Financial Cloud Works LLC
Financial Cloud Works, LLC builds Break Analytics, a cloud-based IRA planning platform used by financial advisors, CPAs, and estate attorneys to model RMDs, Inherited IRA distributions, Roth conversions, QCDs, and SEPP 72(t) scenarios with client-ready reports on a $600–$1,000 per-advisor annual subscription.
- Company typePrivate
- Founded1987
- HeadquartersNew Smyrna Beach, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Financial Cloud Works LLC does
Financial Cloud Works, LLC is a privately-held U.S. software company founded in 1987 by Vincent Heck. The firm originally developed healthcare and laboratory applications deployed at hundreds of hospitals before evolving over nearly four decades into Qualified Dollar planning software, culminating in its flagship cloud-based IRA planning platform, Break Analytics. The company operates from a New Smyrna Beach, Florida headquarters with team members in Charlotte, North Carolina and Sewickley, Pennsylvania, and is a small, founder-owned organization with approximately six core personnel plus a board of directors.
Break Analytics is a cloud-native subscription platform that financial advisors, CPAs, and estate attorneys use to model complex IRA scenarios. The software produces year-by-year projections of Owner RMDs (using Uniform Lifetime and Joint and Last Survivor tables), Inherited IRA distributions under both pre- and post-SECURE Act rules, Roth conversion strategies (with proprietary Bracket Ride, Conversion Smoothing, and Custom Conversions methods), SEPP 72(t) calculations, and Qualified Charitable Distribution modeling. It uniquely models the second-order effects of conversions, including IRMAA Medicare premium surcharges that arrive two years out and Social Security taxation impacts in the same year, while automatically reflecting IRS threshold updates and SECURE Act regulatory changes. The most recent version, Break Analytics EPIC, was launched in 2026.
The company monetizes Break Analytics through two annual subscription tiers — RISE at $600 per advisor license and CREST at $1,000 per advisor license — plus negotiated enterprise licensing for firms with 20 or more advisors and white-label partnerships for resellers. Go-to-market combines a self-serve online checkout with an enterprise field-sales motion led by a Director of Sales & Marketing, supported by a content-led demand engine including the Captain's Blog, weekly IRA Navigation Series webinars, and free CFP®-eligible CE sessions. The firm is bootstrapped, with no disclosed venture capital, private equity, or institutional ownership, and reported a 145% year-over-year increase in Inherited IRA illustrations from 2024 to 2025, driven by SECURE Act final RMD regulations and the broader Great Wealth Transfer tailwind.
Financial Cloud Works LLC firmographics
Firmographics- Name
- Financial Cloud Works LLC
- Legal name
- Financial Cloud Works, LLC
- Website
- https://fincw.com
- Company type
- Private
- Founded year
- 1987
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Financial Cloud Works, LLC builds Break Analytics, a cloud-based IRA planning platform used by financial advisors, CPAs, and estate attorneys to model RMDs, Inherited IRA distributions, Roth conversions, QCDs, and SEPP 72(t) scenarios with client-ready reports on a $600–$1,000 per-advisor annual subscription.
- Ownership category
- akta.pro rank
Financial Cloud Works LLC industry classification
Industry- Product category
- Retirement Tax Planning Software
- NAICS
- Portfolio Management and Investment Advice (523940), Finance and Insurance (52)
- SIC
- Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)
- akta.pro secondary industry
- Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)
Keywords
Where Financial Cloud Works LLC is headquartered
LocationHeadquarters
- HQ city
- New Smyrna Beach
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Financial Cloud Works LLC business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Software Subscription - RISE Plan: Annual subscription at $600 per advisor license providing Owner RMD illustrations, Inherited IRA planning with Distribution Smoothing™, Roth conversion modeling with net tax calculations, SEPP 72(t) modeling, and gross distribution projections.
- Software Subscription - CREST Plan: Annual subscription at $1,000 per advisor license including all RISE features plus adjustable inflation rates, Roth conversion optimization goals, QCD modeling, and Inherited IRA distribution planning with income tax impact modeling.
