Flora & Dipaula Wealth Partners, Inc.

What Flora & Dipaula Wealth Partners, Inc. does

Flora & DiPaula Wealth Partners is an independent financial advisory firm headquartered at 201 International Circle, Suite 230, Hunt Valley, Maryland, serving retirees, pre-retirees, first responders, women, and Medicare-eligible individuals across the Mid-Atlantic region. Founded by Sarah Flora and Mike DiPaula, the firm delivers a comprehensive retirement and wealth management practice that combines investment advisory services (offered through AE Wealth Management, LLC, a Registered Investment Advisor) with insurance-based strategies including fixed and variable annuities and life insurance. Service lines span retirement income strategies, wealth management, asset preservation, tax-efficient strategies, long-term care planning, IRA/401(k) rollovers, IRA legacy planning, first-responder DROP planning, and women's retirement planning, with estate planning, trusts, probate, charitable giving, and tax services handled via referrals to qualified external professionals. A Medicare planning offering is delivered in partnership with AE Medicare Solutions.

The firm's underlying technology stack is built entirely on third-party SaaS integrations rather than proprietary systems: Riskalyze powers the embedded "Free Portfolio Risk Analysis" lead magnet, Orion Advisor provides the client login portal, and Calendly handles appointment scheduling. The firm has no disclosed APIs, mobile app, or proprietary software assets, and does not publish any AI/ML capabilities, research output, or data assets.

The business model is sales-led and consultative, monetizing through (a) advisory fees on managed client investments via the AEWM partnership and (b) commissions on insurance product sales (annuities, life insurance) under the firm's separate insurance business. The go-to-market approach combines direct phone outreach, website lead magnets (Retirement Planning Kit, First Responder and Women guides), a paid weekly radio show ("SWAT: Retirement Strategy Hour" on WCBM AM 680) for top-of-funnel lead generation, and complimentary no-obligation consultations. The firm does not publicly disclose revenue, AUM, client count, or pricing structures, and has no disclosed funding rounds, M&A activity, or institutional ownership.

Name

Flora & Dipaula Wealth Partners, Inc.

Legal name

Flora & DiPaula Wealth Partners, Inc.

Website

https://fdwpretire.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Flora & DiPaula Wealth Partners is an independent financial advisory firm in Hunt Valley, Maryland, providing retirement planning, wealth management, and insurance products for retirees, pre-retirees, first responders, and women across the Mid-Atlantic region.

Ownership category

akta.pro rank

Product category

Retirement Planning & Wealth Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Specialized/Niche-Vertical RIAs (e.g., Medical, Tech, Executives, Athletes) (FSAAACAL)

Keywords

• Retirement planning services
• Wealth management advisory
• Financial planning advisory
• Insurance product sales
• Annuity and life insurance

Headquarters

HQ city

Hunt Valley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: The firm operates as an Investment Advisory practice offering products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. Revenue is generated through advisory fees associated with managing client investments and retirement portfolios.
2. Insurance Products: Insurance products including fixed annuities, life insurance, and other insurance products are offered through the insurance business of Flora & DiPaula Wealth Partners, Inc. Revenue is generated through insurance product sales and commissions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Flora & DiPaula Wealth Partners is an independent financial advisory practice that designs and delivers personalized retirement planning strategies for individuals, primarily retirees and pre-retirees. The firm sells a suite of advisory services (retirement income, wealth management, asset preservation, tax-efficient strategies, IRA/401(k) rollovers, IRA legacy planning, long-term care planning) and distributes insurance products such as fixed and variable annuities and life insurance. Investment advisory services are offered through AE Wealth Management, LLC (AEWM), while insurance products are offered directly through the firm's insurance business.

Product overview

Flora & DiPaula Wealth Partners operates as an independent financial advisory firm offering a comprehensive suite of retirement planning services. The firm provides core financial products including Retirement Income Strategies, Wealth Management & Investments, Asset Preservation Strategies, Annuities, Life Insurance, Tax-Efficient Strategies, Long-Term Care Strategies, and IRA/401(k) Rollovers. Additional specialized services include Medicare Planning (through AE Medicare Solutions partnership), First Responder/DROP Planning, and Women's Retirement Planning. The firm also offers educational resources including a Retirement Planning Kit and hosts a weekly radio program 'SWAT: Retirement Strategy Hour.' Referral partnerships support Estate Planning, Trusts, Probate, Charitable Giving, and Tax Planning services. The firm is not a technology platform but rather a relationship-based financial advisory practice.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Income Strategies Financial planning service that designs income strategies incorporating insurance and investment vehicles to create long-term growth opportunities and steady income streams throughout retirement, targeted at retirees and pre-retirees.
• Wealth Management & Investments

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• AE Wealth Management, LLC (AEWM)coreStrategic or Co-development PartnerFlora & DiPaula Wealth Partners, Inc. operates as an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. The firm offers investment advisory services through this partnership while AEWM does not offer insurance products. The insurance products offered by Flora & DiPaula Wealth Partners, Inc. are not subject to investment Advisor requirements.
• AE Medicare SolutionsminorStrategic or Co-development PartnerPartnership with AE Medicare Solutions professionals to help clients navigate Medicare decisions. The firm has partnered with these professionals to guide clients through health coverage decisions designed to meet their needs and budget. The partnership allows the firm to refer clients for Medicare Supplement quotes and guidance.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Group: National RIA partnership supporting independent advisory practices with retirement-income specialization and integrated insurance offerings, with similar small-practice economics and retirement focus.
• Buckingham Wealth Partners: Independent RIA focused on evidence-based financial planning and retirement income strategies for individuals, with similar niche emphasis on holistic retirement and decumulation advice.
• Cetera Financial Group: Independent advisor network whose affiliated RIAs deliver retirement, wealth, and insurance planning to individuals via a platform model similar to AEWM, directly comparable in size, structure, and client base.
• Kestra Financial: Independent advisor platform supporting wealth management practices that combine investment advisory, retirement planning, and insurance distribution.
• Cambridge Investment Research: Large hybrid RIA/broker-dealer platform supporting thousands of independent advisor practices offering both investment advisory and insurance solutions, structurally analogous to Flora & DiPaula's relationship with AEWM.
• Sanctuary Wealth: Network of high-net-worth focused independent advisor firms operating under a shared RIA platform, with comparable owner-operator profile and integrated insurance/brokerage capabilities.

Broad incumbents

• Focus Financial Partners: Aggregator and platform for independent RIAs and wealth management firms, relevant both as a competitor for advisor talent and as a potential acquirer/partner for niche firms like Flora & DiPaula.
• Fisher Investments: Large incumbent RIA managing portfolios primarily for retirement-age individual investors through an asset-management fee model; targets the same retiree customer with a broader geographic reach.
• Edelman Financial Engines: National RIA combining workplace retirement plan advisory with personal wealth management, serving a similar retiree/pre-retiree persona at much larger scale.
• Creative Planning: Large nationally diversified RIA providing comprehensive retirement, wealth, tax, and estate planning to high-net-worth and mass-affluent households; competes with Flora & DiPaula for retirement-age clients in Maryland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Flora & Dipaula Wealth Partners, Inc.