What High Point Wealth Management Llc does

High Point Wealth Management, LLC is a privately held, fee-based Registered Investment Advisor (RIA) founded in 2008 by Bradford S. Gruby and headquartered at 34 Ascot Drive, Long Valley, New Jersey. The firm provides two integrated core services to individual investors: financial planning (covering retirement, college funding, savings rate optimization, life insurance assessment, estate planning, and income/expense projections) and investment management. Investment decisions are driven from personalized financial plans rather than product commissions, reflecting the firm's fiduciary, fee-only model.

The firm's technology stack is built entirely on third-party industry-standard platforms: Fidelity Institutional Wealth Services (FIWS) serves as the primary custodian and execution platform for client assets, Black Diamond provides portfolio reporting and performance analytics, eMoney powers financial planning tools, and ByAllAccounts (ByAll) handles account aggregation. No proprietary technology is disclosed, and the firm holds no AI/ML capabilities. The firm is SEC-registered and serves U.S. residents in states where registration is permitted.

The business model is a direct-to-client, consultative sales approach with fee-based recurring revenue (billed annually). Pricing is not publicly disclosed; prospective clients must contact the firm directly via phone or email to arrange consultations. The firm operates with a small team led by founder Bradford S. Gruby and Managing Director of Equity Investments John Stuart, with no disclosed headcount, no external funding, and no parent company. The GTM motion relies on the firm website, SEC Form CRS filing, and direct outreach, with no intermediaries or distribution partners.

Name

High Point Wealth Management Llc

Legal name

High Point Wealth Management, LLC

Website

https://highpointwealth.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

High Point Wealth Management is a fee-based Registered Investment Advisor offering personalized financial planning and investment management services to individual investors, using Fidelity, Black Diamond, eMoney, and ByAllAccounts as its technology stack.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Financial planning services
• Investment advisory services
• Wealth management
• Retirement planning
• Asset allocation

Headquarters

HQ city

Long Valley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Investment Advisory Services: High Point Wealth Management operates as a fee-based Registered Investment Advisor, charging fees for financial planning and investment advisory services rather than earning commissions on trades or investment products. Investment decisions are driven from the client's financial plan, and the firm does not receive commissions for trades or products recommended.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

High Point Wealth Management provides independent, fee-based financial planning and investment advisory services to individual clients and families. The firm develops personalized financial plans covering retirement, college funding, savings rate optimization, income and expense projections, life insurance needs, and estate planning, then implements those plans through diversified investment management using Fidelity Institutional Wealth Services as custodian. Services are delivered under a fiduciary standard without commission-based product recommendations.

Product overview

High Point Wealth Management, LLC operates as a unified financial advisory firm offering two integrated core services: Financial Planning and Investment Management. The financial planning service serves as the foundation, creating personalized plans addressing retirement, college funding, insurance needs, estate planning, and portfolio strategy. Investment Management services then implement these plans through Fidelity Institutional Wealth Services custody, offering diversified access to equities, bonds, ETFs, and mutual funds. The Form CRS provides regulatory disclosure. All services follow a fee-based, fiduciary model without commission-based product recommendations.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Services Comprehensive financial planning services creating personalized plans covering retirement planning, college funding, savings rate optimization, income and expense projections, life insurance needs assessment, estate planning considerations, and portfolio observations with asset allocation recommendations. Targeted at individuals and families seeking to align investments with their financial goals.
• Investment Management Services

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

One partnership is on record.

• Fidelity Institutional Wealth Services (FIWS)coreTechnology or IntegrationFidelity Institutional Wealth Services serves as the primary custodian for client assets. Through FIWS, clients have access to domestic and international equities, corporate, federal and municipal bonds, ETFs, and over 5000 mutual funds. The firm periodically reviews custodial firms to maintain best execution of client transactions.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Betterment: Automated investing platform with optional human advisor tier — competes with High Point for the same planning-conscious mass-affluent segment, leveraging proprietary technology where High Point relies on third-party tools.
• Facet Wealth: Digital-first RIA offering flat-fee financial planning and investment management to mass-affluent clients — overlapping with High Point's persona and value proposition but delivered via a virtual model rather than a single-office relationship model.

Direct peers

• Personal Capital / Empower Personal Dashboard: Hybrid RIA pairing digital planning tools with human advisors for personalized investment advisory — competes with High Point for the same planning-led, mass-affluent household using proprietary planning technology (an area where High Point relies on eMoney and Black Diamond).
• Fisher Investments: Large independent fee-only investment adviser providing portfolio management to individuals and institutions — directly comparable business model and revenue mechanism (asset-based fees) with much greater scale than High Point.
• Edelman Financial Services: Fee-based RIA built around financial planning and asset management for individuals and families — same mission, same fiduciary positioning, and same target market as High Point.
• Carson Group: RIA serving affluent individuals through partner advisors with planning-centric advice and fee-based investment management — directly comparable service model and target client.
• Mariner Wealth Advisors: Fee-based, fiduciary RIA providing holistic financial planning and investment advisory to households — same client segment, same fee model, and same planning-led philosophy as High Point.
• Creative Planning: Large fee-only RIA offering comprehensive financial planning and investment management to individuals and families — a directly comparable model to High Point, though at significantly greater scale and with a national footprint.

Broad incumbents

• Charles Schwab Wealth Advisory: Schwab's fee-based advisory program delivers planning and investment management at scale — directly overlapping with High Point's offering but with national custody infrastructure, brand recognition, and significantly lower price points.
• Vanguard Personal Advisor: Large incumbent offering combined digital and human advice with comprehensive financial planning and ongoing portfolio management — competes with High Point for fee-sensitive mass-affluent clients and benefits from brand and cost advantages High Point cannot match.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/high-point-wealth-management-llc

Compliance1 record

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 High Point Wealth Management Llc