fineberg financial management (ffm)

What fineberg financial management (ffm) does

Fineberg Financial Management (FFM) is a privately held, fee-only registered investment advisory firm headquartered in Seal Beach, California, founded in 2016 by Marah Fineberg-Kuck, CFP, CRPC. The firm provides holistic wealth management to individuals, families, and business owners, combining investment management, discretionary asset management, and comprehensive financial planning across retirement, tax, estate, insurance, college, and group benefits domains. Client assets are custodied at Charles Schwab & Co., Inc. and BNY Mellon Pershing, with securities offered through Private Client Services, LLC (Member FINRA/SIPC). FFM is registered as an investment adviser and holds securities registrations across 14 states, with a California insurance license.

The business model is fee-based recurring advisory billing on an annual cadence, structured as subscription-style relationships with active monitoring and adjustments rather than transactional commissions. Distribution is direct-to-client via the founding advisor and a small team (1-10 employees), supported by content marketing through a resource center, educational tools, and community involvement (including the founder's Women's Wealth Symposium 501(c)(3) nonprofit). The firm differentiates on fiduciary standard, boutique personalization, founder-led relationships, and award recognition including ten consecutive Five Star Wealth Manager awards and three Fortune Magazine Women in Business publications (2020-2022). There is no external funding, parent company, or institutional equity; ownership and operating risk remain concentrated with the founder.

Name

fineberg financial management (ffm)

Legal name

Fineberg Financial Management LLC

Website

https://finebergfinancial.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Fineberg Financial Management is a boutique, fee-only registered investment advisory firm in Seal Beach, CA offering holistic wealth management, financial planning, and investment advisory services to individuals, families, and business owners across 14 states.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Wealth management services
• Financial planning advisory
• Investment management services
• Retirement planning services
• Fee-only advisory

Headquarters

HQ city

Seal Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees (Fee-Based): Fee-based financial consulting services for investment management and financial planning. Discretionary Asset Management is offered as a fee-based service. Works on fiduciary standard ensuring advice is unbiased and aligned with client goals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Fineberg Financial Management (FFM) is a boutique independent registered investment advisory firm that provides fee-based holistic wealth management combining investment management and financial planning. Services cover individuals and families (financial planning, retirement, tax, estate, insurance, college planning) and business owners/enterprises (business advisory, retirement plans, group benefits, fiduciary services for institutions). Client assets are custodied at Charles Schwab and BNY Mellon Pershing, with active discretionary portfolio management across stocks, bonds, and alternative investments.

Product overview

Fineberg Financial Management (FFM) is an independent registered investment advisory firm offering a holistic wealth management platform combining investment management and financial planning services. The core offering consists of Individual/Family Financial Planning and Business/Enterprise Financial Planning, supported by discretionary asset management capabilities. These are complemented by specialized modules including Investment Management, Retirement Planning, Insurance Planning, Estate Planning Guidance, Tax Planning, College Planning, and Group Benefits Advisement. FFM provides a client portal for account access and delivers educational content through its Resource Center covering Money, Investment, Retirement, Tax, Estate, and Lifestyle topics. Services are fee-based with assets custodied at Charles Schwab & Co., Inc. and BNY Mellon Pershing.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual / Family Financial Planning Comprehensive financial planning for individuals and families covering investment management, risk management, retirement and income planning, tax planning, trust and estate planning, insurance planning, college savings, and generational family planning.
• Business / Enterprise Financial Planning Financial planning tailored for business owners and institutions, including business advisory, retirement plans, group benefits consulting, fiduciary services for endowments and foundations, and advice on private business transactions.
• Investment Management Professional management of investment portfolios including asset allocation, portfolio management, and risk management across individual stocks, mutual funds, ETFs, and alternative investments.
• Discretionary Asset Management Fee-based active portfolio management where FFM selects and adjusts investments based on market conditions and research, diversifying across stocks, bonds, and alternative investments with regular reporting.
• Retirement Planning Review and management of retirement assets including plan choices, Social Security optimization, Roth IRA strategies, 401(k) planning, and required minimum distribution planning.
• Insurance Planning Risk management advisory on appropriate insurance policies including life insurance, disability insurance, and other protection products (CA Insurance Lic. #0D81103).
• Estate Planning Guidance Planning and guidance for the transition and disbursement of wealth and assets, including will preparation, trust planning, executor selection, and digital estate management.
• Tax Planning Strategic tax planning integrated into financial plans, including corporate and personal tax planning, cost segregation studies, and tax-efficient investing strategies.
• College Planning

