shepard FINANCIAL

What shepard FINANCIAL does

shepard FINANCIAL is a privately held, hybrid financial advisory firm headquartered in Yarmouth, Maine, serving individual clients and families across 22-24 U.S. states. The firm delivers integrated financial planning — covering cash flow, tax strategy, investment management, retirement, protection, and estate/legacy planning — through a structured four-step engagement process (Discover, Design, Act, Evolve). Its investment approach combines a core allocation with tactical positioning and global diversification, offered on a fiduciary basis with no stated minimum account size, distinguishing it from asset-gated competitors.

The firm operates as a Registered Investment Advisor through Flagship Harbor Advisors and offers brokerage services through LPL Financial, generating revenue primarily from recurring investment advisory fees with supplementary transaction-based commissions. It uses third-party technology platforms (eMoney for client portal, Account View for account management, FMG Suite for content, OnceHub for scheduling) rather than proprietary core technology. Two founder-originated frameworks — the 'Find Your Financial Nature™' diagnostic tool and the 'Evolutionary Method' values-based planning philosophy — provide differentiation. The team comprises five named professionals including CEO & Founder Tom Shepard, COO/Advisor Nate Waller, CIO Tim Wyand, CMO Emily Silver, and Executive Administrator Cloe Dilworth.

Shepard FINANCIAL extends its reach beyond traditional advisory through The Currency Institute, a financial literacy organization founded by Tom Shepard offering Currency Camp programs, retreats, and workshops. Its go-to-market combines direct advisor-led sales (complimentary discovery meetings), inside sales via online scheduling, event-driven engagement through educational programming, and a content marketing infrastructure spanning a seven-category resource center, calculators, and a YouTube video library. The firm is independently operated under affiliation agreements with LPL Financial and Flagship Harbor Advisors rather than as a subsidiary of any parent entity.

Name

shepard FINANCIAL

Legal name

shepard FINANCIAL

Website

https://shepard-financial.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Shepard FINANCIAL is a privately held, hybrid financial advisory firm in Yarmouth, Maine, serving individuals and families across 22-24 U.S. states with integrated financial planning and active investment management via Flagship Harbor Advisors and LPL Financial.

Ownership category

akta.pro rank

Headquarters

HQ city

Yarmouth Port

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Fees: The firm acts as a fiduciary when providing investment advisory services, earning fees for managing customized investment portfolios. Investment advice is offered through Flagship Harbor Advisors, a registered investment advisor.
2. Brokerage Commissions: As a hybrid advisory firm, Shepard FINANCIAL may also offer services in a brokerage capacity through LPL Financial, earning commissions on securities transactions in addition to advisory fees.
3. Financial Planning Services: Comprehensive financial planning services covering cash flow, tax strategy, investments, retirement, and estate planning, integrated into the advisory relationship without a separate stated fee schedule.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Shepard FINANCIAL is a private hybrid financial advisory firm offering comprehensive financial planning and personalized, actively managed investment portfolios to individuals and families. Services integrate cash flow, tax strategy, investments, retirement, and estate/legacy planning into a continuous framework delivered through a four-step Discover, Design, Act, Evolve process. Investment advisory services are offered through Flagship Harbor Advisors (RIA) and securities are offered through LPL Financial (broker-dealer).

Product overview

shepard FINANCIAL is a financial advisory firm offering comprehensive financial planning and investment management services. The core offering includes a unified financial planning framework that integrates cash flow planning, tax strategy, investment management, retirement planning, protection planning, and estate and legacy planning. Their investment approach combines comprehensive financial planning with personalized, actively managed investment strategies. The firm also offers proprietary tools including the Find Your Financial Nature™ assessment and The Currency Institute educational programs, along with a suite of financial calculators and secure client portals (eMoney and Account View). The company operates as a hybrid advisory firm affiliated with LPL Financial and Flagship Harbor Advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Financial Planning
• Personalized Investment Management
• Find Your Financial Nature™ Assessment
• The Currency Institute
• eMoney Client Portal
• Account View

Quantifiable outcome

• No minimum account size requirement — serving clients at all life stages
• +1 more outcomes

Named customers4 records

Segments2 records

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

Three partnerships are on record, tiered core and secondary.