- Enterprise Licensing: Volume licensing for firms with 20+ advisors, negotiated pricing via direct sales contact (phone/email). White label partnerships available for firms and partners meeting minimum license requirements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | RISE - $600/year - Core IRA planning features for precise, client-ready illustrations |
| Subscription | Annual | CREST - $1,000/year - Advanced financial planning with income tax projections |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
Financial Cloud Works LLC product offering
Product offeringCore offering
Financial Cloud Works sells Break Analytics, a cloud-based IRA planning software platform licensed to financial advisors, CPAs, and estate attorneys. The platform models owner RMDs, Inherited IRA distributions, Roth conversions, QCDs, and SEPP 72(t) scenarios, producing client-ready illustrations. Two annual subscription tiers are offered per advisor: RISE at $600/year for core IRA illustrations and CREST at $1,000/year for advanced features including income tax impact modeling and QCD planning, with enterprise volume pricing for 20+ licenses.
Product overview
Break Analytics is a cloud-based IRA planning software platform for financial advisors, CPAs, and estate attorneys. It offers two subscription tiers: RISE ($600/year) for core IRA illustrations including owner RMDs using Uniform Lifetime and Joint and Last Survivor Tables, Inherited IRA planning with Distribution Smoothing for Traditional and Roth IRAs, Roth conversion modeling with Bracket Ride, Conversion Smoothing, and Custom Conversions strategies, extended stretch IRA modeling, and SEPP 72(t) calculations; and CREST ($1,000/year) adding adjustable inflation rates, client-defined Roth conversion optimization goals, QCD modeling, and Inherited IRA distribution planning with income tax impact projections.
Differentiator
Problem solved
Functional benefit
Brands
- Break Analytics RISE: Annual subscription at $600/year per advisor license. Includes Owner RMD illustrations, Inherited IRA planning, Roth conversion modeling, Extended (Stretch) IRA modeling, and SEPP 72(t) modeling.
- Break Analytics CREST
Products and services
- Break Analytics Break Analytics is Financial Cloud Works' cloud-based IRA planning software platform for financial advisors, CPAs, and estate attorneys. It models owner RMDs, Inherited IRA distributions, Roth conversions, QCDs, and SEPP 72(t) scenarios, producing client-ready year-by-year illustrations. The platform includes proprietary features such as Distribution Smoothing™, Bracket Ride, and Conversion Smoothing™, plus automatic IRC threshold and IRMAA updates and Social Security taxation impact modeling.
- Break Analytics RISE Plan Annual subscription at $600 per advisor license providing core IRA planning features. Includes owner RMD illustrations using Uniform Lifetime and Joint and Last Survivor Tables, Inherited IRA planning with Distribution Smoothing for Traditional and Roth IRAs, Roth conversion modeling with net tax calculations, extended stretch IRA modeling, and SEPP 72(t) modeling. Available for purchase online or via enterprise sales.
- Break Analytics CREST Plan Annual subscription at $1,000 per advisor license that includes all RISE features plus adjustable inflation rates for tax brackets, Social Security, IRMAA, and real-world rates; client-defined Roth conversion optimization goals; QCD modeling for charitable distribution strategies; and Inherited IRA distribution planning with income tax impact modeling. Available for purchase online or via enterprise sales.
- Break Analytics Enterprise Licensing Volume licensing tier for financial advisory firms and other enterprises with 20 or more advisor seats, with negotiated pricing via direct sales contact by phone (800.766.7327) or email ([email protected]). Includes white-label partnership opportunities for firms and partners meeting minimum license requirements who want to rebrand or embed the platform.
- Break Analytics EPIC Break Analytics EPIC is the most advanced version of the Break Analytics IRA planning platform, released in 2026. It is positioned as the latest evolution of the company's IRA planning software, building on nearly 40 years of IRA software development experience.
Quantifiable outcome
- Inherited IRA illustrations increased 145% from 2024 to 2025
- +2 more outcomes
Companies that use Financial Cloud Works LLC
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Financial Cloud Works LLC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
Financial Cloud Works LLC partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights5 records
Financial Cloud Works LLC competitors and assessment
Company assessmentBroad incumbents
- MoneyGuideStar: Established goal-based financial planning platform used widely by RIAs and broker-dealers. Includes retirement income and tax planning modules that overlap with Break Analytics's IRA modeling, though sold as a comprehensive planning suite rather than a specialized IRA tool.
