mammoth rock investments

What mammoth rock investments does

Mammoth Rock Investments is a private wealth management and financial advisory firm headquartered in El Paso, Texas, operating as a subsidiary of Raiz Federal Credit Union (a credit union with roots dating to 1936 as El Paso Area Teachers Federal Credit Union). The firm delivers comprehensive wealth management, financial planning, retirement planning, estate planning, asset allocation, mutual funds, ETFs, annuities, alternative investments, equity trading, and fixed income products through a tiered service platform. Its technology backbone is LPL Financial's broker-dealer platform, including the algorithm-based Guided Wealth Portfolios product powered by FutureAdvisor technology for lower-minimum digital advisory, and the Personal Wealth Portfolios offering for higher-net-worth clients. The firm employs three licensed financial advisors and operates bilingually in English and Spanish.

The firm generates revenue through AUM-based advisory fees, commissions, and referral/insurance fees processed through the LPL Financial broker-dealer platform. Pricing is structured as five service tiers differentiated by minimum investment thresholds from $5,000 (Guided Wealth Portfolios, digital/algorithmic) to $250,000 (Personal Wealth Portfolios, customized). Distribution combines scheduled one-on-one advisor meetings, physical access through Raiz Federal Credit Union branches, online and mobile platforms, and community-driven referrals from the credit union's existing member base. Customer segments span individuals and families, retirees, business owners/executives, students/millennials, and the self-employed, reflecting a horizontal segmentation approach targeting everyone from mass-affluent to high-net-worth households in the El Paso/Border region.

Name

mammoth rock investments

Legal name

Mammoth Rock Investments

Website

https://mammothrockinvestments.com

Company type

Private

Founded year

2023

Operating status

Operating

Short description

Mammoth Rock Investments is a private El Paso, Texas wealth management and financial advisory firm, subsidiary of Raiz Federal Credit Union, delivering tiered investment services (from $5K to $250K minimums) through LPL Financial's broker-dealer platform to individuals, families, retirees, business owners, and Spanish-speaking clients in the Border region.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Portfolio Construction & Asset Allocation Advisory (FSAEAAAC)

akta.pro secondary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

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

Headquarters

HQ city

El Paso

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, Infrastructure

Revenue model

1. Securities and advisory fee revenue: Securities and advisory services are offered through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). Mammoth Rock Investments advisors are registered representatives of LPL Financial and earn revenue through advisory fees, commissions, or a combination thereof based on client assets under management and the services rendered.
2. Insurance product referrals: Insurance products are offered through LPL or its licensed affiliates. Mammoth Rock Investments advisors facilitate insurance product referrals as part of holistic financial planning, generating referral fees or commissions.
3. Wealth management fees: Revenue is generated from AUM-based fees charged to clients for portfolio management, financial planning, asset allocation, and related advisory services offered through the LPL Financial platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Mammoth Rock Investments is a wealth management and financial advisory firm delivering personalized portfolio management, retirement planning, estate planning, and asset allocation services. It operates as a registered representative of LPL Financial's broker-dealer platform, offering tiered investment services ranging from algorithm-driven Guided Wealth Portfolios ($5,000 minimum) to Personal Wealth Portfolios ($250,000 minimum), alongside mutual funds, ETFs, annuities, alternative investments, equity trading, and fixed income.

