Joann Holst Advisers, Inc

What Joann Holst Advisers, Inc does

Joann Holst Advisers, Inc ("JH Advisers") is a private fiduciary financial advisory firm founded in 2005 and headquartered at 550 S. Wadsworth Blvd, Suite 401, Lakewood, Colorado, in the Greater Denver area. The firm serves individual Colorado residents with a suite of financial advisory services including financial planning, retirement planning, investment advice, 401(k) management, Medicare enrollment, life insurance and annuities, Social Security maximization, retirement tax strategies, and a specialized financial planning for women offering. Services are delivered through two Investment Adviser Representatives—Jo-Ann Holst and Colette Snyder—operating under Royal Fund Management, LLC, a SEC-registered investment adviser. The firm has been operating for over 20 years and serves clients both in-person and remotely via video and phone, with appointment scheduling handled through Calendly.

The firm's service delivery is supported by a 'technology planning toolbox' comprising three software tools: Retirement Analysis Software, Social Security Maximization Software, and Account Aggregation Software. These are described as proprietary analytical tools with domain specialization rather than AI-driven platforms. Charles Schwab serves as the custodian and brokerage platform for client investment accounts, and FUEL Financial Inc fulfills insurance product recommendations. The firm's technology posture is best characterized as a light, point-tool stack layered on top of human advisory relationships, with no API, no disclosed integrations, and no headcount beyond the two named advisers.

The revenue model is fee-based and consultative: advisory services generate recurring fees (with advisory services offered through Royal Fund Management, LLC), and insurance product sales generate commissions on life insurance and annuities. The firm operates as a sales-led, consultative business—requiring a minimum level of investible assets for complimentary consultations—and attracts clients through educational content (blog, YouTube, TikTok, in-person classes), referrals, and direct appointment scheduling. There are no disclosed funding rounds, no institutional ownership, no publicly disclosed revenue or headcount, and no M&A activity.

Name

Joann Holst Advisers, Inc

Legal name

JH Advisers, Inc

Website

https://joannholstadvisers.com

Company type

Private

Founded year

2005

Operating status

Operating

Short description

Joann Holst Advisers, Inc is a private fiduciary financial advisory firm based in Lakewood, Colorado, serving individual Colorado residents with retirement planning, investment advisory, Social Security optimization, Medicare, and insurance services through two adviser representatives.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Fiduciary financial planning
• Retirement planning services
• Investment advisory services
• Social security maximization
• Medicare enrollment assistance

Headquarters

HQ city

Lakewood

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

Revenue model

1. Investment Advisory Services: Advisory services are offered through Royal Fund Management, LLC, a SEC registered investment adviser. Clients pay fees for financial planning and investment advisory services.
2. Insurance Product Commissions: The adviser is paid commissions on the sale of insurance products, including life insurance and annuities. Insurance product guarantees are subject to the claims-paying ability of the issuing company.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

JH Advisers is an independent fiduciary financial advisory firm that delivers personalized financial planning, retirement planning, investment advisory, 401(k) management, Medicare enrollment, life insurance and annuities, Social Security maximization, and retirement tax strategies to individual Colorado residents. Advisory services are offered through Royal Fund Management, LLC (SEC registered investment adviser), with insurance products fulfilled by FUEL Financial Inc and custody via Charles Schwab. The practice is supported by a technology planning toolbox including Retirement Analysis, Social Security Maximization, and Account Aggregation software.