• Flagship Harbor AdvisorscoreChannel Partner/ Reseller/ DistributorFlagship Harbor Advisors is a registered investment advisor (RIA) through which shepard FINANCIAL offers investment advisory services. The firm operates as a Registered Investment Advisor under Flagship Harbor Advisors, and its advisors hold Series 65 licenses through this entity. The relationship is the primary regulatory channel through which fiduciary investment advice is delivered to clients.
• LPL FinancialcoreChannel Partner/ Reseller/ DistributorLPL Financial is a registered broker-dealer (Member FINRA/SIPC) through which shepard FINANCIAL offers securities products and services. The firm provides custodial and execution services for client brokerage accounts. Securities offered through LPL Financial include the LPL Financial Form CRS and disclosures. The firm is one of the largest wealth management platforms in the U.S., servicing approximately $2.3 trillion in assets.
• The Currency InstitutesecondaryStrategic or Co-development PartnerFounded by Tom Shepard, CEO & Founder of shepard FINANCIAL, The Currency Institute is a financial education and empowerment organization that offers Currency Camp programs, retreats, workshops, and coaching. It operates as a distinct entity extending the firm's thought leadership and community reach through educational programming. It represents an extension of the firm's Evolutionary Method philosophy into broader financial literacy markets.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Fisher Investments: Large independent investment management firm providing portfolio management and financial planning primarily to HNW individuals and institutions. Comparable in offering personalized, actively managed portfolios but operates at vastly greater AUM scale and narrower planning depth.
• Edelman Financial Engines: Largest independent RIA in the U.S., combining human advisors with proprietary technology to deliver financial planning and investment management to mass-affluent and HNW clients. Comparable service offering to shepard FINANCIAL but at significantly greater scale.
• Schwab Wealth Advisory: Charles Schwab's advisory service combining dedicated CFP®-led financial planning with portfolio management, leveraging Schwab's custodial platform. Directly comparable to shepard FINANCIAL's offering while operating with major incumbent scale and platform advantages.
• Vanguard Personal Advisor: Vanguard's hybrid advisory service pairing human CFP® advisors with algorithmic portfolio management for mass-affluent investors. Competes directly with shepard FINANCIAL for no-minimum, low-cost fiduciary advisory relationships at significantly greater scale.
• Creative Planning: One of the largest independent RIAs in the U.S., offering comprehensive financial planning, investment management, and tax services to individuals and families. Comparable to shepard FINANCIAL in service model (fiduciary RIA, integrated planning) but operates at vastly greater scale with hundreds of advisors and billions in AUM.

Direct peers

• Personal Capital (Empower): Hybrid digital wealth management firm combining proprietary financial tools with human advisor services for HNW and mass-affluent clients. Directly comparable to shepard FINANCIAL in service breadth and target client, while operating a tech-enabled platform at much larger scale.
• Facet Wealth: Digital-first financial planning firm offering flat-fee, virtual comprehensive financial planning and investment management. Directly competes with shepard FINANCIAL for mass-affluent clients seeking fiduciary advice without traditional AUM minimums, representing the hybrid human-tech model that pressures boutique advisory economics.
• Carson Group: Wealth management firm serving financial advisors and their clients through coaching, technology, and an RIA platform. Comparable to shepard FINANCIAL in the integrated planning + investment management model, and competes for the same advisor-affiliated hybrid RIA niche.
• Mariner Wealth Advisors: National RIA offering comprehensive financial planning, investment management, tax, and estate services to high-net-worth individuals. Highly comparable service model to shepard FINANCIAL — fiduciary advisory, integrated planning across the wealth spectrum — with significantly broader geographic footprint and advisor headcount.

Others

• LPL Financial: Largest independent broker-dealer in the U.S., servicing approximately $2.3 trillion in assets. Functions as shepard FINANCIAL's broker-dealer and platform partner rather than a direct competitor, but is the underlying infrastructure on which the firm's brokerage business depends.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UChYWTE3PDOOmmmJwhpBb-Og

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 shepard FINANCIAL