What ATK Financial Prosperity, LLC. does

ATK Financial Prosperity, LLC. is a fee-only registered investment adviser founded in 2022 by Alex Koynoff and headquartered in Oswego, Illinois. The firm delivers comprehensive financial planning and investment management services to individual consumers and families, with no account minimums and a stated emphasis on serving clients whose primary investable assets are held in 401K plans. Service delivery is virtual-first, enabling client engagement nationwide, with in-person consultations available in the Chicagoland suburbs.

The firm's core offering is built around the CFO Model (Continuous Financial Optimization), an ongoing planning methodology structured across six service modules: cash flow management, risk management, tax efficiency, investment management (passive ETF and index fund-based), retirement income planning, and legacy planning. The firm operates on a subscription-based fee model with no commissions, no product sales, and no parent company. Technology infrastructure consists of third-party financial planning software for secure document sharing and analysis; no proprietary platform has been disclosed. The firm's go-to-market combines sales-led and community-led motions, anchored by the founder's personal network (the firm originated from assisting his in-laws with retirement planning) and reinforced by a content marketing strategy spanning LinkedIn, Facebook, Instagram, blog content, and email newsletter, plus earned media coverage in AOL, InvestmentNews, Financial Planning, and MarketWatch.

ATK Financial Prosperity is a bootstrapped, founder-owned LLC with no institutional investors, no funding rounds, and no subsidiaries. The firm operates as a solo practice with Alex Koynoff as the sole practitioner, supported by 15+ years of his prior institutional experience at Northern Trust and Zurich North America overseeing portfolios ranging from $100M to $20B+. The firm is registered as an investment adviser with the state of Illinois and participates in the Transparent Financial Advisor Movement.

Name

ATK Financial Prosperity, LLC.

Legal name

ATK Financial Prosperity, LLC.

Website

https://atkfp.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

ATK Financial Prosperity is a fee-only registered investment adviser delivering comprehensive financial planning and investment management to individual consumers and families, with no account minimums and virtual-first nationwide delivery from its Oswego, IL headquarters.

Ownership category

akta.pro rank

Product category

Fee-Only Financial Advisory and Investment Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Fee-only financial planning
• Investment management advisory
• Retirement income planning
• Tax efficiency planning
• Wealth management services

Headquarters

HQ city

Oswego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-only Financial Planning Services: The firm operates as a fee-only registered investment adviser, compensated directly by clients. No commissions, no product sales, no hidden fees. Pricing is transparent and disclosed on their services page (though full details not accessible in source data). The firm does not require account minimums, making financial planning accessible to clients who may only have a 401K.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

ATK Financial Prosperity delivers fee-only, ongoing financial planning and investment management services for individual consumers and families. The firm provides comprehensive, continuous planning across cash flow, risk, tax efficiency, passive investment management, retirement income, and legacy/estate planning without product sales or commissions, and with no account minimums.

Product overview

ATK Financial Prosperity offers a unified financial planning and investment management service platform built around its CFO Model (Continuous Financial Optimization). The core offering combines comprehensive financial planning with investment management through service modules including Cash Flow Management, Risk Management, Tax Efficiency, Investment Management (focused on passive ETFs and Index Funds), Retirement Income Planning, and Legacy Planning. The firm operates as a fee-only registered investment adviser, providing ongoing advisory services rather than one-time transactions, with no product sales or commissions.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning and Investment Management Fee-only financial planning and investment management services that help clients achieve financial security, retirement readiness, and wealth building, delivered as comprehensive ongoing advisory without product sales or commissions and with no account minimums. Targeted at individual consumers and families, including pre-retirees and retirees.
• CFO Model (Continuous Financial Optimization) Continuous financial planning approach modeled after corporate CFO practices, providing ongoing monitoring and proactive adjustments to align clients' financial plans with evolving situations and goals. Served as the firm's named ongoing-advisory engagement framework for individual consumer and family clients.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Transparent Financial Advisor MovementminorOthers · 1 January 2022ATK Financial Prosperity is a supporter and active participant in the financial advice transparency movement, which aims to further ideals of clarity, logic, and fairness in financial advice. This is an industry initiative rather than a commercial partnership.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Savvy Wealth: Tech-enabled RIA platform providing software and back-office support to independent fee-only advisors. Comparable in supporting fee-only, no-minimum advisory model, though B2B rather than direct consumer.

Direct peers

• Ellevest: Fee-only financial planning and investment platform serving individuals, particularly women, with no minimums. Comparable in fee-only structure, accessibility focus, and direct-to-consumer digital delivery.
• XY Planning Network: Network of fee-only financial advisors serving next-generation and middle-income clients with no asset minimums. ATK's value proposition (no-minimum, fee-only, virtual-first) is essentially the XYPN thesis, making it a directly comparable peer.
• Facet Wealth: Fee-only, virtual-first financial planning firm serving individuals and families with no account minimums. Closely comparable business model, target customer, and delivery mechanism to ATK Financial Prosperity, though larger and more tech-enabled.
• Wealthsimple: Fee-only digital wealth management and financial planning platform offering advisor access for middle-income clients. Comparable in no-minimum, fee-only, virtual-first model with passive ETF investment philosophy.

Broad incumbents

• Betterment: One of the largest robo-advisors, now offering access to human advisors. Comparable in fee-only digital financial planning and passive investing focus, though primarily automated with optional human advice.
• Schwab Intelligent Portfolios Premium: Charles Schwab's hybrid advisory product combining automated portfolios with access to CFP professionals. Comparable in fee-based financial planning and passive ETF philosophy, offered by a major incumbent.
• Wealthfront: Leading robo-advisor with passive index portfolios and financial planning tools. Comparable in fee-only, passive investing focus, though primarily automated and serving younger mass-affluent clients.
• Empower Personal Advisor (formerly Personal Capital): Large hybrid advisor combining digital tools with human financial planners serving HNW and mass-affluent clients. Comparable in fee-based financial planning and investment management though at higher minimums and more tech-led.
• Vanguard Personal Advisor Services: Incumbent fee-based advisory arm of Vanguard offering ongoing financial planning and portfolio management at low cost. Comparable in passive ETF investment philosophy and fee-only orientation, though operates at vastly larger scale with minimums.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/atkfpalex
• Instagraminstagram.com/alex_atkfp
• LinkedInlinkedin.com/company/atk-financial-prosperity-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 ATK Financial Prosperity, LLC.