Product overview

Joann Holst Advisers, Inc is a financial advisory firm offering a unified suite of advisory services for Colorado residents. The core offering consists of financial planning, retirement planning, investment advice, 401k services, Medicare enrollment assistance, life insurance and annuities, Social Security maximization strategies, retirement tax strategies, and specialized financial planning for women. These services are delivered through human advisors and supported by a technology planning toolbox that includes Retirement Analysis Software, Social Security Maximization Software, and Account Aggregation software. The firm operates as an independent fiduciary, with advisory services offered through Royal Fund Management, LLC (SEC registered investment adviser), and insurance products fulfilled through FUEL Financial Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Expert financial strategies designed to help individual clients secure their financial future and achieve lasting stability, delivered as a fiduciary advisory service.
• Retirement Planning Planning service focused on building a comfortable retirement through smart savings strategies to ensure peace of mind in retirement years, for individual Colorado clients.
• Investment Advice Personalized investment strategies aimed at growing wealth and enabling informed investment decisions for individual clients, offered through Royal Fund Management, LLC.
• 401(k) Services Advisory services for 401(k) plan management and optimization for individual participants.
• Medicare Enrollment Assistance Assistance with understanding, comparing, and selecting Medicare plans to fit individual coverage needs for Colorado residents.
• Life Insurance and Annuities Review of life insurance options and annuity products to find appropriate coverage and benefits based on policy terms and individual eligibility; products fulfilled by FUEL Financial Inc.
• Social Security Maximization Planning strategies to help maximize Social Security benefits based on age, earnings history, and filing strategy for individual clients.
• Retirement Tax Strategies Tax planning approaches to optimize retirement savings and reduce tax burden during retirement for individual clients.
• Financial Planning for Women Specialized financial planning services addressing the unique financial circumstances and goals of women in Colorado, including retirement planning and financial independence.

Named customers3 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

Feature3 records

Partnerships

One partnership is on record.

• Royal Fund Management, LLCcoreTechnology or IntegrationRoyal Fund Management, LLC is a SEC registered investment adviser through which Jo-Ann Holst and Colette Snyder provide advisory services. JH Advisers operates as an Investment Adviser Representative of Royal Fund Management, which provides the regulatory registration and infrastructure for their advisory services.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Emerging players

• Ellevest: Women-focused financial planning and investment platform. Directly comparable to JH Advisers' 'Financial Planning for Women' service line and overall mission, though Ellevest operates as a national digital platform rather than a local Colorado advisory.
• Facet Wealth: Digital-first fiduciary RIA serving individuals and households with flat-fee financial planning and investment advice. Highly comparable to JH Advisers in target market (retail/mass-affluent individuals) and fiduciary positioning, but competes via a technology-led model rather than the local in-person approach.

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering financial planning, investment management, and 401(k) advice to individuals. Overlaps significantly with JH Advisers' 401(k) and retirement planning offerings, but at much greater scale and with proprietary planning tools.
• Personal Capital (Empower Personal Dashboard): Hybrid digital-human wealth management service combining account aggregation, retirement planning, and investment advice. Competes directly with JH Advisers' account aggregation and retirement planning offerings, but at scale and via a primarily digital experience.
• Fisher Investments: Large independent RIA managing portfolios for individual and institutional investors. Comparable in providing personalized investment management and retirement-focused strategies, though serving much higher-net-worth clients nationally.
• Carson Wealth: National RIA offering comprehensive financial planning, investment management, and retirement services through a network of advisors. Comparable service mix and fiduciary model, but with significant scale advantages and integrated technology versus a small two-adviser firm.
• Creative Planning: Large independent RIA offering comprehensive financial planning, investment management, retirement, and tax services nationally. Comparable service breadth and fiduciary positioning, but at a vastly larger scale and with a multi-adviser team versus JH Advisers' two-person shop.

Others

• LPL Financial: Largest independent broker-dealer and RIA platform in the U.S., providing custody, compliance, and technology infrastructure to thousands of independent advisors. Comparable in providing the back-office infrastructure JH Advisers receives from Royal Fund Management and Schwab, but at vastly larger scale.
• Commonwealth Financial Network: Independent broker-dealer and RIA platform supporting independent financial advisors with compliance, technology, and practice management. Comparable role to Royal Fund Management as a partner infrastructure provider for small advisory practices.

Direct peers

• Buckingham Strategic Wealth: Independent, fee-only RIA providing comprehensive financial planning, investment management, and retirement advice to individuals. Highly aligned with JH Advisers' fiduciary, planning-first model for retail clients, though Buckingham operates at a larger scale and through multiple offices.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@jhadvisers7082
• TikToktiktok.com/@jh_advisers

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Joann Holst Advisers, Inc