through a network of local advisors. Closely comparable product mix, advisor-led delivery, and reliance on LPL-equivalent back-office infrastructure.
• Cetera Financial Group: Independent advisor-focused wealth management platform supporting independent financial advisors with brokerage, advisory, and back-office services. Directly comparable as an LPL-style host platform for advisor practices offering financial planning and investment management to individuals.
• Cambridge Investment Research: Independent broker-dealer and RIA platform supporting thousands of financial advisors across the U.S. Comparable as a host platform model under which an LPL-affiliated practice like Digital Investment Services operates, with similar advisor-led planning and investment management offerings.

Broad incumbents

• Raymond James Financial: Large diversified financial services firm with a substantial retail wealth management and financial planning franchise. Overlaps with Digital Investment Services in advisor-led financial planning and investment management, but operates at much greater scale and breadth (including investment banking and asset management).
• Merrill Lynch Wealth Management: Bank-affiliated retail wealth management franchise within Bank of America serving affluent individuals with financial planning, investment management, and lending. Comparable client base and product suite, but operates at significantly larger scale and with full bank distribution behind it.
• Charles Schwab Wealth Advisory: Schwab's advisory and wealth management offerings including Schwab Wealth Advisory and Intelligent Portfolios. Comparable in serving individual investors with planning and investment management, but at national scale and increasingly with digital/robo delivery, representing both a peer and a competitive threat.
• Fidelity Wealth Management: One of the largest retail wealth management platforms in the U.S., offering advisor-led financial planning, investment management, and workplace retirement services. Comparable in product mix and target customer; a partial substitute that competes on brand, scale, and digital tools.
• Northwestern Mutual: Large U.S. financial services mutual company combining financial planning, investment management, and (notably) insurance planning via a network of local advisors. Closely comparable to Digital Investment Services on the insurance planning cross-sell and the local-advisor-led model.

Regional players

• First Tech Federal Credit Union (First Tech): Digital Federal Credit Union (DCU) operates as a division of First Technology Federal Credit Union (First Tech), and the firm is structurally affiliated with this network. Comparable as a credit-union-affiliated financial services provider in the Pacific Northwest/tech corridor; it provides the institutional context for the Digital Investment Services referral channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Digital Investment Services