Product overview

Mammoth Rock Investments is a wealth management and financial advisory firm offering a comprehensive suite of investment services through its parent company Mammoth Rock Capital LLC (a subsidiary of Raiz Federal Credit Union). The firm operates a platform-plus-services model centered around LPL Financial's broker-dealer infrastructure. Core service offerings include wealth management, financial planning, asset allocation, estate planning, retirement planning, and custom portfolio construction. The investment product lineup spans mutual funds, ETFs, annuities, alternative investments, equity trading, and fixed income. Service tiers are differentiated by minimum investment thresholds ranging from $5,000 (Guided Wealth Portfolios) to $250,000 (Personal Wealth Portfolios), with intermediate tiers including Model Wealth Portfolios ($10,000), Strategic Asset Management ($25,000), and Manager Select ($50,000). The firm also offers algorithmic investment management through Guided Wealth Portfolios powered by FutureAdvisor technology, and access to over 10 institutional money managers through Optimum Market Portfolios. Services are delivered via online platforms, mobile access, and at physical branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive wealth management services delivered through LPL Financial's broker-dealer platform to help clients pursue financial goals, including personalized portfolio construction across public and private markets.
• Financial Planning Financial planning services including goal setting, budget assessment, retirement planning, and comprehensive financial strategy development for individuals and families.
• Asset Allocation Strategic asset allocation services to optimize portfolio construction across different asset classes based on client risk tolerance and objectives.
• Self-Guided Portfolios Self-directed investment portfolios allowing clients to manage their own asset allocation and investment selections via the LPL Financial platform.
• Estate Planning & Trust Estate planning services including will creation, power of attorney establishment, and trust setup for asset protection and beneficiary transfer.
• Retirement Planning Comprehensive retirement planning services covering savings accumulation, income strategy, Social Security optimization, and post-retirement monitoring for individuals and families.
• Guided Wealth Portfolios (GWP) Algorithm-based investment program sponsored by LPL Financial using FutureAdvisor proprietary automated computer algorithms, accessed through a customized digital portal. Minimum investment $5,000.
• Model Wealth Portfolios Access to institutional money manager models or custom-designed portfolios with outsourced trading execution. Minimum investment $10,000.
• Strategic Asset Management Tailored portfolios wrapping multiple investment types into a single account with strategic allocation. Minimum investment $25,000.
• Manager Select Portfolio service allowing clients to select portfolio managers who handle trading decisions and rebalancing within each asset class. Minimum investment $50,000.
• Personal Wealth Portfolios Access to separately managed accounts, mutual funds, and ETPs in a single customizable account based on risk tolerance. Minimum investment $250,000.
• Optimum Market Portfolios Mutual fund wrap portfolios providing access to more than 10 industry-leading money managers for diversified portfolio management under a single strategy.
• Custom Portfolios Diversified custom portfolios engineered to lower risk by spreading investments across different asset classes at every dollar level.
• Mutual Funds and ETFs Professionally managed mutual funds and exchange-traded funds providing diversification, low cost, and access to experienced investment teams.
• Annuities Time-tested annuity products designed to protect an income stream in retirement and help clients avoid outliving their savings.
• Alternative Investments Investment products historically available only to institutional investors, now accessible to individual investors seeking diversification and risk management.
• Exchange Traded Funds (ETFs) ETFs providing access to every corner of the market with better costs and transparency than traditional investment vehicles.
• Equity Trading Platform capabilities for order entry, order management, security research, and historical trade reviews.
• Fixed Income Fixed-income securities serving as safe-haven investments during uncertainty, reducing portfolio risk and protecting against volatility.

Quantifiable outcome

• Advisors are legally and ethically obligated to act in clients' best interests under a fiduciary standard — going beyond suitability obligations.
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• LPL FinancialcoreTechnology or IntegrationMammoth Rock Investments operates as a registered representative of LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). LPL provides the technology platform, trade execution, custody, and compliance infrastructure for all securities and advisory services offered by Mammoth Rock Investments. The firm's award-winning broker-dealer platform brings investment opportunities to clients, including wealth management, financial planning, and asset allocation services.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Edward Jones: Large advisor-led wealth management franchise built around individual financial advisors serving mass-affluent and HNW clients with personalized portfolios and financial planning. Most directly comparable business model to Mammoth Rock's licensed-advisor, tiered-minimum approach.

Others

• LPL Financial: The broker-dealer and RIA platform Mammoth Rock operates on; LPL provides trade execution, custody, compliance, and the Guided Wealth Portfolios algorithm. Functions as an enabling infrastructure partner rather than a competitor, but represents a critical dependency.

Broad incumbents

• Ameriprise Financial: Large diversified financial services firm offering advisor-led wealth management, financial planning, and a full product shelf (mutual funds, annuities, brokerage). Comparable in delivering personalized advice through a branch/advisor network to individuals across the wealth spectrum.
• Raymond James Financial: Broker-dealer and wealth manager with a large advisor network delivering portfolio management, financial planning, retirement, and estate services to individuals and HNW clients. Comparable advisor-led, multi-tier wealth management model.
• Charles Schwab Wealth Advisory: Schwab's dedicated wealth advisory service combines digital tools with access to dedicated advisors for clients with significant assets. Comparable service-tier structure (with minimums) and overlapping product set including mutual funds, ETFs, and fixed income.
• Merrill Lynch Wealth Management: Bank-affiliated wealth management franchise offering advisor-led portfolio construction, retirement, estate, and alternative investment solutions to mass-affluent through UHNW clients. Overlaps heavily on fiduciary-style advice and product breadth.
• Wells Fargo Advisors: Wirehouse brokerage and wealth management arm of Wells Fargo, where Mammoth Rock advisor Victor De La Rosa II previously worked. Offers advisor-led financial planning, retirement, and portfolio management to mass-affluent and HNW segments.
• Vanguard Personal Advisor Services: Hybrid robo-plus-human advisory service from Vanguard combining algorithm-driven portfolios with access to CFP advisors for goal-based planning. Targets the same mass-affluent client with low fees and significant brand trust, competing with Mammoth Rock's lower-tier offerings.

Emerging players

• Betterment: Leading robo-advisor offering algorithm-driven investment management, retirement, and cash management at low fees with no or low minimums. Direct competitor for Mammoth Rock's Guided Wealth Portfolios ($5,000 minimum) and younger/self-employed segments.

Regional players

• Frost Bank Wealth Management: Texas-based regional bank wealth management division serving affluent and HNW clients across the state with personal trust, investment management, and financial planning. Comparable community-banking heritage and Texas geographic focus to Mammoth Rock's El Paso roots.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mammoth-rock-investments

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 mammoth rock investments