Quantifiable outcome

• Five Star Wealth Manager Award - 10 consecutive year winner
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• Women's Wealth Symposium (WWS)coreStrategic or Co-development Partner · 1 January 2016Founded in 2016 by Marah Fineberg-Kuck, Women's Wealth Symposium is a 501(c)(3) public nonprofit and local grassroots charity focused on helping women achieve financial literacy and improve their quality of life. FFM leadership is committed to bringing financial literacy to the community.
• Charles Schwab & Co., Inc. (Schwab Institutional Services)coreTechnology or IntegrationAssets custodied at Charles Schwab & Co., Inc. FFM is a member of Schwab Institutional Services. Schwab provides custody, trading, and technology infrastructure for client accounts.
• BNY Mellon PershingcoreTechnology or IntegrationAssets custodied at BNY Mellon Pershing. Pershing provides custody and clearing services for client accounts.
• Private Client Services, LLCcoreChannel Partner/ Reseller/ DistributorSecurities offered through Private Client Services, Member FINRA/SIPC. Marah Fineberg-Kuck is a CERTIFIED FINANCIAL PLANNER Practitioner and Registered Representative with Private Client Services. FFM and Private Client Services are unaffiliated entities.
• CFP BoardcoreStrategic or Co-development PartnerFFM is a proud member and supporter of the CFP Board, which certifies CERTIFIED FINANCIAL PLANNER professionals.
• Financial Planning Association (FPA)minorStrategic or Co-development PartnerFFM is a member of the Financial Planning Association of Orange County, CA. Marah Fineberg-Kuck is a member of The Financial Planning Association of Orange County (FPAOC) since 2012.
• Lions Club InternationalminorStrategic or Co-development PartnerMarah Fineberg-Kuck is a member of Seal Beach CA Chapter of Lions Club International since 2002. FFM supports Lions Club initiatives.
• Seal Beach Chamber of CommerceminorStrategic or Co-development PartnerMarah Fineberg-Kuck served on the Seal Beach Chamber of Commerce Board of Directors for 6 years (2012-2018) and was Vice President in 2017-2018. She chaired the Governmental Affairs Committee (GAC) for four years. FFM is a member and supporter of the Chamber.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Personal Capital (Empower): Personal Capital, now part of Empower, combines digital wealth-management tools with human advisor support for affluent individuals. It overlaps with FFM in serving holistic planning/wealth management clients, with a hybrid robo-advisor + advisor model.
• Sanctuary Wealth: Sanctuary Wealth is an open-architecture RIA platform supporting breakaway advisors transitioning from wirehouses. It is comparable to FFM as an independent-advice channel option and competes for the same breakaway-advisor and HNW-client pool in the registered-advice space.

Broad incumbents

• Creative Planning: Creative Planning is a large fee-only RIA providing wealth management, financial planning, retirement, tax, and estate services to individuals and institutions. It is a broader incumbent operating the same fiduciary, holistic advice model as FFM but at significantly greater scale.
• Fisher Investments: Fisher Investments is a large RIA managing discretionary portfolios for high-net-worth individuals and institutions. It overlaps with FFM on investment management for affluent households but operates at significantly greater AUM scale with a portfolio-construction focus rather than comprehensive planning.
• Edelman Financial Engines: Edelman Financial Engines is one of the largest US RIAs offering financial planning, investment management, and workplace-based advice. It overlaps with FFM in core offering (comprehensive planning + wealth management) but addresses both retail and corporate channels at much larger scale.

Direct peers

• Carson Group (Carson Wealth): Carson Wealth is a national RIA providing fee-based financial planning, investment management, and retirement coaching for individuals and business owners. Comparable to FFM in service mix, fiduciary orientation, and focus on holistic planning, while operating at meaningfully larger scale.
• Buckingham Strategic Wealth: Buckingham is a fee-only RIA offering financial planning, investment management, tax planning, and estate services to individuals and families. It shares FFM's holistic, planning-led approach with fiduciary standards and serves overlapping affluent client segments.
• Facet Wealth: Facet Wealth is a fee-only, fiduciary financial planning and investment management firm with a flat-fee model targeting individuals and families. It is directly comparable to FFM because both emphasize unlimited financial planning on a subscription-style fee, delivering holistic advice without AUM-based fee minimums.
• Facet Wealth: Repeated entry; consolidated under alternate naming for completeness.

Others

• Focus Financial Partners: Focus Financial Partners is a partnership of independent RIAs and wealth-management firms, providing M&A, capital, and back-office support to breakaway advisors. It is adjacent to FFM as an ecosystem participant that influences independent-advice consolidation and could be a strategic acquirer of boutique RIAs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fineberg-financial-management

Compliance6 records

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 fineberg financial management (ffm)