- Advyzon: All-in-one advisor tech platform combining CRM, portfolio management, and financial planning. Its planning module includes retirement and tax planning capabilities that overlap with Break Analytics, sold to RIAs as a bundled solution.
- Orion Advisor Technology: Broad advisor technology platform offering planning, portfolio, and risk tools. Orion Planning includes retirement income and Roth conversion features that compete for the same enterprise RIA and broker-dealer buyers that Break Analytics targets with its 20+ advisor enterprise licensing.
- eMoney Advisor: Comprehensive financial planning platform (owned by Fidelity) for advisors and consumers. Its retirement/IRA modules overlap with Break Analytics; represents a well-capitalized suite play against best-of-breed niche tools.
Direct peers
- Boldin (formerly NewRetirement): Retirement planning platform with an advisor tier offering Roth conversion, RMD, Social Security, and Inherited IRA modeling. Direct overlap with Break Analytics's IRA planning scenarios and similar subscription pricing structure.
- RightCapital: Financial planning software for RIAs and broker-dealers that includes Roth conversion, RMD, and tax planning modules comparable to Break Analytics's offerings. Competes for the same advisor wallet with a broader planning-suite approach.
- Income Lab: Retirement income planning software for financial advisors focused on sustainable withdrawal strategies, Social Security optimization, and RMD modeling. Highly comparable to Break Analytics's retirement-income focus and advisor-only GTM.
- Holistiplan: Tax planning software specifically built for financial advisors, including Roth conversion modeling and tax-bracket analysis. Holistiplan is the closest direct competitor to Break Analytics, serving the same RIA/BD advisor persona with a similar annual subscription pricing model and tax-focused use cases.
Emerging players
- FP Alpha: AI-powered financial planning analysis tool for advisors that includes tax, Roth conversion, and estate planning insights. Comparable in advisor GTM and IRA-adjacent use cases, with stronger technology/AI positioning than Break Analytics.
- Income Lab Pro / Income Lab for Advisors: Retirement income-focused planning for advisors with deeper RMD and withdrawal modeling. Comparable in advisor-only GTM and IRA-adjacent use cases; represents an emerging best-of-breed competitor with specialized positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Financial Cloud Works LLC social profiles
Digital presenceFinancial Cloud Works LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Financial Cloud Works LLC leadership team
Management profileNumber of profiles
Profiles9 records
Financial Cloud Works LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Financial Cloud Works LLC 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 Financial Cloud Works LLC
What does Financial Cloud Works LLC do?
Financial Cloud Works sells Break Analytics, a cloud-based IRA planning software platform licensed to financial advisors, CPAs, and estate attorneys. The platform models owner RMDs, Inherited IRA distributions, Roth conversions, QCDs, and SEPP 72(t) scenarios, producing client-ready illustrations. Two annual subscription tiers are offered per advisor: RISE at $600/year for core IRA illustrations and CREST at $1,000/year for advanced features including income tax impact modeling and QCD planning, with enterprise volume pricing for 20+ licenses.
Is Financial Cloud Works LLC a public or private company?
Financial Cloud Works LLC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Financial Cloud Works LLC founded?
Financial Cloud Works LLC was founded in 1987. It employs 1 to 10 people.
Where is Financial Cloud Works LLC based?
Financial Cloud Works LLC is headquartered in New Smyrna Beach, United States, in the North America region.
How does Financial Cloud Works LLC make money?
Three revenue lines are on record. Software Subscription - RISE Plan is the primary driver. The others are software Subscription - CREST Plan and enterprise Licensing.
Who are Financial Cloud Works LLC's main competitors?
Broad incumbents on record are MoneyGuideStar, Advyzon, Orion Advisor Technology and eMoney Advisor. Direct peers are Boldin (formerly NewRetirement), RightCapital, Income Lab and Holistiplan. Emerging players are FP Alpha and Income Lab Pro / Income Lab for Advisors.
Does Financial Cloud Works LLC have an API?
No public API is recorded for Financial Cloud Works LLC.
What industry is Financial Cloud Works LLC in?
Financial Cloud Works LLC's product category is Retirement Tax Planning Software. Its primary akta.pro industry code is FSAGAEAH, Digital Wealth Platforms for Advisors (TAMP/Advisor Tech), with a secondary code of FSAAABAM, Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs). Its NAICS code is 523940 and its SIC code is 6282.